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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Husband and I constantly argue about money and have totally different views. I can't work out who is being unreasonable?

246 replies

cleoteacher · 05/11/2015 22:40

We have totally different attitudes to money. I don't know how to solve it and we have had another blazing row. I just don't know who is right or wrong anymore.

Basically he had a text from his mate to go out for drinks. He wanted to go but I reminded him he is low in his account. This leads to him ranting at me that it's my fault he can't go and I am dictating how he's spending his money and he earns x amount and only gets x amount of this. He's very mine, mine, mine in my opinion.

He then argues it's my fault because I got him a pair of trousers out of his account, which were less than half price. He argues these should have come out of the joint account and he didn't want me to get them for him. However , I thought I was doing something nice as the previous night he came home complaining that he urgently needed new trousers for work. I asked him twice before I brought them online if he wanted them and he said he did but is now saying he didn't want to upset me by saying no.

He then argued he should get it out the joint account as I had. £150 recently from a £450 tax rebate into my own account and the rest into savings and he had paid £1,000 bonus into the savings account recently out of a £2,000 bonus. The other £1,000 went towards the deposit on a car I didn't want.

He says I micro manage his money and constantly blames me for the fact he can't have nights out or new clothes. But he gets a set amount of money every month and chooses to spend it on other stuff so doesn't have the money for these things. He wants to get overdrawn to buy these things but I don't want to get overdrawn after spending years in our overdrafts and have worked bloody hard to get out of it. I know he's only talking about £10 or so snd he says he would make it up the following month but I feel like he wouldn't, he's very reckless with money. Plus I get half the amount he gets and I manage to buy clothes etc with that money without going overdrawn so feel while I work really hard to manage my money so should he. He's not willing to sacrifice one thing for something else like I am.

I want to save and feel we should underspend in our own accounts and use this to put into extra savings which he doesn't want to do as he doesn't care about any of the things I want to save for. Yet he wants a weeks holiday abroad next year and likes a warm house now we have a new boiler, all of which we only have due to my careful management of money.

So I get his point about being too controlling with the money but I feel I have to be of we would never have the savings. I don't dictate what he spends his money on I just ask him to stick to a certain amount which he says he can't do and should have more as he earns x amount plans only sees a small amount of that money.

I try to be a nice person about it and have got him a new paid of shoes as an early birthday present recently even though I had earmarked that money for some shoes myself. I just can't see who's right it wrong anymore.

Please be nice.

OP posts:
JugglingFromHereToThere · 06/11/2015 08:10

I think between you you probably could have found a tenner for him to go to the pub as it was important to him. Maybe modify your approach very slightly to consider his approach slightly, and to keep the peace a bit more. That's worth working towards too Smile

RhodaBull · 06/11/2015 08:13

I don't think you were trying to be nice buying him clothes and shoes.

I'm saying that because I have bought dh clothes, and when I do to be honest it's because I will look carefully and buy something in the sale/reduced/via Quidco, and he will waltz into the nearest shop and buy something full price. So I think you were doing the same, and thinking that you could save money by taking control of this area.

I understand what it's like to have a spendthrift partner. It drives you to the other extreme of penny pinching and trying to restore the balance. However, stopping someone going to the pub and living a joyless existence is not the way to go. I agree with others that if you treat someone like a bad child, they will behave like a bad child.

I have a friend who set her dh a budget of £10 a week spending money becaue she thought he was wasting money. £10!! They divorced.

BathtimeFunkster · 06/11/2015 08:14

I wish I was amazed that people are calling you controlling for trying to stop yourself being exploited by a greedy man who thinks he is more important than you and thus deserves more.

Only an absolute baby would think it reasonable to go into their overdraft so they could go for a pint. How ridiculous.

It sounds like you are just about keeping your heads above water financially, so to have one adult try to take more and more of the shared pit for himself is going to out the family in financial trouble.

I think he sounds like a complete wanker to be blaming you because of things you can't afford.

Obs2015 · 06/11/2015 08:15

Lots of posters have said you sound very controlling about money, but you haven't actually acknowledged this.

Maybe is he resentful. You are on maternity leave, contributing little, he puts in his bonus, gets given trousers and shoes he doesnt really want and gets told he can't go for a pint.
Think I'd be a bit hacked off as well.

Nottodaythankyouorever · 06/11/2015 08:17

Yeah this sounds controlling. Essentially he bought himself a birthday present? From his own money?

I was thinking this too.

You say you don't want things like clothes bought from joint money so he has bought his own birthday present. Not exactly fair us it?

Sorry but you do sound controlling.

BathtimeFunkster · 06/11/2015 08:17

You are on maternity leave, contributing little

Shock

Yes, the fucking cheek of you taking time off work to look after your baby.

You'll probably be treating yourself to luxuries like tampons next.

Why can't you just accept that he's more important than you and the family exists to make him happy at your expense?

BathtimeFunkster · 06/11/2015 08:19

He openly wants more money than her.

How the fuck is she controlling to try to stop him exploiting her (and taking money from their children)?

Bubblesinthesummer · 06/11/2015 08:19

I understand what it's like to have a spendthrift partner. It drives you to the other extreme of penny pinching and trying to restore the balance.

So do I it isn't fun in the slightest.

bleedingheart · 06/11/2015 08:20

You beat me to it Bathtime! Grin

He sounds like a prince amongst men! Resenting money going to the family and diminishing her role.

OP sounds like she is worried about going £800-1000 overdrawn again because of his entitlement, her worries are based on experience. I'd be screwed if I went overdrawn like that. She's married to him so it is her problem too.

Shutthatdoor · 06/11/2015 08:21

He openly wants more money than her

Fuel money, so getting to and from work. Clothes (suits) all come under 'fun money' according to the OP so he may need more as these are expenses the OP doesn't have.

cleoteacher · 06/11/2015 08:22

Don't mind me- I agree with some of your points but I think financial abuse is going a bit far! He does prioritise himself yes, it's another problem but I can t see how he will ever change, he won't.

The car finances comes out the joint account but petrol out his own. We did need a new car just not a brand new one. I think it was his way of rebelling as he was like I wanted to make a financial decision as you make them all.

Even today he is arguing that he should have clothes out the joint account and that if I wanted something he would say yes. Trouble is I wouldn't ask for things as would use own money. One part of the argument sorted but still arguing another area.

OP posts:
JimineyJelickers · 06/11/2015 08:23

I think within a couple of months he will be overdrawn though and never have any extra money to add to savings, whereas I have some frequently. This will be hard for me not to get annoyed about but I will try

So if you have extra money put it into a savings account in your own name. You don't have to put it into joint savings and then resent him for not contributing too.

Funinthesun15 · 06/11/2015 08:24

I have to say you do seem to say I want a lot in your posts.

pinkdelight · 06/11/2015 08:25

I think it's tricky to talk about him going overdrawn when under your system a chunk of his money is going into savings each month. I'd be pissed off too if I was him, earning £1000s yet only having £400 or so a month to play with. I'd want less money going into savings and enough to go out with my friends without going overdrawn.

TheDowagerCuntess · 06/11/2015 08:25

The entire situation sounds pretty hellish.

Him spending willy nilly would drive me bonkers. But being bought a pair of work trews as a birthday present when it wasn't even my birthday, would depress the hell out of me.

This is what I mean about insurmountable incompatibility.

Shutthatdoor · 06/11/2015 08:26

I think it was his way of rebelling as he was like I wanted to make a financial decision as you make them all

Sorry but if you are making all the decisions and not discussing or agreeing together then I kind of don't blame him.

I agree with pp in that there is a lot of 'I want' and not we have decided.

aprilanne · 06/11/2015 08:27

op why dont you give him say £250 a month for himself for whatever junk he wants and buy the clothes and stuff from the joint account .this lets him have money for whatever and you can keep up with the essentials .i have always bought hubbys clothes right down to pants /socks not because i like to boss him but because the lazy sod would be going around in 20 year old t shirts if i let him i kid you not

Nottodaythankyouorever · 06/11/2015 08:29

It sounds like you are just about keeping your heads above water financially

You may think that, but if you actually read the OPs posts she says that have a reasonable amount of disposable income.

FunkyPeacock · 06/11/2015 08:30

It sounds like you are financially incompatible rather than one of you bring right and one of you being wrong

I couldn't stand to be married to someone who I couldn't trust to run their own finances without me having to point out that they can't afford something they are planning to buy - but nor could I stand to be married to some one who monitors my own personal bank account and tells me I afford to spend a tenner meeting friends for a drink!

caravanista13 · 06/11/2015 08:32

I haven't read every post, so someone may have already suggested this, but you are a family and I think it really helps to think of your joint earnings as family money. Put it all into a joint account to start with, then agree how much you need for bills etc, how much to set aside for saving and how much to allocate to your own personal accounts for spending as you choose.

RhodaBull · 06/11/2015 08:39

Saving thousands of pounds and no money for a beer?

OP and dh are clearly worlds apart on spending. A spender and a saver in a marriage is bound to cause strife (I know). But a beer is not gambling, or fast cars, or designer clothes or even propping up the bar every night of the week.

Chewbecca · 06/11/2015 08:41

I'm on the careful side generally over money but I couldn't accept being told I couldn't afford a few beers whilst putting several hundred pounds into a savings account in the same month. (That I didn't even feel I especially needed to)

It is not the case that going out would leave you in debt, it is that you wouldn't be able to save as much as you want to

I think you're trying to save more than you should/need to, especially given you're on mat leave right now.

BasinHaircut · 06/11/2015 08:42

I haven't got all the at to the end of the thread but:

  • how on earth do you know what he has in his 'fun money' account? Why are you looking? If it's his money it's none of your business. I understand your concern about him going overdrawn as that would affect you both if it got out of hand but if you don't trust him then you have bigger problems than money.
  • DH and I have a similar set up (he earns more but we get equal fun money) and we do exactly what we want with that money. We do both save from it but we save for ourselves not put the extra in the joint savings, that's just daft to expect that.
  • if DH told me he earns more so he should get more he would get shown the door quite frankly.
BrendaFlange · 06/11/2015 09:00

"He said he wanted new trousers for his suit and I knew he would never get round to it. I saw them in the sale and so thought I would snap them up. Plus we have a wedding on Friday and I wanted them to arrive before that. Nothing controlling at all."

Everything controlling about this! or at the very least, suffocating.

Leave him to sink or swim , to take responsibility for his own trousers and shoes.

Pro rata to your salaries agree an amount for joint household and family stuff - which should NOT include adult personal clothing, agree a savings amount, also pro rata, and then look after your own 'disposable'.

And don't spend money from his account, look at his account or tell him he can't go for a few drinks.

TendonQueen · 06/11/2015 09:08

Agree with Bathtime that OP is getting it in the neck for being 'controlling' when her husband is behaving like a child and willing to financially damage his family for the sake of a drink out with his mate. And everyone who's said 'give him X amount fun money that he can spend how he wants' - they do this! The problem is that he's spent it all and now wants more.

That said, I agree with pp that buying the trousers was a way to get things less expensively than he would, but also that it's a depressing birthday present. I can't see a good way out of this. Full on financial and marriage counselling, perhaps.