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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:
AlmaGeddon · 03/09/2018 13:39

If you pay the mortgage is teh house yours or is he claiming half as his. He perhaps should pay his share or you keep the house entirely but you'd need to get that in writing with a solicitor I think.

ShatnersWig · 03/09/2018 13:39

This means I am ending up watching the pennies at the end of the month

He gives me £500 a month which is half of what he used to spend on rent / council tax etc. So we both are 50% better off.

Putting off all sorts of other questions (although I already asked one about the mortgage), the above two statements don't quite seem to fit. You're £500 better off per month but watching the pennies - how on earth did you cope before you were married??

Elephant14 · 03/09/2018 13:40

"He shouldn't have to suffer just because the kids' father is a manchild" I am impressed that this twat can bear his suffering.

Those kids need to be in a home where people love each other, not count the cost of baked beans and turning the heating on.

So what does he do at night, come home, order a nice takeaway with his own money and sit in "his room" that he is apparently renting from you, ordering luxury items and watching "his" TV until he's ready for bed then you are allowed to go in and have sex with him? And for this he pays how much a month? I can imagine many men would absolutely LOVE this arrangement.

Or, are you saying that he is part of your family, the kids get on with him and feel respected and valued, and so do you, and you all see a lifelong future together with everyone contributing according to their means. Because I rather thought if a man married into a family then the latter should be the case.

Eliza9917 · 03/09/2018 13:40

dementedpixie Mon 03-Sep-18 13:02:20
I can't believe you pay 2/3rds of the mortgage too

This. Where the fuck do children take up a share of a mortgage?? The mortgage should be split 50/50. You've married a miser OP.

TwistedStitch · 03/09/2018 13:41

So does he literally pay £500 to live, including rent, bills, food and pay nothing else? And will inherit a home for life AND a lump sum of money if you die?

Elliss2018 · 03/09/2018 13:42

YANBU of course he should pay! He's their step dad. My DP pays towards my DC and we aren't even married.

Not sure how/why this wasn't discussed before you got married though.

ShatnersWig · 03/09/2018 13:42

The mortgage should be split 50/50.

In which case, he should have his name on the house and own half of it.

museumum · 03/09/2018 13:43

I thik he should be paying you all of what he is saving in rent elsewhere, not half of it. He benefits from the bigger house until death anyway.
I also think the earning adults in the house should split the food and utility bills equally.
But I understand why you wouldn’t want to ask him to pay for the more direct childcare or clothing or clubs costs.

Branleuse · 03/09/2018 13:44

why the fuck did you make it so he gets the house when you die instead of your kids.

Collaborate · 03/09/2018 13:44

You lost your tax credits due to him living with you. He needs to replace that by assuming responsibility.

HollowTalk · 03/09/2018 13:45

So this guy is living with you and pays £500 per month for EVERYTHING???? And he's got a nice new car and over £2K left for himself each month?

Are you INSANE?

LanaorAna2 · 03/09/2018 13:46

the thought of asking a man for money makes me feel sick. There lies your problem - you're too used to generations of cocklodgers.

Now you realise you've done your time with them, which is an important first step. Particularly if you want the marriage to last, which it won't unless he starts pulling his weight. You'll resent him, rightly, and it would be oh-so easy to get rid.

I have massive sympathy - you're scared to lose control. With the men you've had in your life so far, that's been nothing but common sense.

But give this one a chance to be different and decent. Men's function in the family is to pay for it, among other things, and your DH is no different. Ask for a little bit and see what happens.

You'll soon find out if he's keen on you and the DC or just The Bank of Mom.

MiddleAgedMe · 03/09/2018 13:47

He should be contributing!

TwistedStitch · 03/09/2018 13:47

I'd love to know where I could live as an adult for £500 a month all inclusive and get a home for life and cash inheritance too. You are doing your kids a massive disservice.

IWishIHadEvenMorePlasticTat · 03/09/2018 13:49

I think the fact that the house is yours only is complicating things.

If it were the other way round, I wouldn't advise a woman to pay towards a mortgage that she wasn't named on. Why plow loads of equity into a house that you'll never be able to realise?

On the other hand, now that you're married, the house is an asset of the marriage, so if you wanted to keep it as all yours, you probably shouldn't have married. As far as I know, now that you're married, if you die, the house automatically goes to him and it's his to do with as he pleases. Do get legal advice on this to double check.

DP and I have the same situation WRT property and inheritance but we're specifically not married because he wants his flat, which he owns outright, to pass directly to his children if he dies. And we've each willed our halves of our house to each other.

SchnitzelVonKrumm · 03/09/2018 13:49

Also doesn't the fact that you're married entitle him to a share of the house even if it's in your name and you've paid for it all? If you divorced, I mean.

HeckyPeck · 03/09/2018 13:50

So he doesn’t get any equity from the house if you die? Just life insurance pay out?

If that’s correct then if I were him I wouldn’t pay towards the mortgage.

I would however contribute to all other bills/kids expenses proportionally to our respective wages.

Melliegrantfirstlady · 03/09/2018 13:50

I’m confused here. If you are in England and married half of that house is his regardless of deeds. If he divorced you then your will is pointless.

I’m assuming if you have four children you were in receipt of CHild benefit, working tax credit and childcare tax credit before he moved in? You must have lost a lot of money with him moving in?

Given his income I’m assuming you are aware that you may not even be entitled to CB as there is a cut off point.

I’ll be honest I do think he should hand over his entire salary to you but I think you need to be clear with him and explain that you have actually lost £££££ in benefits due to him living with you and now you are massively out of pocket.

I wouldn’t actually mention the children. Just tell him you are struggling. His response will tell you everything you need to know.

It is actually quite shocking that a married man is contributing only £500 per month towards living expenses!

You could have written that will regardless of marriage!!

ShatnersWig · 03/09/2018 13:50

@Collaborate said You lost your tax credits due to him living with you. Did she? The OP said I was able to support the children without him before with no tax credits etc so I assumed she wasn't receiving any anyway.

Melliegrantfirstlady · 03/09/2018 13:51

Should say I DONT think he should update give his entire salary

Collaborate · 03/09/2018 13:53

I missed the "no" before the "tax credits".

As you were.

ShatnersWig · 03/09/2018 13:53

If it were the other way round, I wouldn't advise a woman to pay towards a mortgage that she wasn't named on

Quite. I've seen loads of threads in my 8 years on MN and the almost universal advice given to women is not to pay on a mortgage she wasn't named on and didn't therefore own a proportion of the house. Why should it be different for a man?

Rebecca36 · 03/09/2018 13:55

Your partner doesn't have to contribute towards the upkeep of children who are not his. However you could ask him to up his contribution to the household thus freeing up a bit more for you to use at your discretion.

The children's father doesn't pay enough, imo. Ask him for more if only on an ad hoc basis.

GoatWithACoat · 03/09/2018 13:55

I don’t think you should have married him. He sounds very selfish and you shouldn’t even have to ask him. He married into a family. His choice, nobody forced him. If he wasn’t prepared to include the children then he could have married someone without 4 children.

chillpizza · 03/09/2018 13:55

How did you cope before? If your watching the pennies now with an extra £500 a month surely you where on your arse in debt before you married him?