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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Is it DH or me? (money matters)

198 replies

Alwaysforgiving · 24/02/2022 07:29

My DH and I have been together for 5 years. Over all this time there had been a real lack of transparency of what happens with his salary/money. He has children from a previous marriage. Throughout all of this year's, I've been the one paying most of the household bills. The percentage has varied through the years, but the best we ever got was about 60/40. I've always put all of my salary and my trust money in the joint account (big mistake) and he's always put in whatever he's been able to at the time. Also through the years, I've covered big expenses. I bought him a car (with my savings) and thanks to my savings and my family's help we've been able to get our mortgage for our first house and then for our current home. In the past, he's misused my credit card, and has lied about his personal finance situation (mainly being out of his overdraft). Over all of these years I've always wondered what does he actually does to his money and raised my concerns every now and then and things have improved but never to the full transparency that I would want. So we've reached a breaking point and I've told him the household would pay for his debts but he most close his current account, but he didn't want to close said account. I took his feedback and then suggested the household would pay for his overdraft, he keeps his joint account, we start getting paper statements (for transparency) and his salary gets paid to the joint account. I think considering everything I've done, and his constant lying for a year he still got a decent deal. To which he said that he didn't want that to happen because he wanted to pay CM from his account (as matter of dignity) and he'd transfer the rest. I said that didn't give me the transparency I wanted and I still had to rely on him transferring his salary. Then I lost it as I couldn't comprehend how he had the pizzazz to "voice his opinion" in a matter that quite frankly I've had enough. Thanks for reading!

OP posts:
worriedatthemoment · 24/02/2022 13:05

That way he can't spend it , there isn't too much you can so about his debt if just in his name and if he takes out more , just make it clear you won't be bailing him out and he needs to budget a little better

Faaather · 24/02/2022 13:08

Based on this and your other threads where you posted about his domestic violence and emotional, possible physical affairs, the last thing you should do is tie-up finances every further with this guy.

You’re young, it sounds like you have a good career, divorce him before your relationship starts to impact on your daughter.

It’s a short marriage, get out before he has a bigger claim on your money.

Alwaysforgiving · 24/02/2022 13:30

But was is a fair share?

OP posts:
billy1966 · 24/02/2022 13:51

You have picked a debt ridden man who could care less if he drags you into the gutter.

You are being used, and have been for years.

You have a child of your own now, you need to apply a bit of cop on and grow up OP, and see what has been staring at you in the face for years.

He isn't going to change.
Why would he when he has found a mug like you to marry him.

Your baby needs you to stop putting this waster first.

You both deserve better than him and your baby deserves better than your repeated bad choices.

Merryoldgoat · 24/02/2022 14:14

Based on this and your other threads where you posted about his domestic violence and emotional, possible physical affairs, the last thing you should do is tie-up finances every further with this guy.

Oh ffs - another day, another post completely distorting reality.

What do you get from pretending he’s a great husband and father?

SallyMcNally · 24/02/2022 14:16

@Faaather

Based on this and your other threads where you posted about his domestic violence and emotional, possible physical affairs, the last thing you should do is tie-up finances every further with this guy.

You’re young, it sounds like you have a good career, divorce him before your relationship starts to impact on your daughter.

It’s a short marriage, get out before he has a bigger claim on your money.

Ok didn't realise this.

OP he is a waste of your life. Leave.

ikeepseeingit · 24/02/2022 14:27

OP what I've gathered from your posts is that you want the both of you to have £80 each of spending money. He has agreed to this but would like the child maintenance to come out of his account as well. Being on 26K and paying in 1200 sounds like most of his wage minus the 80 and child maintenance to me. That seems fair.

You have separate issues with him regarding his inability to keep down his debts. I think this is clouding your judgment, and making you distrustful of him keeping what seems like a very reasonable amount of money for his personal account. It does sound like you're focusing on the wrong issue here. Your main problem is that you keep having to bail him out of debt, not that he wants to keep £80 + child maintenance.

Alwaysforgiving · 24/02/2022 14:47

I've just done the math, and from the 30 months I've been able to keep track of things, he's paid on average £827pcm. His average salary PCM has been of £1650pcm (including pension contribution). If we deduct his CM payment, that takes it to £1450... Which leaves in average (over the past 30 months) £623PCM for him to spend in his bank account.

OP posts:
Alwaysforgiving · 24/02/2022 14:57

Last year the average was £1100, £255PW, his salary after pension and tax was £381PW.

So he did keep £546 PCM, minus CM, £346PCM , that's £4152 over a year. And all expenses are covered by the joint account.

OP posts:
Snog · 24/02/2022 15:20

I agree that you need trust and respect in a relationship and you don't have this OP.

Could couples counselling help if other aspects of the relationship are good? Might be worth a go.

BluebellsGreenbells · 24/02/2022 15:22

Well this isn’t working is it? You have a bee in your bonnet over the logistics of fairness.

So you need to make it fair -

Add up all bills - mortgage insurance has electricity food - everything that is a joint bill.

Then add some on top for Christmas and birthdays, plus school uniforms, holidays - all the bigger unexpected bills - I’d include a small amount as joint savings for say the washing machine breaking.

Then divide the costs - agree a 65/35 split.

That way he’s contributing more than you need him to.

Then use your money how you want and let him use his money how he wants.

If you can’t agree you should consider divorce, because otherwise he’s going to drag you down with his debts.

You have different ideas on money and I should imagine you come from a wealthier family than he does.

RealBecca · 24/02/2022 15:29

The money is a red herring for your relationship problems.

Even just looking at the money you dont trust him, he doesnt want to work on a solution, he hides money. Why wouldn't he do that when he knows he can get away with it?

Merryoldgoat · 24/02/2022 15:38

Sorry he sounds like he’s contributing a fair amount of money given the wage disparity.

It’s irrelevant given he’s an abusive cheat.

Concrete on the real issue.

Alwaysforgiving · 24/02/2022 15:40

@Merryoldgoat

Sorry he sounds like he’s contributing a fair amount of money given the wage disparity.

It’s irrelevant given he’s an abusive cheat.

Concrete on the real issue.

But the disparity hasn't been there the whole time.... Which is were the issues started
OP posts:
Whingasaurus · 24/02/2022 15:54

This is the strangest thread you both sound unhappy, financially incompatible and he's deceitful so you're controlling, disclaimer not sure which came first. You need to stop complaining and end the relationship or suck it up and let him be in charge of his own finances. He sounds like a loser

Pinkpantslady · 24/02/2022 16:00

I read your other post about always forgiving. DP . I am sending a huge hug . You know this guy is not worthy of you.
Why do you put up with it ?
Are you down ? Scared you won’t be able to cope alone ? Or are you madly in love? I am sure this is hard as you share a child but you know this guy will never change. Why settle for this ?

twilightcustard · 24/02/2022 16:06

you earn 3 times as much as him, this sounds as controlling as fuck on your part and what is this 'presents' thing. How odd. Once again if the sexes were reversed all these responses would be very different.

Alwaysforgiving · 24/02/2022 16:07

He started it all... When he first promised he would start contributing (when he moved in , and the goalposts would change or when he didn't have enough to contribute. Then a few months/year later he used my credit card to buy me a birthday present and buy his son a phone. At this point BTW we were both making the same amount of money (and he'd contribute to about 1/3 of joint expenses). This remained for at least another year... Our expenses sky rocketed (due to nursery costs- although I was on the same salary as before) so he increased it to about 40% of our expenses, I think that's probably it's ever been.

OP posts:
twilightcustard · 24/02/2022 16:07

@Cocomarine But don’t forget it’s OP paying for said cake too!. because she earns 3 times as much as him ffs

Alwaysforgiving · 24/02/2022 16:09

@twilightcustard

you earn 3 times as much as him, this sounds as controlling as fuck on your part and what is this 'presents' thing. How odd. Once again if the sexes were reversed all these responses would be very different.
I think you're missing the point that it's only very recently that my salary increased that much. Before our salaries were more or less the same (and I was even made redundant.so had no income for a few months).
OP posts:
Alwaysforgiving · 24/02/2022 16:12

[quote twilightcustard]**@Cocomarine* But don’t forget it’s OP paying for said cake too!*. because she earns 3 times as much as him ffs[/quote]
That's only been one (almost two!) Paychecks so far.

OP posts:
SeasonFinale · 24/02/2022 16:12

I suspect in MN terms he is building up his escape fund so he can leave someone who wants to control the pittance he is keeping after he contributes 40% to a pot where his income is 25%. Maybe he is still paying off a debt. Maybe he doesn't want you to know because you are too controlling. At the end of the day you aren't happy. Are you happy enough to put up with it or unhappy enough to ask him to leave?

Alwaysforgiving · 24/02/2022 16:14

@SeasonFinale

I suspect in MN terms he is building up his escape fund so he can leave someone who wants to control the pittance he is keeping after he contributes 40% to a pot where his income is 25%. Maybe he is still paying off a debt. Maybe he doesn't want you to know because you are too controlling. At the end of the day you aren't happy. Are you happy enough to put up with it or unhappy enough to ask him to leave?
But that hasn't been the case for the past 4 years? I only started making 3x his salary a couple of.months ago. Before that, (apart from a brief period) we were on a similar salary (net salary he even made more than me).
OP posts:
SeasonFinale · 24/02/2022 16:24

Yes but the issue is you are trying to financially control him. If a woman was posting here on MN we would be telling her not to give all access to her controlling DH and to protect herself ! And to LTB

PearPickingPorky · 24/02/2022 16:26

@Alwaysforgiving

I've just done the math, and from the 30 months I've been able to keep track of things, he's paid on average £827pcm. His average salary PCM has been of £1650pcm (including pension contribution). If we deduct his CM payment, that takes it to £1450... Which leaves in average (over the past 30 months) £623PCM for him to spend in his bank account.
Are these net or gross figures?

You must get over 3500k net a month.

He must get 1300 net. Less 200 CM.