I would love some help - am I about to be unreasonable over money?
I earn around 1/3 more than my husband. He works really hard but is in a sector that pays less. Everything to do with our child is split equally - nursery fees (sizeable), clothes etc.
I own our house, bought before we married. I pay the mortgage and house related bills - council tax, insurance. Other bills like TV license and internet we split between us.
He doesn’t pay me ‘rent’ or a contribution towards the house. He puts away a roughly equivalent each month, into savings. I would consider these savings ours, or at a push, his.
Our finances are changing a bit soon. I am doing more days work which means I earn more, but the childcare bill goes up. I think we should continue to split childcare 50:50. This would mean he saves less, or nothing. I would save more. He thinks I should pay more because I earn more, then he can continue to save. What is fair here?
Regarding the money he has saved. If we used that money towards my house, paying off the mortgage or renovations, he would like to start to own a share of the house. This seems reasonable. If we did something else with the savings, like bought an investment property, we would own it together, the thinking being that he had only saved it because he has lived rent / mortgage free for a long time.
What do you think? Am willing to accept that I’m not right here, and also that I have failed to understand how finances in marriage work! 