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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to ask new husband to contribute to child related costs for children that are not his?

493 replies

Clockworkteacup · 03/09/2018 12:53

Just that really. Married last year. Four children now aged 8, 9, 11, 13 from first marriage. Ex husband pays too little maintenance - £100 per month as is self employed.

For context, we both earn good money, although he earns very good money at 50% more than me. I was able to support the children without him before with no tax credits etc but it was a struggle as was paying out a lot of childcare and big mortgage. But I was fortunate to be able to own our own home, pay the bills etc, even though not much left over. This isn't about being 'poor' and I recognise how lucky I am to be able to rely just on my own income.

AIBU to expect him to pay any of the child related costs? What do you think is a fair way to split the bills?

At the moment I am paying for half of what 'we' cost and all of what the children cost. So I pay around two thirds of our house related outgoings e.g. mortgage etc as need a house for five. I also then pay for all childcare (at £800 a month), all their clothes uniform, their lunches, trips, birthday presents and so on. He does split big costs like holidays and meals out 50-50.

This means I am ending up watching the pennies at the end of the month whilst he has around £2500 more than me after house stuff is paid. He drives a new car whilst I drive one that is 12 years old. I was triggered to write this by him complaining about not being able to afford something very expensive (and nice but certainly not a necessary cost) whilst I am worrying this month about the bills.

But they are not his children.

And their father evades paying much for them.

And we both saved about a similar amount by him moving in, in terms of housing costs (mortgage, utilities, council tax).

Backstory - I have major money issues through paying for everything for cocklodger ex husband and have a father who didn't work, and a brother who seems to live off high earning women so am skewed (and anxious) around men and money.

OP posts:
FourFriedChickensDryWhiteToast · 03/09/2018 15:35

Yes well if that is what Sandy meant, perhaps she should have made that clearer, because what she wrote just sounds really spiteful and therefore I reported it.

SinkGirl · 03/09/2018 15:36

I think you should deduct at least childcare costs from your income and then split mortgage, bills and food as a percentage of remaining income. When I earned more than DH I paid more rent and more towards bills. Now I earn very little and he pays most of the bills. I don’t think your DH should cover the costs of your kids but if he earns more he should pay more towards shared costs.

OkMaybeNot · 03/09/2018 15:36

Even better would be to pool your finances. You're a family now, right? Your setup seems more like a boyfriend/lodger than a married couple/stepdad setup.

deepsea · 03/09/2018 15:36

So he has half of your house and a very nice life, and you are raising four children and paying for almost everything...you definitely need to ensure you get legal advice and start protecting your assets.

IF he loves you and intends to be a proper family he won't mind combining all of the income into one joint account will he.

What happens if he becomes ill and can't work, and you are left carrying four children and him? It is not just you, he could also have health problems and expect you to take care of him.

On what basis is this a true marriage when he has such much money left over and you are left scratching around? You are his wife, this is totally unacceptable.

You either share finances and pool together or you get some advice as to whether it is possible to annul your wedding (not sure if you are in the time frame) and he moves out and stops sponging.

How long have your been married?

SandyY2K · 03/09/2018 15:38

If your kids go to Uni...His income will be taken into account with the loan they get.

Might be best to seperate aròund that time, if all their Uni expenses will be on you.

FourFriedChickensDryWhiteToast · 03/09/2018 15:38

it IS sponging , OP, that is the only word for it.

Clockworkteacup · 03/09/2018 15:41

My kids are fine thanks Sandy - they're well protected in my death and have everything they need now. I'm not on poverty line 😐

For the kinder responses - I think I will ask him to pay half costs and see what happens. Yes his £500 covers everything although he does tend to pay if we eat out.

My issue is seeing our money as joint. Ex husband landed me in so much debt as he paid nothing and spent 'my' money on top on stuff we couldn't afford despite me working more and doing all childcare responsibilities. My anxiety says I'm just being like him if I ask ... but 50-50 on bills at least I can cope with asking for.

OP posts:
Eliza9917 · 03/09/2018 15:43

I thought any assets accrued before marriage stayed the property of whoever owned them upon divorce and only assets bought or accrued after marriage were split?

I take it from this thread that I'd got that wrong.

FourFriedChickensDryWhiteToast · 03/09/2018 15:44

I just wonder how much " cocklodger ex husband and have a father who didn't work, and a brother who seems to live off high earning women " have affected you OP. You sound kind and generous, perhaps overly so? I do not mean that in a nasty way, just as a suggestion.

AngelsSins · 03/09/2018 15:44

I can’t believe how many people think a step father has no responsibility towards his step kids. Presumably they also believe that step mothers aren’t responsible for their step kids too? So no expectations to care for them whilst dad is out, or pay money towards their care or sort out birthdays? Except that’s not what I read on MN at all.

HollyGoLoudly1 · 03/09/2018 15:45

My issue is seeing our money as joint.

I think this is the real issue here OP, the children are almost a red herring (although a very important one!). You have a huge difference in income/outgoings - should couples pool resources or keep them separate is the key question here. I'm firmly in the pool camp - me and STBDH are teammates and I wouldn't feel comfortable with it any other way. For what it's worth, if we didn't pool our money I would be significantly better off than he is - it's not a case of me wanting extra before anyone makes any comments!

FourFriedChickensDryWhiteToast · 03/09/2018 15:46

I think I have just realised why my stepfather dumped my mum off until I was 21...

ilovewelshrarebit123 · 03/09/2018 15:47

That's just crazy! Everything should be combined and you each pay a percentage of your individual incomings towards the household.

He can't have £2500 left over and you have nothing, even if they're not his kids.

I'm divorced now but I had a joint account with my ex which paid for his kids from his first marriage. It never crossed my mind that our money wouldn't be combined.

deepsea · 03/09/2018 15:47

OP you don't need to 'ask' you need to tell him this is how it is going to be, because otherwise it is grotesquely unfair.

He is either in, and involved and part of the family. Or he is out. You don't need to be grateful to him for having you, as some people have said unkindly. He knew from the beginning that you came as a package and he was happy to get married anyway.

So no more tiptoeing and be far more assertive. The reason why you were probably taken advantage of by your ex in the first place was because you did not stand up for yourself and your finances. I am sorry to say it is happening again in many ways.

You are either a family or you are not. Families share everything and together in all ways bar none.

I am sorry you didn't chat about this before the wedding, but you can put this right now.

You should have equal amounts to spend, and the bills etc should all be shared including the children. He can not have his cake and eat it, whilst you are killing yourself keeping everyone afloat.

nellieellie · 03/09/2018 15:50

It’s a difficult one, but honestly, if you’re a family, you’re a family. I couldn’t live any other way than joint bank accounts. Money goes into a pot and outgoings come out pot. Can’t see how a partnership works if he’s got shedloads of spare cash and you haven’t. At the VERY least I’d say mortgage and housing costs must be split 50/50. - he’s living there fgs.

Lizzie48 · 03/09/2018 15:52

Why do people keep calling the OP's DC 'other people's children'? It's actually insulting, their his wife's children, so he is their stepfather.

nellieellie · 03/09/2018 15:54

Just to add... your husbands income would always be taken into account when looking at welfare benefits, school expenses (eg if you couldn’t afford an expensive trip), education grants etc. Society generally expects when people live as a family ...well...that they ACT like a family.

headstone · 03/09/2018 15:55

I don’t think he should have to take on the burden of 4 children just because he married you. They already have a mother and father who should be providing for them. He should pay half the mortgage though if he is likely to get half the house in the event of divorce or death.

TheWinterofOurDiscountTentsMk2 · 03/09/2018 15:56

Why do people keep calling the OP's DC 'other people's children'?

They aren't his children, so by definition they are other peoples children

Lyinglow50 · 03/09/2018 15:56

I think your biggest issue is that you believe he wouldn't look out for you if you were ill. This speaks volumes. I know you have had a tough time in the past bur really? Would you look after him if he was sick. I know the answer is yes.

Stop behaving like a martyr. You sound highly capable to me. Get a grip of yourself. Go to see a solicitor. Protect yourself and your kids properly.

Is your DH faithful to you? Have you ever doubted him? Do your kids like him. They will get challenging as they get older. 8, 9, 11 and 14 holy f*. They will have him for breakfast in a few months.

Although you are a coper you are putting yourself last. Your past experience has damaged you. You can't fix everyone.

Put yourself first!

InertPotato · 03/09/2018 15:57

You have no equity and he's paying £500/mo plus other expenses eg food or is that all in?

What is the mortgage payment? What is the market value of the rent? What happens with interest adjustments?

FourFriedChickensDryWhiteToast · 03/09/2018 15:58

" I don’t think he should have to take on the burden of 4 children just because he married you. "

in that case, he shouldn't have married OP should he? no, he could have just stayed as BF. as others have pointed out, and what some people seem to be too dense to take in, is that husbands income is counted as family income whether he fathered the children or not, for the purposes of eg tax credits, student grant etc.
Why should he have all the advantages of marriage but none of the responsibility? Does he have a golden cock?

NatureIs · 03/09/2018 15:59

"Would he care for me if I couldn't work. No I don't think he would."
Reader, I Married Him. Shock Flowers I think you should urgently seek legal advice.

InertPotato · 03/09/2018 15:59

I can’t believe how many people think a step father has no responsibility towards his step kids.

I'd say more to the point, a stepfather has whatever responsibilities are agreed between him and his wife, ideally in advance of marriage.

Lizzie48 · 03/09/2018 16:00

They're his stepchildren. His wife isn't just 'other people', is she? That's what's insulting. My DSis is a stepmum and she loves her DSS as much as her own DC, because he is her DH's DS.

I'm an adoptive mum myself, so biology doesn't matter to me anyway.

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