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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to want my OH to earn more money?

350 replies

CafeNervosa · 03/03/2022 11:27

AIBU?

I’ve been with my partner for 8 years (not married). We have two children, 1 and 4. And a mortgage. He is a great dad (and I mean this - much more present, sensitive) and does at least 50% of the housework, if not more.

But, I’m getting increasingly angry and frustrated at our finances and how id like more money for holidays and to save!

I work 30 hours a week in a professional job that earns a £32k salary. He is self-employed in a creative role, and I’m never exactly sure how much he earns a month/year because “it’s not that simple” and it also fluctuates quite a bit… and he needs to keep money in the business for expenses, tax etc so his clear take home income is not that transparent. And it’s difficult for me to challenge big purchases when he says they’re needed for my business.

His parents have always been terrible at managing money and as such he has huge anxiety about talking about money.

When we bought our house i got him to agree to a joint account, and we agreed to work out how much our bills and reasonable other spending would be, and split it in proportion to our earnings. And keep the rest in our own accounts. I agreed to do this on his worst case scenario month. Basically I paid 2/3 and he paid 1/3.

Then he got frustrated that he had v little disposable income, and I agreed (in a v stressful emotional conversation) to splitting it so that we instead have the same amount of disposable income each left. So I now pay more than 2x what he pays - so I pay £1250 a month, and he pays £450.

This is never really enough to pay for incidental stuff though, like Xmas and birthdays and new shoes for the children, new furniture for the house etc so I normally pay for these out of my own leftover money.

I’m getting increasingly frustrated that:
a) I’ve trained to be in a seemingly well-paid job but can’t really afford luxuries or to save anything for a holiday or the future, because he doesn’t earn enough money. Am I unreasonable that I want him to be a better business person and earn more money, even though he’s very good at what he does?
b) that he won’t be really transparent with me about his financial situation - for example, I paid off his overdraft when I came into some money that I later used for our house deposit, and then we went on a uk holiday and he went substantially back into his overdraft on the basis that I’d said it would be nice to go for lunch and other things, without knowing that would be the outcome, because he can’t talk about it because it stresses him out so much. If I’d known we could have changed to cheaper plans.

Does anyone have any advice about how I can help us be more organised and transparent with our finances so we can be more in control - especially with someone who has an anxious history with money? I’m never quite sure if it’s that we don’t have enough money or if it feels out of my control?

OP posts:
stuntbubbles · 03/03/2022 22:07

I was freelance and a low earner for years but it’s still not a vague amount or something unplannable for: you still need to do accounts and keep track of in/out, the balance; what you need for the business and what’s your take-home. His low earnings aren’t the problem (though they might be), it’s the being crap and vague and disorganised and not knowing that’s the issue

Briony123 · 03/03/2022 23:31

If I wanted more money I'd work full time before moaning about my partner.

RewildingAmbridge · 04/03/2022 05:38

My husband earns a bit less than me, there have been times where he earned a lot less than me. When we first moved in together he was very defensive about money, he'd not made some good choices in the past (defaulting a credit card with only a few hundred pounds on it) and it used to cause arguments, not because of what he earned but his reaction when I tried to talk about money, refusal to discuss our disclose what he was earning and where it was going when I was covering a much larger proportion of bills. Over time he was able to share that money was a source of arguments between his parents, they have always and continue to make bizarre financial decisions that cost them more unnecessarily (although earn well now so doesn't get them into debt). He didn't know how to talk about money without a feeling I was trying to get at him or anxiety that it would cause a row. When he realised I wasn't, have a much healthier attitude to money and was just trying to make sure everything was covered and we were saving for the future, he relaxed a lot, particularly when he saw the savings start to mount up and the trips we could take on top of that. This was many years ago. We now have a chat about money every pay day, have a spreadsheet that amounts for outgoings and various savings pots and includes longer term goals. He's much better with money now it's been so many years of this approach. He still fritters a little more than I would, but I'm a saver by nature, we also have a personal spends set up so this doesn't bother me. He's also worked hard, retrained, changed careers and chased promotions, hence he earns much closer to me now. When we were young he drifted a bit with self employed work he wasn't motivated to pursue.

BarbaraofSeville · 04/03/2022 06:48

The important factors are how much he earns for the time he puts in and how much he spends on himself vs how much he contributes to the household.

If he's not earning at least around 25% above NMW (because he'd get holidays and sick pay) for the hours he works, then it's not a viable business and he needs to make it one, or close it and get an employed job. OP, he's not the one that spends all his time playing with chainsaws and buying new trucks while masquerading as a tree surgeon that's been posted about a year or two ago is he?

Then the amount he's spending on himself needs to be reasonable and affordable. If he's only paying £450 pm into the household pot, he can't be keeping hundreds back and spending loads on personal non essentials, coffees and lunches, nice tech etc. That comes after all the joint household costs are paid.

Zonder · 04/03/2022 07:35

If he still insists that he can only pay £450 a month then you need to explain that with two children he can't afford to float around doing the job he is doing but needs to get a proper job that pays better.

whiteworldgettingwhiter · 04/03/2022 07:58

It certainly is simple to find out how much he earns and how much he spends on outgoings for his business - doesn't he fill in a tax return??? I'd ask to see his latest tax return.

It's not fair for him to be faffing in a fun job that doesn't earn enough to support himself and his family. It's not fair for you to be subsiding him.

And it's definitely not fair for him not to be transparent about money and tell you exactly how much he earns!

BowerOfBramble · 04/03/2022 09:45

Good luck OP! It won’t be easy but hopefully he can overcome his shame(?) about money to enable you both to plan better.

Landedonfeet · 04/03/2022 10:44

@whiteworldgettingwhiter

It certainly is simple to find out how much he earns and how much he spends on outgoings for his business - doesn't he fill in a tax return??? I'd ask to see his latest tax return.

It's not fair for him to be faffing in a fun job that doesn't earn enough to support himself and his family. It's not fair for you to be subsiding him.

And it's definitely not fair for him not to be transparent about money and tell you exactly how much he earns!

The OP has steadfastly refused to respond to the multiple suggestions that tax return will confirm situation.
Snoozer11 · 04/03/2022 10:47

I find people with a lack of ambition really unattractive, and that would be my main issue here.

If he was studying or trying to get a job where there was potential for progression but only earning minimum wage, then I wouldn't have a problem.

If he was in a job because it was "easy" and gave him a lifestyle he enjoys but earns next to nothing, then no.

Bellringer · 04/03/2022 11:46

It doesn't matter which system you use as long as it's fair. The issue is honesty and cooperation. Ours has gone from paying only bills to nearly everything from the kitty as trust built up. We don't include alcohol or large personal items but it's easy. Have a limit for maximum spend without consultation and keep an eye on it till it's clockwork

istandwithukraine · 04/03/2022 12:11

I work 30 hours a week in a professional job that earns a £32k salary.

That's not actually that much really sorry....it's only a little above the national average isn't it so I wouldn't say it's a "well paid" job given that you've said you've trained for it? given this I think you have to scale back your expectations on what luxuries are even affordable. Most families with 2 children even if they both earnt the same as you would struggle to pay for holidays etc on a regular basis

CafeNervosa · 04/03/2022 12:25

@Landedonfeet I didn’t know I was being steadfast. I asked him yesterday what his turnover was for last year and he told me.

OP posts:
CafeNervosa · 04/03/2022 12:30

@Landedonfeet I took everyone’s comments on board and acted on them. There were lots, for which I’m grateful, but made it difficult to respond to all.

OP posts:
CafeNervosa · 04/03/2022 12:33

@istandwithukraine this is interesting. So pro rata I’m on £40k, I’m 34 and have had two maternity leave periods. It’s tricky to know whether what you’re earning compared to other people is good or fair or not. When I see other people going on skiing holidays etc I assume they probably have salaries similar to mine, but perhaps everyone is earning a lot more than I thought.

OP posts:
CafeNervosa · 04/03/2022 12:34

@BowerOfBramble thank you - I like you Smile

OP posts:
CafeNervosa · 04/03/2022 12:36

@RewildingAmbridge thank you for your post. This sounds familiar and is what I’m aiming for.

Full respect for your username btw.

OP posts:
Landedonfeet · 04/03/2022 12:37

[quote CafeNervosa]@Landedonfeet I didn’t know I was being steadfast. I asked him yesterday what his turnover was for last year and he told me.[/quote]
What a happy end
To a rather dramatic OP
Looks like all done and dusted
Now you have the screen shots
And a new approach to “organisation”
Good luck!

istandwithukraine · 04/03/2022 12:38

@CafeNervosa

It's hard to say without knowing what your job actually is

Put it this way....I earn around £60k per year....my husband £20k. We have 3 young children - 1 in school and the others are twins in full time childcare (admittedly a childminder which is a lot cheaper than nursery)

We have a 6 year old family car. Our house is mortgaged but not flashy and not in a flashy area.

We can't afford holidays....or a second car. We don't have sky etc. We need a new sofa and a new bed but can't afford them. We have no savings. Every penny I have to budget for. We are by no means "poor" (whatever that means these days) but we certainly couldn't afford skiing or meals out. A chip shop dinner is a rare treat (at £17k these days couldn't do that very often either!)

RandomMess · 04/03/2022 12:50

Your salary is decent for working part time.

We each earn around £30k full time and have teenagers now, we have never taken them abroad! I was SAHM when they were young then we focused on getting our large mortgage down and them having hobbies/activities. In fact we have had only had a handful of weekends away/weeks away. Paid for all our childcare and only ran one car.

GabriellaMontez · 04/03/2022 12:59

£450 a month? OMG.

Presumably he is also able to put many expenses through his business? Eg phone? Laptop? So he doesn't have to pay these from his personal allowance? What else goes through his expenses? That you would have to pay for from your personal money.

InaccurateDream · 04/03/2022 13:21

Don't worry about your salary on top of everything else. I'd earn 35k if fulltime but I work 25 hours so considerably less. It's still decent earning power compared to what a lot earn (just not on mumsnet). And a lot more than your husband!

Agree he needs to consider being employed if he can't make self-employment work. He might find it a lot less stressful, too.

CafeNervosa · 04/03/2022 13:43

@Landedonfeet why are you being unkind? Have I offended you?

OP posts:
Landedonfeet · 04/03/2022 13:54

Not unkind
Frustrated
You start off a thread about genuine worry and frustration and your partner being very cagey
You ignore explicit advice to SEE his tax return. A completely reasonable request from a partner
And within hours you say that it’s just a question of organisation and shared responsibility

It’s baffling

CafeNervosa · 04/03/2022 14:13

@Landedonfeet I didn’t ignore the advice? It’s been less than 24 hours. I’ve already had two discussions with him, we’ve set up two new pots for specific savings in our joint account, he’s told me his turnover, we’ve agreed to review how much we contribute to the joint account and whether the total is enough, and we’ve agreed to have a chat on Thursdays every week to discuss upcoming spending for the week.

I will ask to review his tax returns. I’m not stupid. It’s because I’m not stupid that I haven’t gone in full metal to someone who is anxious and cagey about money.

I’m trying to work through with him our spending and using it as a way to get him to realise he needs to contribute more. Or if he already realises, to prove it.

But anyway, I’m sorry you’re frustrated. Maybe you should review the emotional investment you put into other people’s problems if you’re not able to volunteer advice without demanding outcome that is satisfactory to you.

OP posts:
Landedonfeet · 04/03/2022 14:24

What did he say when you asked to review his tax returns? Deadline come and gone so he should have this at his fingertips