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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to just want her to move to joint account parity, rather than splashing the cash?

35 replies

Minus2seventy3 · 17/04/2015 12:01

Since we moved in together many moons ago, and I "bought into" her house (by paying half the mortgage and then putting in significant monthly overpayments), we've had a joint account. Always been based on what we could afford based on earnings and leaving each of us with comparable disposable income.
When we had our little one and DW went on maternity leave, she obviously pulled right back on j/a contributions, and I upped mine (as it should be).
When DW went back to work part time, the majority of j/a contributions were still from me, as I earned significantly more. All fine and dandy thus-far.
During the early baby and toddler period, as well as the j/a contributions, I also paid for a lot of incidentals sprog needed, and family treats. New car for she, deposit from me and finance through the j/a - didn't mind this at all: happy family equals happy me.
DW then shifted jobs a couple of times, upping her hours and playing the agency game (we're both in a similar field), while I stayed put, in a pretty stagnant post (I, or rather, we, didn't feel me chasing agency bucks was prudent whilst I was still the major earner - preferred security of the post I was /am in).
So we now find ourselves in a position where she earns as much as, if not more than, I, for fewer hours.
Still good - more family money, we're doing okay. Except, my contributions to the j/a are what they were as the main earner - hers up a little, but not to parity (nowhere near).
We've had a few years like this, she's on big money, new car (again), and saving nicely. She did a wonderful thing for a milestone birthday of mine - marvellous, (and not cheap) gesture, and really appreciated. But now I'm not exactly rolling in it - far from it. I still pay for most meals out, because it's a bloke thing to do (which I'm trying to hint need to be a little rarer), and we usually do weekends away as a pair. But recently, when I've suggested we need to cut back (on a couple of nights in a hotel, when it's not that long since our last trip) because I'm feeling a pinch, she's taken to saying, "oh, I'll get it".
She doesn't seem to mind paying big for things on an ad-hoc basis, but I'm tired of it now, I'd much prefer we dialed back my contributions a touch, upped hers accordingly, and then I would feel the bigger, "fun" stuff, is us paying, from the joint account, rather than "ooh, I do nice things for you :-) ". Feels like I'm doing bills and mortgage, and she the good stuff, which means it's less my choice, more hers, IYSWIM?
I know I need to be telling her this, and really don't need advice to do so (it's plain, really!), just needed to type and vent a little.

OP posts:
Minus2seventy3 · 17/04/2015 12:58

Thanks for the responses folks.
To clarify the house, when we renegotiated the mortgage after her fixed term was up, I was put on the deeds then. Since then, we've moved, so no problems there (actual, or anticipated - I hope!).
As far as "family money" goes, we each have our own interests/hobbies that we pay for on our own. House insurance, for example, is joint account, whereas my car insurance (cheap - I'm not a kid anymore!) and car tax (expensive - drive a daft car like a kid may!) is my own account.
Like I said (and others have, also), I know it's DW I need to be speaking to. Just typing stuff out helps me collect my thoughts.
t3 - I think she may be unaware of any disparity, simply because she doesn't make big issues of spending her own money. And it's really not just pride about wanting to feel it's us, not she, getting the nice, treat style things - I'd say resentment is too strong a word, but possibly not by much.

OP posts:
Minus2seventy3 · 17/04/2015 13:00

Second clarification - yes, we are married.

OP posts:
nottheOP · 17/04/2015 13:02

Hi OP, I look after all the finances in our house as DP couldn't really care less Smile

So it's all fair, all salaries are credited to the joint account, all bills are paid, savings are saved and then any leftover is divided up between us. This means that our spendo is without policing from the other and we're free to buy surprise gifts etc if we want to.

Meals out are all joint expenses as are any other gifts for anyone else. This works for us and might for you.

Your current system is unfair.

TheMagnificientFour · 17/04/2015 13:07

Hmm, so you have child together, a house together. But you still act as if you were housesharing in a financial pov (put same amount in the pot and I keep the rest as it is MINE)

Sorry but I would assume that having a child together, you are together for the long run. In that case, there should not be 'his' money and 'her' money but 'our' money.

Review clearly how much you all spend (incl the 'nice things' you buy for yourself with 'your' or 'her' money), how much you both earn, how much you have left for to soend on yourself.
Put that money in the pot and keep a small part for 'extra nice' things or savings you might want to have (or for a surprise gift etc...).
Also agree on how extravagent you are happy your lifestyle to be. Maybe you will need to agree on non essential spending such as weekends away or a brand new car

I'm assuming that you are married there so all your assets (incl her nice car and the house) are equally yours. But clearly you need to have the feeling that you both have the same spending power. Not one struggling and sticking to a budget whilst the other lives a grand life.

If you aren't married, this need to be reviewed even more urgently as you both need to be able to build up your savings if you wish etc... And you need to review the situation with the house etc...

What I would be careful about, regardless of your situation, is not to bring things that have happened years ago (eg I bought you a new car 5 years ago even though she now has a new one etc) and concentrate on having a fairer situation now. (eg if you aren't married and she has much more saving than you, maybe ensuring that you can build up yours now too to an equivalent level).

TheMagnificientFour · 17/04/2015 13:14

Sorry xpost.

That's why having separate accounts is hard. It's very easy for one person to have 'more' tha the other.
And as you don't have the same relationship to money you probably won't be spending it the same way.
Eg you spend a lot of 'your' money on a flash car + insurrance. She doesn't, saves more than you but likes to be able to go away so spends her money there. Because it looks like a 'big' spend, it then gets easy to think she has a lot more etc... and get ressentful. Maybe she is just more frugal than you for example (or maybe she isn't I don't know!).
That's why a full review of where yoou spend yoour money is essential.

MovingOnUpMovingOnOut · 17/04/2015 13:18

I can quite imagine being in the DW's position "forgetting" to take the initiative to start putting the money in regularly, especially if you have had a sporadic income prior to that. My dh and I are in a similar position except that I have only just very recently started earning relatively good money again and it is still very precarious. I do treat money and big/bigger/optional purchases and dh pays the mortgage and bills. I can imagine if our current very fortunate position continued and I earned well dh might start to get a bit resentful like the op.

I can easily imagine that I might not want to change the status quo where I've had the benefit of the decision making power that goes with having the extra disposable income for a while Blush but I absolutely would if dh requested it and I was able to do so. At the moment I have a load of outstanding invoices and not a huge amount of work booked in for the summer so it's unlikely that it will be happening any time soon Hmm

But I also know my dh would pipe up very quickly as would I if the roles were reversed.

prepperpig · 17/04/2015 13:21

This is exactly why we don't have separate pots. My suggestion would e that all money goes into the joint account each month and everything is paid for from that. You then each have a couple of hundred pounds (or whatever is affordable) each month so spend (or save) as you wish. That way everything is completely fair and nobody loses out.

Money was a big issue for us until we just chucked everything in the pot. DH was cautious having been divorced previously. Now I earn three times what DH earns but everything goes into the pot. It is family money.

LotusLight · 17/04/2015 15:52

It as the same with us. No sole accounts at all. Everything 100% shared in one account from which everything is paid (and so many children and childcare costs and mortgages never been in a position for large spare lumps of cash people might spend on cars or hobbies).

(On our divorce he got more than I did but that is a very different issue and does not depend on whose name things are in which is utterly irrelevant under divorce law).

MiddleAgedandConfused · 17/04/2015 16:54

YANBU - that must be quite upsetting.
But be prepared for a rough ride - it may not be an easy conversation.

Stormtreader · 01/05/2015 13:24

Sounds totally reasonable for you to want to even up the ja payments now the salaries have evened up - it must be annoying to have to be "treated" to things that you cant really afford on your own because all of your money has gone on the house insurance, you get to feel like a bit of a charity case when youre not at all.
You should get equal disposable income so that you can be the one treating sometimes.

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