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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to divorce my husband over £3

132 replies

mrspepperspot · 13/12/2011 11:19

This is the final straw. Background:

DH earns decent wage - way above national average. I'm on unpaid maternity leave. We agreed DH would support us until I go back to work - I plan to go back in the next 12 months. He pays mortgage and most bills. He has always had a lot of debt - overdraft, loans and credit card bills. I didn't realise until after I married him the impact all this accrued debt would have on our relationship.

I have always paid half the bills until recently when I took unpaid maternity leave with second dc. So when dd was born I went back to 4 days a week when she was 4 months old and continued to pay half of the mortgage, nursery bills (even though I was earning less due to going part-time and he was working fulltime still).

In order for him to support us while I'm not earning I paid off a chunk of his debts with my saving. My theory was that with no overdraft and one of his credit card bills gone he would easily be able to pay the mortgage and bills. I have been using child benefit (we don't get any other benefits like child tax credit) to help pay for food and clothes for the dc.

DH recently admitted that despite me paying off his overdraft he is now over £1000 overdrawn and is struggling financially. I went through his bank account and together we worked out how to reduce our outgoings. Eg he was paying over £100 a month to 'buy' extra annual leave at work which I made him cancel - he'll have to get buy on the 25 days he currently gets like everyone else.

Anyway final straw came today. Every week my parents give dd £3 a week pocket money. We don't give her any pocket money so I really appreciate my parents doing this. I put the pocket money on the kitchen shelf last night with a reminder to myself to make dd put it in her money box.

This morning the money has gone. DH has taken it. This is not the first time. Last week he 'borrowed' money from her money box to buy a chinese and didn't give it back despite me nagging him. His mum sent the dc's a cheque for £20 for christmas which he paid into his bank account. I suggested he buy the dcs a christmas present with the money but I know the dcs will never see it, DH will keep it.

I can't go on like this. In other ways DH is a good man - works hard, is a good husband and father but the way he manages money is appalling. I can't respect a man that happily takes his daughters pocket money without a second thought. I am now thinking about going back to work fulltime and divorcing him.

OP posts:
Seabright · 13/12/2011 17:32

Debts are only the responsibility of the person whose name they are in and any named guarantors. I'm a former litigator; if you didn't sign the documents, you are not liable.

susiedaisy · 13/12/2011 17:33

op i can relate to you, my exh was always spending more than we earnt and would steal the kids pocket money/ birthday money etc then get arsey if i mentioned it, but the kids have never forgotten and he never paid any of it back, once the respect and trust has gone its nigh on impossible to get it back and even if you do it takes along time, only you know if you can tolerate this forever, some people are just shit with money and thats that you can never change them as they are quite happy to spend spend spend! i dont have any brilliant words of wisdom im afraid as i could not get my exh to realise how damaging it can be to a relationship, my ex will never have any money as it burns a hole in his pocket as soon as he gets it, but according to him its all my fault now because he has to pay CM!! hope you can get it sorted op!Xmas Sad

susiedaisy · 13/12/2011 17:35

but hugo it sounds like the op has tried to work as a team and support him in the past and let alot of things ride but shes had a gut full now! imo

Takeresponsibility · 13/12/2011 17:38

Although the debt is the legal responsibility of the debtor only when it comes to divorce all of the assets of the family are offset against all of the debts of the family and what is left is divided accordingly.

To prove the debts are his and not family ones you would have to either have had a very short marriage to discount pre marital debt or be able to prove that what he spent the money on has not benefited the family (e.g. if he has refinanced since marriage and some of the refinancing went on debt repayment and some on a family car, TV or something you all use than this would now be marital debt).

It may not be fair but then not much in divorce is.

carernotasaint · 13/12/2011 17:46

Can i just point something out. Its all very well telling the OP to take charge of the finances and give her DH "pocket money" so to speak but how is he going to grow up and learn and here is the big million dollar question. If he cant learn to manage finances then WHAT THE FUCK HAPPENS IF GOD FORBID THE OP IN THIS SITUATION BECOMES SERIOUSLY ILL OR GOD FORBID SOMETHING HAPPENS TO THEM.How would the irresponsible one in the partnership cope then? Im pretty shocked and appalled that this thread is six pages in and no one has yet thought of this, as well as being appalled by the OPs DHs irresponsible behaviour!

girlynut · 13/12/2011 18:16

If he defaults on those debts, they come after him for payment as it's only his name on the accounts.

BUT... if you get divorced...guess what? They'll take all your combined assets and your combined debts(meaning his and yours) and split what's left.

So don't think that his debts won't affect you. They will.

MardyArsedMidlander · 13/12/2011 18:51

It's all very well telling the Op that 'they're in it together' and should be sharing finances- you have obviously never got to the till and then found out that your other half has taken the money from your purse. Or gone to the cashpoint and found out that all the money has gone because he knew your card number.
It causes huge anxiety and stress- and the other person keeps telling you that it will work out 'somehow' or they borrow more money and you end up as the short tempered nag continually going on about paying the bills and having enough money to live on.
As was said upthread- it's like living with an alcoholic...

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