DH’s account billed, who should pay?

[SettleMeThis]

Settle an argument for me please!

In April, I signed up for a 30 day free trial of Apple Music on my husband’s iPad which has his card details saved to it. I told him I’d done it and that I would cancel it before he was billed. I forgot to cancel it and the money came out of his account in May. I reimbursed him immediately and told him to cancel what was now a recurring monthly subscription, he said he would.

Fast forward to this month. The subscription fee has debited his account again because he didn’t cancel it. He’s asked me to send him the money again, however I said no on the basis that he said he was going to cancel it so in my eyes, my work is done. He says he would never have been charged if I hadn’t set up the free trial in the first place so I should pay. I see it from both sides, but would rather not pay up for something which I don’t feel is my fault any longer.

Who is BU?

@Nap1983

So what is it like £8 quid…. Surely it’s all coming out the same pot… can’t imagine ever asking or being asked for that amount or in fact any

Why is it surely coming out of the same pot? Married people are allowed to have separate finance you know, not everyone is the same

Yes, the amount in this case is trivial but the principle would hold if it was 100 times as much so worth a discussion

You both sound ridiculous.

Well matched.

Just cancel it right now. You'll still get access to it until the end of the billing cycle, so it's not lost money, and then you don't have to think about it.

While he probably should cover this month, as he said he'd do it, I think you should swallow it as the whole thing was for your benefit.

That said, I also do think that this is a bit ridiculous. I get separate accounts and I get that your finances are tight, but this is an argument not worth having over £10.

You should pay and then create a better system for reminding you to cancel such subscriptions.

You pay as you set it up. Don't set things up if you can't/won't cancel it.

I always wonder how the wedding vows go in marriages like this.

Like, with all my worldly goods I thee endow (unless you sign up for Amazon Prime on my card).

Ooof I'm on your husbands side.

I'm not surprised he forgot just because it wasn't on his mind in the same way that it would have been had it been his subscription.
It just wouldn't have been as present in his mind.

I'd suggest splitting it and never doing it on his account again.

Also - if you can subscribe from his account, you can end the subscription. So really it should have been all you.

I'd pay if I was the one who signed up for it; you really should have cancelled it.

Definitely you. You signed up so you get to cancel.

@CeeceeBloomingdale

Who cares, you are married so the money belongs to you both

100% agree with this. I know some disagree on here, but I have never - and will never - get 'separate finances' when you're married.

@SettleMeThis You and your DH are being unreasonable, as your finances should be pooled.

You and your DH are being unreasonable, as your finances should be pooled

Weird comment. Why should they be pooled? Everyone's different.

I just asked DH and he's on your side and I'm on your Dh's side but we both agreed that we'd split it and it isn't as simple as who's right.

But thanks for the mini debate in the Diligence household.

You should have cancelled it. You didn't. If you're in a marriage where you're too petty to share money then you have to take responsibility for your own financial decisions. Pay it yourself.

Comments like "it's all joint money" are unhelpful / irrelevant, when that's not how OP and her DH have set up their finances

I can see both sides. OTOH, you set up the account, so you should cancel. OTOH, he said he would cancel, but didn't

Why is it surely coming out if the same pot? Married people are allowed to have separate finances

In most cases finances are certainly combined within a marriage.

It is beyond ridiculous for a married couple to be quibbling over who needs to pay £10.

@notanothertakeaway

Comments like "it's all joint money" are unhelpful / irrelevant, when that's not how OP and her DH have set up their finances

I can see both sides. OTOH, you set up the account, so you should cancel. OTOH, he said he would cancel, but didn't

I think people are referring to the legality of it, husband and wives finances are joint, in law.

I mean if £15 is that important to both of you, you should have been more proactive.

When I was poor as a student (as in maxed out overdraft and credit cards), if I signed up for a free trial best believe I would cancel the auto renewal immediately after signing up. I would even set a reminder in my phone to cancel it before the trial was over if I couldn’t do so immediately.

Therefore it’s odd that neither of you took the initiative if £15 would be desperately missed

Who cares, you are married so the money belongs to you both

Agree. My DH would acknowledge his fault and suck it up. We have a joint account plus he has his own account. I don't have my own as I've always been a sahm. But I can spend what I want out of the joint. I'm not a spendthrift so there's never been a problem.

Why do people on mumsnet find it so difficult to answer the question being asked and instead find the secret third option "tell the OP everything that's wrong with their life"?
How OP and her DH split their finances is none of anyone else's concern and she didn't ask for comment.

Why don’t you just split it 50/50 for ineptitude on both your part

You set it up, you are familiar with the process you initiated. You forgot to cancel it first time around.
Then you dumped the task onto him.
Sorry OP, deal with your own mistakes.

Charge him if he listened to any of the music during that time though.

If you’re arguing about this then things sound good. You should try the relationships board - good luck

Don’t sound good obvs