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Husband refuses to get a stable job

131 replies

Losingmymindagain · 15/03/2026 11:59

Have been with my husband for almost 10 years, met working in a creative industry and fell pregnant fairly soon after. I left that industry as it involved lots of travel, retrained and now work full time in a (stressful) clinical NHS role. Husband used to be paid very well - somewhere around 200k a year I’d say (prior to us meeting). This dropped to around 120k by the time Covid hit, still an unbelievable salary, especially compared to mine!

the biggest mystery in our marriage is what he does with his money, he says he just fritters it away somehow. In 2022 he was presented with a huge unpaid tax bill (around 60k) which was spread over many years. I was devastated. We moved into a small flat (have always rented) and he managed to pay it off after a few years. All was well, he was working under PAYE so tax was paid automatically. Last year he decided to move over to freelance again - I felt very nervous about this. His work has dwindled, he is now maybe working 5 jobs a year (each lasting about 2 weeks) so now has a lot of free time. House is constantly a mess, I work four long days/nights a week and am still expected to do 80% of household/mental load tasks. We’ve somehow switched to me paying for absolutely everything as he hasn’t worked for about 3 months now. I was happy to do this to prevent him using money he has saved for tax. I mean all Christmas presents, household bills, food shopping, absolutely everything. Whenever I gently approach him about taking on more of a domestic role at home he uses the depression card and says he is trying his best. I just get flash backs to being freshly postpartum with DC2 in the throes of ppd, managing with severely autistic DC1 and him telling me I needed to do more to keep the house clean.

last night I found out the money saved for tax is all gone. Every last penny. He doesn’t know where it’s gone to, it’s just frittered away. I’m devastated, so essentially another 30k-40k bill that is coming our way. I’ve told him he needs a stable job, a regular job that he can go to everyday the same way I do. He is refusing. I want to ask him to leave 😭 I had dreams of owning a house one day but am now realising that as long as I am with him it will never happen. I have no idea where his money goes, he never goes out so definitely no drugs or prostitutes, the only thing I can think is he is gambling (which he refuses).

I am absolutely devastated and exhausted. And have no idea what to do. I am already paying for everything so nothing will change there. It’s not as if he uses his money to pay for luxuries, our lifestyle is moderate, kids never go without but I can’t remember the last time I had a new pair of shoes or a haircut!

OP posts:
Slobberchops1 · 15/03/2026 12:03

Time to get yourself a stable husband. He’s got to go . He’s knows you will pick up the pieces yet again

SunshineAndSandalsMakeMeHappy · 15/03/2026 12:09

You’re never going to get anywhere in life with a financially irresponsible lazy article like him. Leave and make a life for yourself. Sorry I couldn’t have forgiven his clear lack of financial anwreness and “frittering” away a minimum of £60k. I’d be demanding to know where the money went and certainly wouldn’t put up with his lame excuses, he wouldn’t get a penny more from me. Harsh as this sounds his bags would be packed and he’d be leaving whether he wanted to or not.

Pearlstillsinging · 15/03/2026 12:17

Unless you are going to throw him out to fend for himself, I think you need to stop approaching this "gently".
Instead be very firm, on days he isn't working you expect to come home to a tidy house and a meal on the table, at the very least. He should be doing his own laundry, if not yours, too.
I wouldn't want him to take responsibility for any financial matters, so I'm afraid that most of the mental load will still have to fall to you.
You might prefer to move forwards on your own.

winterwarmer8274 · 15/03/2026 12:32

OP people like this never change.

I was unfortunately tied to one, same story with the tax even. Massive tax bill he couldn’t pay, never ending fines. And he still managed to spent every single penny he earned each month on I don’t even know what (although he did go out so I know a decent amount was thrown away on alcohol).

I bailed him out on more than one occasion, always promises to pay me back. Of course I never saw a penny.

I would be in a MUCH better position financially if I didn’t have him leeching off me for years.

Leave him, there is no other option especially with kids. You need someone financially stable.

Chatsbots · 15/03/2026 12:37

There must be something to show for the cash?

A paper trail. Stop all this gentle nonsense. Get sight of his accounts and do a spreadsheet. Full financial disclosure or fuck off.

Unless he has a golden dick or is the most amazing childcare, there is no point in supporting him.

winterwarmer8274 · 15/03/2026 12:37

I would also be asking to see him bank statements, then you will get an answer on where the money is going

persephonia · 15/03/2026 12:42

I'd be worried he was gambling or has some other issues. Even if it is just "frittering the money away" at that level that's addictive behaviour even if it's just a shopping addiction. I could (and have) live with someone on a low income. I'm not particularly materialistic and have modest needs for myself. I'm not a gold digger. But I would never want to be tied financially or legally to someone with a gambling or spending problem as they will drag everyone else down with them. As long as you are married to him you can see your own credit affected, you could be held liable for his debts or have to prove they aren't yours, you can see your own savings and future security destroyed.

I will also add that not everyone with financial issues/addictions is a bad person. But even if they aren't you still have to cut the rope. At a certain stage you can't help them so it's a choice between watching them destroy their own futures or watching them destroy their, yours and your children's futures in one go. However in your husband's case the clear double standards (not supporting you when you were the lower earner but expecting you to pay for everything when he isn't working; not supporting you when you had PND; leaving you presumably exhausted keeping on top of everything now) all suggest he isn't a very nice person either.

decorationday · 15/03/2026 12:45

I know this is easier for me to say than for you to action, but I would divorce someone who kept doing that to me. It's financially abusive.

Deerinflashlights · 15/03/2026 12:48

SunshineAndSandalsMakeMeHappy · 15/03/2026 12:09

You’re never going to get anywhere in life with a financially irresponsible lazy article like him. Leave and make a life for yourself. Sorry I couldn’t have forgiven his clear lack of financial anwreness and “frittering” away a minimum of £60k. I’d be demanding to know where the money went and certainly wouldn’t put up with his lame excuses, he wouldn’t get a penny more from me. Harsh as this sounds his bags would be packed and he’d be leaving whether he wanted to or not.

@Losingmymindagain this really says it plainly. He has let you and your children down to such an extent.

Dumplinghead · 15/03/2026 12:58

I have been in a very similar situation with my ex. Almost down to the roles! One lie after another and a refusal to get regular employment. Stopped us from being able to buy our own house and I never knew when the next surprise would hit me. Complete financial abuse, down to a ccj in my name which I had no knowledge of and his company being struck off which I found online. Leave him now, I gave mine the benefit of the doubt too many times but left three years ago and although a struggle initially, was the best thing I have ever done. Good luck

Crinkle77 · 15/03/2026 14:30

Yep agree with others, got to be gambling or something going on.

Ffion56 · 15/03/2026 14:57

If his tax bill is 30-40k he has a good income. He needs an accountant.

Ginmonkeyagain · 15/03/2026 15:02

He works in the creatove industries - not wanting to be a cliche, but are you sure it hasn't all disappeared his nose?

whistlesandbells · 15/03/2026 15:07

I divorced a rotten financial abuser like this. Refused to work full time in a stable job, liked to work for himself and lurch from crisis to crisis. Just one point, when you divorce, the gloves are off. They have absolutely no reason left to be decent. Plan for the worst and go it alone.

thestudio · 15/03/2026 15:07

It’s not that he’s irresponsible- that’s letting him off the hook. he’s pathologically, stratospherically selfish.

ALL that huge amount of money has been spent on himself.

effectively, he’s been stealing from you for years. Because he knows that, unlike him, the lazy dishonest thieving cunt, you won’t let the kids go without. He’s a terrible father and a terrible man.

Meteorite87 · 15/03/2026 15:09

winterwarmer8274 · 15/03/2026 12:37

I would also be asking to see him bank statements, then you will get an answer on where the money is going

Request to see a full copy of his credit report too, in case he has "hidden" debts not mentioned to you @Losingmymindagain

Fluffyholeysocks · 15/03/2026 15:11

What is he doing about his 'depression' ? Anything constructive? Is it getting better?
How is he 'doing his best' ? Is he out there daily looking for work or do you think he's settled and happy to work 10 weeks a year with you supporting the family?

EmeraldDreams73 · 15/03/2026 15:15

Bloody hell. Depression or not, this is unsustainable for you, OP. He is letting you all down hugely. You're already doing everything yourself, I'd be seriously considering untethering myself and my/dcs security from this man.

krustykittens · 15/03/2026 15:17

Why are you with this man, OP? He marries you and fathers children on you but does nothing beyond being a sperm donor. You do EVERYTHING, while he indulges himself. You are paying to have a male present in your life and no more. A cardboard cut out would do the same as him and be a lot cheaper. he' not going to change and he will drag you down - get rid. You will be better off without him.

PrincessofWells · 15/03/2026 15:21

You're being taken for a ride. Get rid of him he's dead weight.

Pleasealexa · 15/03/2026 16:05

It's called financial infidelity. Same as if it was a physical affair. To recover you need him to be completely honest, transparent and accept you will need to monitor him

However if he's over 30, I doubt he will change. Sometimes you have to cut loose the person who is dragging you down.

Theyreeatingthedogs · 15/03/2026 16:13

Losingmymindagain · 15/03/2026 11:59

Have been with my husband for almost 10 years, met working in a creative industry and fell pregnant fairly soon after. I left that industry as it involved lots of travel, retrained and now work full time in a (stressful) clinical NHS role. Husband used to be paid very well - somewhere around 200k a year I’d say (prior to us meeting). This dropped to around 120k by the time Covid hit, still an unbelievable salary, especially compared to mine!

the biggest mystery in our marriage is what he does with his money, he says he just fritters it away somehow. In 2022 he was presented with a huge unpaid tax bill (around 60k) which was spread over many years. I was devastated. We moved into a small flat (have always rented) and he managed to pay it off after a few years. All was well, he was working under PAYE so tax was paid automatically. Last year he decided to move over to freelance again - I felt very nervous about this. His work has dwindled, he is now maybe working 5 jobs a year (each lasting about 2 weeks) so now has a lot of free time. House is constantly a mess, I work four long days/nights a week and am still expected to do 80% of household/mental load tasks. We’ve somehow switched to me paying for absolutely everything as he hasn’t worked for about 3 months now. I was happy to do this to prevent him using money he has saved for tax. I mean all Christmas presents, household bills, food shopping, absolutely everything. Whenever I gently approach him about taking on more of a domestic role at home he uses the depression card and says he is trying his best. I just get flash backs to being freshly postpartum with DC2 in the throes of ppd, managing with severely autistic DC1 and him telling me I needed to do more to keep the house clean.

last night I found out the money saved for tax is all gone. Every last penny. He doesn’t know where it’s gone to, it’s just frittered away. I’m devastated, so essentially another 30k-40k bill that is coming our way. I’ve told him he needs a stable job, a regular job that he can go to everyday the same way I do. He is refusing. I want to ask him to leave 😭 I had dreams of owning a house one day but am now realising that as long as I am with him it will never happen. I have no idea where his money goes, he never goes out so definitely no drugs or prostitutes, the only thing I can think is he is gambling (which he refuses).

I am absolutely devastated and exhausted. And have no idea what to do. I am already paying for everything so nothing will change there. It’s not as if he uses his money to pay for luxuries, our lifestyle is moderate, kids never go without but I can’t remember the last time I had a new pair of shoes or a haircut!

The tax bill isn't coming YOUR way, it is going to him. Refuse to get involved with it in any way. You have no house together so very little joint assets if any. He can sort out his tax bill.

Talkingtomyhouseplants · 15/03/2026 16:33

How can a person be earning £200k a year and never have bought a home? This will never change OP, he is clearly extremely irresponsible. Are you sure he’s not got a gambling addiction or drugs or something?

Janeaway · 15/03/2026 16:38

Gambling/drugs/onlyfans. You did not cause it, you cannot cure it.

You need to split up and divorce.

He will drag you and the children down with him.

Divorce.

marcyhermit · 15/03/2026 16:40

Divorce him.

All he brings you is debt, mess and stress.

He's a millstone round your neck at the moment and will drag you down with him.

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