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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

I'm a SAHM and dp won't give me access to his bank account.

340 replies

Junoscup · 26/02/2021 19:51

We have 3 DC (eldest two aren't his). Our youngest is 18 months.
I am a SAHM, have been since pregnant with youngest.
After a lengthy period of not being ontop of finances and struggling to make ends meet, we are going to be calculating everything this weekend and coming up with a budget.
I have recently submitted his last 3 years (late) worth of self assessments (he is self employed and stopped using his accountant, long story) without being able to claim expenses for fuel and tools because he didn't keep his receipts.

He has been keeping them consistently for the last few months though since we submitted his tax returns.

I just asked him if I could have access to his bank account log in to assist me keeping on top of everything (all bills come out of his account).

He has said no. That he will be giving me his work expense receipts and that's all I will need, that he doesn't want to be nagged every time he buys something. I asked him if he intended on buying things that he wouldn't tell me about and he said no. I said, so what's the issue then and he said "I work, it's my money". I responded that this logic was flawed considering I am at home caring for his child and am not working because of this, am totally dependent on him etc so how is it his money and not both of ours.

I know what he gets paid because copies of his invoices get sent to our address from work every two weeks. I pointed out that I would know if there was money missing based on that and our bills etc....so what's the problem with me seeing this account.

This went round in circles and he didn't budge. It's his account and his money and he won't have me nagging him every time he spends money on a coffee or 20 quid on golf.

AIBU to think this is not OK?

OP posts:
sunflowersandbuttercups · 26/02/2021 21:00

It's not that I don't want to get a job. I'm pointing out the fact that unlike most MNetters, I don't have qualifications, training, a career to return to. I will still be unable to make ends meet on my own. I'm 34 and I don't have anything employers want, other than min wage.

Saying "go back to work" as if this will solve things, when my contribution to the household will be a fraction of DPs...

You're TOTALLY missing the point.

Iwonder08 · 26/02/2021 21:01

OP, you deliberately structured your life to depend on this man who pays for you and your 3 children, 2 of which are not his. You decided to stay home and not to work. You relied on him financially even before the baby. He is not even your husband. You have no rights to demand anything from him. It is not family money as your are not married.

Junoscup · 26/02/2021 21:01

@nimbuscloud

What age are your older children?
6 and 10
OP posts:
anotherlongwalk · 26/02/2021 21:01

@ashley17leigh I'm assuming you've replied to the wrong thread!

TheYearOfSmallThings · 26/02/2021 21:02

I don't have qualifications, training, a career to return to. I will still be unable to make ends meet on my own. I'm 34 and I don't have anything employers want, other than min wage.

34 is young enough to start a career. It is not nearly old enough to quit work and spend the rest of your life without access to the only bank account in your house that has money coming into it.

obstinatrix · 26/02/2021 21:02

@Junoscup

We don't have a joint account. When I was working he would transfer money to my account and all bills came out of mine (I was living in this house before he moved in).

I have wanted to get married for years and he keeps saying he will ask. We have had many arguments about it.

Ask what? This is so stupid. You've asked him. Just agree to do it. In the modern world, women shouldn't be beholden to a man finally getting rounding to ~asking back. You've already decided it's sensible so just do it.
grapewine · 26/02/2021 21:03

@Iwonder08

OP, you deliberately structured your life to depend on this man who pays for you and your 3 children, 2 of which are not his. You decided to stay home and not to work. You relied on him financially even before the baby. He is not even your husband. You have no rights to demand anything from him. It is not family money as your are not married.
To be honest, I agree with this.
anotherlongwalk · 26/02/2021 21:04

The fact that your contribution will be a fraction compared to his is irrelevant. The fact is you will gain some financial control and independence. That's what everyone is trying to get through to you!

sst1234 · 26/02/2021 21:04

OP AIBU doesn’t really come into it. You chose your setup, there is nothing you can do if he doesn’t give access to his money. That’s that. It’s unreasonable for you to be surprised by this. Regain your independence, change this setup.

Junoscup · 26/02/2021 21:04

He won't do it. I asked him to move out because of this. He refused and just kept saying he would ask in a year or so. Hasn't happened.

OP posts:
toocold54 · 26/02/2021 21:07

It's not that I don't want to get a job. I'm pointing out the fact that unlike most MNetters, I don't have qualifications, training, a career to return to. I will still be unable to make ends meet on my own. I'm 34 and I don't have anything employers want, other than min wage.

OP I have been a single parent since I was a teenager with no job and no qualifications. I had to get my qualifications and jobs whilst being a single parent, like thousands of other women. It is not always easy but not impossible and you don’t need to have qualifications to get a decent job. There’s nothing stopping you from doing an online course even whilst you are a SAHP.

ashley17leigh · 26/02/2021 21:07

[quote anotherlongwalk]@ashley17leigh I'm assuming you've replied to the wrong thread![/quote]
Apologies - i'm new to mums net ! thanks for letting me know :)

sunflowersandbuttercups · 26/02/2021 21:07

@Junoscup

He won't do it. I asked him to move out because of this. He refused and just kept saying he would ask in a year or so. Hasn't happened.
Why should he move out when he pays all the rent and bills?
JackieWeaverHandforthCouncil · 26/02/2021 21:07

OP you still sound relatively young. There’s time to turn this all around.

You will be in for a lifetime of poverty, scraping by and misery if you continue on this path. You’ve become used to being disrespected by men and have low self worth.

Get a job. Any job. In fact supermarket and jobs like McDonald’s are great. They have good development schemes and you can work your way up to regional manager etc with dedication.

AnitaB888 · 26/02/2021 21:07

"He doesn't pay me anything for childcare. I don't have an allowance. I get £47 a week in child benefit and I spend that on clothes for the kids sometimes."

Your Child Benefit should be going up soon to £48.95 by my calculation.
You can claim Jobseekers Allowance if you register as being available to work. It is £58.90 pw if you are under 24 years of age and £74.35 if over 24

He is legally required to support his own children, so ask him when you will get an allowance.

OP please wake up and smell the coffee.

Junoscup · 26/02/2021 21:07

No it is getting through to me. I will find work.
My response was to the pp who was asking why if even bothered posting. I was trying to explain why I was questioning the "just go back to work" responses as if it would solve everything.

OP posts:
PurpleBiro21 · 26/02/2021 21:08

OP while you are at home can you train in bookeeping or something? You really need an independent income.

You’ve put yourself in a very precarious situation especially as you have two children that he is not legally responsible for. A bit irresponsible really.

He is doing the right thing by covering their costs (or are you just using CB for that?) but there’s no guarantee that he won’t resent that at some point.

The power imbalance is a major red flag.

toocold54 · 26/02/2021 21:09

OP, you deliberately structured your life to depend on this man who pays for you and your 3 children, 2 of which are not his. You decided to stay home and not to work. You relied on him financially even before the baby. He is not even your husband. You have no rights to demand anything from him. It is not family money as your are not married.

I feel like is why DP doesn’t let you have access. Does he think you should be looking for work now?

Junoscup · 26/02/2021 21:09

He pays all the rent and bills but my name is the only one on the tenancy. I lived here as a single mother before he moved in.

OP posts:
3rdNamechange · 26/02/2021 21:09

@Junoscup

I wanted to get evening and weekend work to contribute and he has stated that he won't allow it because our dd "needs me". The fact is we are not coping financially. We borrow money from parents every month and still can't cover everything. He just says "I'll earn more next month" and it goes on and on.
He won't allow it. Oh dear , this is more than money. He doesn't want to look after the kids or you to have a shred of independence. I'd be gone I'm afraid.
Twizbe · 26/02/2021 21:09

You keep saying you have no qualifications or career to go back to.

Crazy idea here OP but getting a job also opens doors to qualifications and careers.

Take up dog walking again - move to a dog day care - get some money behind you - train in dog grooming - open a grooming parlour at home .... boom career

Get a supermarket job - do their in house training - do a formal qualification that they sponsor - work hard - get promoted .... boom career

You're making excuses to stay in this very very vulnerable situation.

Junoscup · 26/02/2021 21:09

@toocold54

OP, you deliberately structured your life to depend on this man who pays for you and your 3 children, 2 of which are not his. You decided to stay home and not to work. You relied on him financially even before the baby. He is not even your husband. You have no rights to demand anything from him. It is not family money as your are not married.

I feel like is why DP doesn’t let you have access. Does he think you should be looking for work now?

He doesn't want me to work. He doesn't want DD going to nursery.
OP posts:
SimonJT · 26/02/2021 21:09

@Junoscup

He won't do it. I asked him to move out because of this. He refused and just kept saying he would ask in a year or so. Hasn't happened.
Are both names on the rental contract? If both of you that means you can’t make him leave, but you can choose to leave and elsewhere. Would he be willing to give you a date to leave by etc to help you to access social housing?

It he did move out could you afford the property? If not you will need to move out due to needing a cheaper property.

SimonJT · 26/02/2021 21:10

Sorry thats a cross post regarding the tenancy.

Twizbe · 26/02/2021 21:10

Tough shit if he doesn't want her going to nursery (which btw he doesn't want because he wants to control you both)