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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU re DH’s spending

184 replies

Chipbutty67 · 08/10/2018 09:38

Hi,

I need a sense check about DH’s levels of spending. Not trying to be goody, I’ve only included amounts to give a sense of the extremity, in my opinion.

Background:
DH is from a very wealthy background and his parents spend similarly to him. I’m from a very modest background but whilst I worked, I earned more and was senior to DH. I spend like my parents, quite frugally. I’ve beeen a SAHM for 4 years, no income of my own. DH is a very high earner in a highly pressured job.

We clash all the time about his spending. Despite DH being a high earner, we can’t put our kids in private school or live in a nicer area because he refuses to cut back on , in my opinion, frivolous spending.

For eg he won’t learn to drive but Uber’s everywhere, spending easily £150 a month, if not more. He spends an enormous amount on video games, almost 400 a month. I cook a family meal every single night, based on what he likes to eat. 4 nights a week he’ll then order himself a takeaway after the kids and I are in bed. At least £50 a week. The list goes on and on. New tech, new watches, incessant movie purchases etc.

His arguments are:

  • it’s his money, he works very hard and is entitled to use his money as he wishes, which is true
  • he already provides the necessities for our family, also true, but I feel like the money could be put to use to improve our kids’ standard of living
  • I can’t understand, having grown up in a poorer household. He can’t reasonably be expected to change who he is or be policed by me. Not sure about this one, but it does make me feel guilty.

I hate being a nag or being cheap but every time a bank statement comes in I feel furious.

AIBU and controlling?

OP posts:
batshite1 · 08/10/2018 12:16

Do his parents facilitate his lifestyle? Embarrassingly I was a massive spendthrift, I’m a lot better now but the urge is often there. What didn’t help is that my dad would always help me out so I didn’t have to be so responsible if that makes sense.

Sarahjconnor · 08/10/2018 12:16

This reply has been deleted

Message withdrawn at poster's request.

Chipbutty67 · 08/10/2018 12:19

@AnElderlyLadyOfMediumHeight

Hedonism, that’s the word I was struggling for. It is all about instant gratification but I never bring it up re the wider family. It’s harder because any criticism sounds like I’m criticising his family by implication.

OP posts:
Tinkobell · 08/10/2018 12:22

Banking on an inheritance one day is fanciful. We've had this, anything can happen in life - long term care etc.

Chipbutty67 · 08/10/2018 12:22

@batshite1 embarrassingly, yes. Not since I became a SAHM and took over finances, but before then (unknown to me) PIL would send him a lump sum from time to time and still do for SIL.

OP posts:
batshite1 · 08/10/2018 12:29

the trouble is it’s very hard to change that mindset as subconsciously you know you have a safety net. I see it in lots of my friends, I kind of just grew out it.

Figgygal · 08/10/2018 12:30

The Uber wouldn't bother me but the other things would. Surely that is money that can be better spent in the future on the family? I would really struggle with that.

And the eating in after already eating is just weird.

you have it right there with the summary re: instant gratification. If he has learned these behaviours from his parents how are you going to prevent your own children going the same way?

batshite1 · 08/10/2018 12:37

Chipbutty67 Do you squirrel away a lot?

didofido · 08/10/2018 12:42

If you have been a high earner pre DC could you not work again, possibly p/t, and dedicate all your salary to your children's education and saving for their future? That seems to be, very reasonably, your priority.

However, I do someone who did this - and her "D"H then worked less and spent more. Maybe yours is not like this, tho'?

Fresta · 08/10/2018 12:51

Money aside- is he fat? - because eating takeaway four times a week, in addition to the family meal is not very healthy? And how on earth does he have time to time to play £400worth of games a month?

PillowOfSociety · 08/10/2018 12:54

I would be saving in an account in my name only.
And going back to work.
If he acts unilaterally and without regard for the needs of the family as a whole, I would want my own financial independence and security. I am frugal and a planner and I couldn't be subject to someone else's profligacy and lack of security.

Does a direct debit go out into a savings account?

You really are not being unreasonable, and it isn't just the actual money. He isn't acting like a family member, and as if he is in a team with you. He makes all his decisions unilaterally and you can do nothing but put up with it. This would disturb me as much as the waste of cash or his particular spending habits.

It should be the two of you, back to back, building and protecting your family with shared goals and each knowing where you fit in.

SilverBirchTree · 08/10/2018 12:59

@Fresta OP said earlier that he is fat but that she doesn't think that's any of her business.

HellenaHandbasket · 08/10/2018 13:05

Tbh, I would just tell him that you have set up an overpayment on the mortgage and are saving. Dh earns and I don't at the moment but I manage all the money, so I would just get on with it. Then even if he spends you know sensible bits are being covered.

Sethis · 08/10/2018 13:05

Overwatch is the real killer here. The rewards in that game are randomised. You are drip fed mystery boxes as you play the game, but you can also buy mystery boxes outright for cash. The contents of each boz is random, and some rewards in the boxes are better than others. Have a google of 'loot box gambling' and you'll see that the EU has recently taken legal action over this.

trickytroggle1 · 08/10/2018 13:08

DireStraights, do you run seminars???

ichifanny · 08/10/2018 13:14

Ultimately people can spend or save what they like when they aren’t married and one parent is a Sahp but when you both rely on his income it’s only fair if it’s seen as family money . The question is if you wanted to buy what you like would he bother ? It’s unfair if it’s only him that’s allowed to be a spendthrift . If you fancied a shopping spree or expensive items would he play the ‘ my money ‘ card ?

RiddleyW · 08/10/2018 13:17

I think I'd agree an amount for savings/ mortgage overpay with him. It doesn't sound like he'd object unless I am misunderstanding the dynamic.

To some extent I do think he should be allowed to spend some money on frivolities if you have it to spare. I do a stressy job for lots of money and part of the point is that I can buy things if I want. It sounds like he is fairly secure that his parents will bail him out for longer term things.

Take away thing would drive me insane tbh but that's nothing to do with the money.

Tinkobell · 08/10/2018 13:24

The subconscious "safety net" that an earlier poster talked of is a pretty dangerous and potentially destructive thing. My DP's old sister has this, family have ended up bailing her out countless times, bailiffs on the doorstep etc. She is now without a home, has had all her cards cut up. She has no where to turn now other than the state with social housing and a financial appointee via social services. All this with a brilliant university degree behind her and every life advantage.

Bluesheep8 · 08/10/2018 13:27

Why is he ordering a takeaway when he's already eaten an evening meal?

Jog22 · 08/10/2018 13:35

Is the name of the gaming company on the statement a recognised game company? If you've not seen it played have you checked out the name? Escort and other prostitution services will use an innocuous name so it doesn't draw attention on statements.

batshite1 · 08/10/2018 13:37

Tinkobell I would say your case is quite an extreme example though. The safety net I’m referring to is being gifted 300k for a house deposit, having holidays paid for, given the parents old car when they upgrade etc. For example a male friend was made redundant last year & he has only just got a job as he was very choosy & probably liked the time off. Now he didn’t have any debt but does have a mortgage although it’s a low one due to parental help & the fact he bought 10 years ago. His partners wage easily covered the mortgage & his parents paid for a holiday etc but it caused a fair amount of friction in their relationship as his partner just wanted him to get a job.

batshite1 · 08/10/2018 13:39

But I agree it’s destructive & can lead to bad decisions.

Sethis · 08/10/2018 13:44

@Jog22

Yes, Blizzard is the company that runs WoW and Overwatch, the games he plays.

goingonabearhunt1 · 08/10/2018 13:48

Do you save regularly OP? (sorry if I missed that). I think it's important to have a 'cushion' in case anything goes wrong (illness, redundancy, boiler packs in etc.) It's a bit daft to spend to the max when you earn a good wage (and could easily save) and then have nothing to fall back on IMO. I don't think it matters what you spend on as everyone has different ideas on what is a 'waste' but as long as you are saving something and not racking up debt. The takeaway thing is weird tho for non money reasons as pp have said, it sounds like he has some kind of overeating/binge eating disorder maybe?

PaulDacrreRimsGeese · 08/10/2018 13:49

OP would it be doable to get back to work?

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