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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Family finances - am I BU or is DH?

216 replies

Hooli · 30/06/2018 07:29

Without outing myself too much, my stepdad has recently passed away. My mum was a full time carer for him and has been for over 10 years (dementia and Alzheimer's). She's now past the age of really being able to get another job (67).

She's lived in a council house all her life but will now need to move as she can't afford the bedroom tax. She was exempt from this before as it was deemed she needed an extra room for his equipment and his PA when he (occasionally) stayed over.

There are no one bed flats available for her to move in to.

My older sister and I had agreed between us, years ago, that when this happened, we would rent her a flat privately and pay for this ourselves at a cost of around £200 each a month (Mum lives in a very cheap part of the UK)

DH has always known this was our intention. His family are very well off so he'd never have to financially support them in old age, but my Mum sacrificed a huge amount and had to survive on minimum wage jobs so me and my sister see it as our absolute duty and responsibility to repay that sacrifice now and we're more than happy to.

Family finances go like this - me and DH both put all our salaries in the joint account but keep £200 a month back each for personal spends. We also put £1k a month into the savings. I've proposed to drop my personal spends to £100 and take £100 from the savings, putting £900 a month in instead.

DH is now disagreeing and thinks I should fund the private rent from my own spends and therefore have no money for myself. For the record, this goes on coffees, magazines, haircuts, meals with friends and toward gifts for him and the kids.

Who is being U here?

OP posts:
UnderBlue · 30/06/2018 07:58

OP I would encourage her to stay where she is and you pay her bedroom tax. She might need those extra fittings. Also does she have a bit of a social circle near her? Uprooting her at this age may not be the best idea? Also she may need that extra bedroom if she gets ill or unwell?

Clairetree1 · 30/06/2018 08:00

It would be a crazy t hing to do on your part, it doesn't matter that you say its only £200 now, you have no idea what it will be in 1 year, or 5 years - an unlimited amount!

She needs to stay where she is and wait to be rehoused, help her out with the bedroom tax.

Loopytiles · 30/06/2018 08:01

I don’t think private renting is necessarily a good solution (insecure, costly, deposits and fees required every time she moves). It would be better IMO for your mum to wait for a smaller council tenancy to come up, or seek a swap, or if those were not possible to remain in her current property (secure, affordable with her DCs’ help) even though this isn’t her preference.

I don’t think it’s necessarily U of your H to object to taking on a financial commitment of potentially over 20 years. There could potentially be care costs in the future too. Much depends on your “nuclear” family’s circumstances.

But it’d be very mean indeed for you to have no money to spend on yourself!

LunaTrap · 30/06/2018 08:03

I'd also add that your mother seems to want to be generous to strangers by giving up her home for them, and the expense of the finances of her own children and their households. The whole idea is crackers. Paying for a cleaner to help her manage would be cheaper.

gamerchick · 30/06/2018 08:05

Your Mum is exempt from the bedroom tax because of her age

That's what I thought and I definitely agree to sitting tight until a property comes up.

Whether your bloke is being a cock or not is neither here nor there. Your plan is mad! You have no idea what can happen to either yours or your siblings financial future and this might not be sustainable long term. Concentrate on finding a smaller council property and don't assume she's going to have to fork out for things.

ThumbWitchesAbroad · 30/06/2018 08:05

HIBU and a cunt.

gamerchick · 30/06/2018 08:06

Paying for a cleaner to help her manage would be cheaper

This makes the most sense ^^

BoxsetsAndPopcorn · 30/06/2018 08:08

I get where your DH is coming from too. You and your sister might have agreed on this but you're expecting him to assist with this by having less in the joint savings and for what could be a long period of years.

I'm not sure why you feel that because she didn't have a career it means you now have to pay her rent as she wants to move. Surely she can just find a place of her own within her means. Plenty of other pensioners live alone and manage. You could always continue to give her the top up from your own personal spends.

It's not wise of her to rely on others, you could lose your job or get divorced and not then be able to afford her rent.

fuzzyduck1 · 30/06/2018 08:08

Can’t she get a swap with the council? I’m sure there’s a family in a council falt that would love a house

HaudYerWheeshtBawbag · 30/06/2018 08:08

Even if she weren’t exempt from bedroom tax, (which she is) what is the £400 pm going towards? As she would qualify for full housing benefit at her age and also with no income.

I’m very confused OP.

lifeisabeachsometimes · 30/06/2018 08:08

Pay the bedroom tax and keep her where she is.

Dh is U and you need to thrash this out, you are a family unit. All money is shared and not 'his' and he doesn't get to make every financial decision. Some assertive reminding that you are an equal in all ways and that means you deciding how your money is spent as well.

He sounds selfish and self centred.

Pineapple5678 · 30/06/2018 08:08

Wouldn’t it just be cheaper for you to pay the part of the rent not covered by housing benefit ?

Butterfly1066 · 30/06/2018 08:09

Don’t do it
Wait for a place to become available
It’s madness to give up a secure tenancy

FittonTower · 30/06/2018 08:09

As PP have said I'm pretty sure she's exempt from the bedroom tax. And if its an adapted 2 bed then she'd probably find a swap soon enough, someone will be looking for a house that can accomodate a disability. Moving from council accommodation to Private rent is a bigger change than just the price, you also lose the security of being a council tenant too.

gamerchick · 30/06/2018 08:10

Get your mother on the exchange list if there is such a thing these days and find someone who is looking for that type of house. The council should be able to help.

SoyDora · 30/06/2018 08:10

What happens if one of you are made redundant, or become ill and can’t work? Will you tell your mum you can no longer afford to pay for her?

Penfold007 · 30/06/2018 08:10

As said up thread the bedroom tax won't affect your DM as she is a pensioner on benefits. Think twice before encouraging her to give up a secure council/housing association tenancy. At 67 your DM qualifies for retirement housing, she would be better off waiting until her housing provider offers her a smaller place.
I admire your DM for being willing to downsize and release her adapted home for a family with a disabled member but realistically the property will be allocated to whoever needs it.

fuzzyduck1 · 30/06/2018 08:11

Fund her buying the council house then it’s an investment

gamerchick · 30/06/2018 08:12

Fund her buying the council house then it’s an investment

Heh don't poke that wasp nest man Grin

Troels · 30/06/2018 08:14

I think you are your sister are being very short sighted.
Just because she fancies moving and handing her adapted flat over doesn't mean she should. Theres no guarantee they'd give it to a family who need the adaptions and have been known to take lots of them out to give to other families.
She should wait for a retirement flat to come availible and then move, rushing into private rent is silly.
Moving when he has only recently passed away is not a good idea, she should wait and let quite a bit of time pass before a move, therefore giving the council time to find her a flat.
If there were no other choice but you helping or she'd be homelss then I think your Dh is being unreasonable, but as it is, you are all jumping ahead of yourselves and not thinking it through properly.

HarryLovesDraco · 30/06/2018 08:15

Your mum could do a transfer to a non adapted 2 bed flat and you cover the rental shortfall.
Why wouldn't your mum get housing benefit in a private rental?
Your plan is a bit flawed; if she has a council tenancy she definitely shouldn't give it up, and I don't know why you are paying her rent rather than housing benefit.

BUT your husband is being a tight arsed shit head about it. Possibly because he can see the flaws in the plan it doesn't agree with you and your sister paying your mum's rent when she has a much cheaper flat she could stay in...but the bottom line is he's being an arse.

SD1978 · 30/06/2018 08:15

I’m afraid I agree with several posters- I wouldn’t be putting her into a private rent. Fair enough to help out (if required) I’d imagine she’ll be losing money as she will no longer receive carers? Will she be able to live on her pension? Can she not advertise she is looking for a swap with the council property? I wouldn’t go from council to private at her age if I could avoid it, which she could.

Oly5 · 30/06/2018 08:16

Your DH is being unreasonable.. and mean

feral · 30/06/2018 08:16

If paying this £400 was the o my solution your DH would be unreasonable but as it would be cheaper to pay the bedroom tax only (if she's got to pay it as pp thinks not) and stay put.

I'd say it's your mum being unreasonable wanting to move at your expense when she has a secure tenancy. Claim housing benefit and top up bedroom tax if needed and stay put until a smaller place comes up via bidding or a swap.

HellenaHandbasket · 30/06/2018 08:16

His attitude isn't great, in fact it shows a really nasty side.

That aside, I would encourage her to stay in council.housing. there is no telling how long she will live and with no independent income she is way more secure there.

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