He does have money left over yes and he spends it on stupid stuff. Anything he wants he gets. Like I say he thinks his part is paying a few direct debits and that's it.
And when he says "I've got no money left" because of this, what do you say?
If it makes any difference the mortgage is £450 so not some staggering amount he then pays a phone contract and the internet.
Ok, so he's got plenty left over.
I pay for everything else. Council tax, gas and electric, water, house insurance, pet insurance, boiler insurance, car finance, all of the shopping, everything for our son bar half the nursery fees, absolutely anything else we need money for in the month comes from me.
Yep, that will add up to way more than £450 plus a phone/broadband bill.
He pays his 3 direct debits then swans off acting like nothing else is his problem. He just turns around and says he has nothing left if something comes up. Like it's my job to pay for everything else and not his problem.
So what do you say. He's got hundreds left over. And says he's "run out". You know this. He knows this. And yet you don't call him out, just complain that he sees it as "your responsibility" to pay. He's literally mooching off you, and you're saying nothing.
Why. Have. You. Got. No. Money. Left. You. Have. More. Disposable. Income. Than. Me.
And repeat, until he admits (or never does) he's been saving himself a nice little nest egg at your expense.