Not impossible to sever debt ties at all. There are forms to complete etc but no, not impossible. Fwiw this is an instance where NOT being married doesn't protect you from being linked with someone financially.
The society supporting you were you to become sick/disabled would include your partner/husband yes? I'm not talking in a wider sense but if one of a couple becomes sick/disabled then usually the other picks up the slack. Including financially.
Why do you think marriage means giving up your independence? What form does your independence take?
Zsazsa - the op's opinion on protecting oneself isn't the where the outdated misogyny exists! It's in the fact that it's STILL women taking the career and most crucially financial hit of producing children! Which is necessary to keep society working for all of us.
"as they have lovely ideas of a “daddy” type husband giving them lots of lovely things." Errrr what?! That's not why I advise it's better to marry before sacrificing career/finances.
"Marriage can be a financial risk" do you mean relationships can be a financial risk? Because the scenarios you outlined not only just as possible in a cohabiting relationship but potentially more likely.
Delphguelph - thanks and very brave of you to admit that on this thread. I've met friends/acquaintances in real life who've been ADAMANT that it does - even claiming it does in Scotland even if not in England, Wales or Northern Ireland. One even argued another acquaintances wife - who's a family lawyer! (She said she is frequently approached by potential clients who think she can get them their "common law settlement" with them often thinking they have a claim on their ex's home, she had a great story about one who thought they could get their ex PARTNER's children from his previous MARRIAGE disinherited in favour of her children! Bonkers!). People of all ages/backgrounds. Indeed the better educated ones are the ones more certain they're right.
281 is not exactly a tiny sample size.
I HAVE seen threads where op's or other posters have laboured under misconceptions on wills, nok... But the "common law marriage" myth seems to me far more widespread with implications in many areas.
Too many posters nitpicking at the "ring" title - it's a turn of phrase which I'm SURE those posters commenting KNOW which means they're just being disingenuous pedants!
Thumbwitches - thank you. In my case it wasn't just me and dd he changed with ex has changed in so many ways that within 5 years of our split all his old friendships had fallen by the way side and even his own immediate family were barely speaking to or even seeing him. Very odd. And yet I genuinely don't think it was down to her, weirdly she and I are very alike (not just in looks) albeit much younger (cliche or what?!) and I actually get on OK with her and SHE has always and still treats dd well. But yes I've seen with friends relationship breakdowns their ex's - particularly those that then become nrps - who were formerly loving, caring partners/parents become selfish, mean ex's. Bewildering!
"So protect yourselves - by marriage, by legal paperwork, by being the higher earner, by having your own assets, whatever - otherwise you could end up being another one of those "I never thought it could happen to me" stories.
THAT is what the OP is saying." HEAR HEAR!
P3ony the more strident your protests the less I believe them to be genuine. There's a BIG difference between disagreeing with the argument at the core of a debate and trying to take the debate off in a different direction for your own agenda! If you tried that in eg a uni essay you'd be marked down for not sticking to the point!
I consider myself a feminist and most of those who know me would probably use that word fairly early on in their description of me too - but there are different types of feminists with slightly different ideologies and beliefs in how equality should be achieved and how women should act in the meantime. Op is I believe referring to a particular type of feminist who just rants at ANY inequality and seems to think individual (usually poorer more vulnerable women than THEY are) women should cut off their noses for the feminist cause - while refusing to make any such sacrifices themselves!
If you want to make it so it's not NECESSARY for women to marry to protect themselves the main things that need to change are:
Attitudes to women of child bearing age in general.
Employment equality
Pay equality
Pensions equality
Laws regarding nrps responsibility to children from previous relationships (including inheritance laws)
Because then -
Mothers won't need marriage because they'll be self sufficient.
Women who's partners haven't made wills or made them without considering or "cutting off" their partners will be self sufficient
Women who's partners become chronically ill or disabled won't be more vulnerable if unmarried because they will be self sufficient
UNTIL THEN marriage is in many ways not only the best but the ONLY protection women have against being made homeless, of being thrown into serious financial difficulty at one of the worst times of their lives.
Noqont so very sorry for you and your family's loss. The real life instances I know where the women were hugely disadvantaged by being unmarried both involved their partners dying. They both lost their homes to their partners other family. Other issues regarding funeral arrangements, support of the surviving children caused much heartache. What was shocking to me was that when these women's partners were alive, there was no animosity, no tension between the women and their partners relatives. Their appalling behaviour after the partner died came out of the clear blue sky!
Cupofcoffeetime
"If both parties are happy then what does it matter if they are legally married or not?" Because the problems don't arise when everything is running smoothly, they arise when the shit hits the fan! As thumbwitches, me, bowing and several others can attest to - THAT is when you find out what people will really sink to! Be that ex partners, their parents, their children... And you CANNOT always predict how bad it can get. My ex showed NO signs of being a potential deadbeat dad, his father wasn't, he wasn't close friends with anyone like that, he never even threatened such things during arguments! Yet the transformation was almost instantaneous! Within days he refused to communicate, emptied and froze the JOINT bank account (into which the CB and tax credits were paid) without telling me. The first I knew was the cliche of being in the supermarket and my debit card being declined! I had no other money or source of income or even a bank account!
"We both consider we have equal rights over the money earnt and equal responsibility over the children when he is home." The problem is LEGALLY you have no rights over the money at all. If he died, then your not being married means potentially that it's easier for his other - legally recognised - relatives to challenge the will. I've seen it happen. Joint account - read above what my ex did! And both in real life and on here this is a common action.
"Thankfully as things are in the UK at the moment I would have financial support whilst I find a job should I need it." If you mean benefits, it takes several WEEKS for initial claims to be processed, if you're in a UC area that can easily be months.
Not having your own separate bank account is also a pita if you find yourself frozen out of the joint account. Plus useful to have more than one account in the event of system failures etc