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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:
Onlinetherapist · 03/03/2022 13:49

I’m self employed and my partner is employed. We do my accounts together, he is privy to all that I earn and everything is shared. That’s what works for us. Could you get more involved, especially given that he finds it difficult?

balalake · 03/03/2022 13:49

@CafeNervosa given the energy price and other price increases, whilst I share your sentiment, it may not be just about saving and adventures.

TravellingFrom · 03/03/2022 13:51

NOt suer if that helps but as a self employed person I totally get what he means with needing to keep some money for the business.
So for example, there is always about £1500 on the account i use for business. That's because I need that money in case I am not working (holidays, being ill etc...). I know it can look like a lot but it also helps me feel less worried if I am taking time off.

I have also done some investments for the business. I know again DH would see that as an extravagence but then he also has no idea of the costs involved either.

What I have notived is that he ends up in overdraft and THAT is an issue. That's not his business (I am assuming he has separate accounts right?), thats about his spending iyswim.

Re ther way he is managing his business, I would stay way way clear. You can certainly ask him what his last HRMC revenue was (He will have filed that a few months ago). But asking him to sit doen for you to scroll through his business expenses and tell him what he can or cant do, what is OK or not OK is treating him like a child, a naughty one at that. Unless you have an extensive knowledge of his are, how to run a business etc... However, you can ask him to review his account with an accountant (does he have one?) and see if there are areas that he can improve, management wise.

godmum56 · 03/03/2022 13:51

@CafeNervosa

What a find tricky is that when we talk about earnings he says that we’re ok. And we are. We have a nice house and the children have what they need. I’d just like a bit more money to save and go on adventures with!
"OK" is not enough in a partnership.....imagine if you were business partners and all he would say about the business income was "We're ok"
CafeNervosa · 03/03/2022 13:51

@balalake yeh, all fine until the roof starts leaking I suppose.

OP posts:
MooseBeTimeForSnow · 03/03/2022 13:53

Is the house in joint names? Did you take any steps to protect your deposit?

TheRealityCheque · 03/03/2022 13:53

Man earns more than woman:

Man need to pay more to joint finances to ensure both have the same 'personal money' left other or man is financial abusive.

Woman earns more than man:
They should pay the same amount into joint finances and he should haveess personal money. He's her partner, she's not financially responsible for him.

This place is so unbelievably sexist, it's unreal.

Tiredtiredtired100 · 03/03/2022 13:55

So you’re basically paying for everything. £450 a month is a joke. That’s less than student rent and if he’s not compensating for that with childcare (meaning he works fewer hours) then it’s wrong. If he wants the same expendable income as you then he needs to earn more. It sounds like you would choose to use some of your expendable income on holidays and things, which would of course include and benefit him, but he doesn’t get to have the same pocket money as you when he’s apparently earning pennies and not doing anything about it. FWIW I know student parents who pay more than that into the family finances.

BiddyPop · 03/03/2022 13:56

@TheRealityCheque not everyone is saying OP needs more personal money - just that OP needs a fair amount of personal money (and not loads LESS than her OH because he has set it up so they "have the same" but on a different basis - as he is only spending on himself whereas she is paying for a lot of household items from hers).

LittleOwl153 · 03/03/2022 13:57

He willl have done last years tax accounts within the last 2 months. He will be close to knowing what this years picture will look like (in about 28 days time). If he keeps meticulous records he should be able to sit down with those 2 years and work out what on average his tax bill is and his business costs are to rough % of earnings. He should then be able to work out a resonable monthly draw down (even if that leaves a bit at the end of the year for unexpecteds) If he can't - his accountant can!

I'd expect that information from him so that you can agree what amount he should be able to contribute each month.

He should be earning a minimum of £13896 (minimum wage for 30 hours a week) on which his tax would be less than £1k.

If he is not it is not worth his time...

(on next years nmw it would be £14820 less around £1k tax/NI)

Bakingdiva · 03/03/2022 13:58

On the tax issue, if he is only earning £10k a year profits, then that is below his personal allowance (currently £12,570) and there is no tax to pay (assuming this is his only income). There will be a small amount of NIC's but these should be paid regularly, so the excuse about needing to reserve money for a big tax bill at the end of the year just isn't true.

Or if it is then he's earning more than he's letting on.

LittleOwl153 · 03/03/2022 13:59

Ask him to show you his last tax return. If he wont then he is hiding spending and is absolutely taking the piss.

Rachie20 · 03/03/2022 13:59

We operate the same basic system as you but then put other spends e.g. school shoes, meal out, in a note book and charge each other half. We square up every month and neither of us would make a big purchase without prior agreement. Has worked well for 20 years and through changes in income and who is the higher earner. Neither of us feels “used”.

anniegun · 03/03/2022 13:59

As the higher earner why not up your hours to FT and let him take on most of the childcare? That will bring more money into the household for the two of you

usernamealreadytaken · 03/03/2022 13:59

Haven't RTFT but agree with @zurala - if this situation was reversed we'd all be supporting mum who is working, doing more of the housework etc and we'd be saying her partner is unreasonable for expecting her to contribute more money to the household so he could have more holidays and nice things. Funny old world.

FindingMeno · 03/03/2022 14:02

I'm suspecting he's in debt which would explain his anxiety and secrecy around money.
Tell him enough is enough, you need to sit down together and work out a way forward as a team.

Oblomov22 · 03/03/2022 14:03

I completely disagree with BillMasen. It's easy enough to work out.

Trisolaris · 03/03/2022 14:04

@CafeNervosa

What a find tricky is that when we talk about earnings he says that we’re ok. And we are. We have a nice house and the children have what they need. I’d just like a bit more money to save and go on adventures with!
You are only ok because of you OP. His contribution is not enough to support half a family. Was it ever an agreement for him to be part time or a SAHD? Because if not then the minimum I would expect from a partner is full time minimum wage salary available for the household. I would say the same for a woman, both need to agree for someone to go part time or stay home. He needs to step up.
AllOfUsAreDead · 03/03/2022 14:04

@Userg1234

Wow so reverse this and you be the husband. It is unreasonable to demand he earns more, between you have a very good income, yours alone is above average. So in this yabu

Your real problems are the fact that he is not honest about his earning. That is a separate issue, which I would not be happy with. So overall yanu

Difference is he very obviously has hidden debt his partner doesn't know about. As someone else said, he doesn't have a job he has a hobby and clearly one he isn't actually good at or he wouldn't be in debt.

He needs a proper job to at the very least pay off his debts. Then he needs proper help to get his hobby into a sustainable business.

HollowTalk · 03/03/2022 14:04

It sounds as though his job is more of a hobby if he can only pay £100 a week towards the family. You will get a lot of resistance from him but I think he should look for a full-time job and start acting like an adult.

Mummyoflittledragon · 03/03/2022 14:04

@TheRealityCheque

Man earns more than woman:

Man need to pay more to joint finances to ensure both have the same 'personal money' left other or man is financial abusive.

Woman earns more than man:
They should pay the same amount into joint finances and he should haveess personal money. He's her partner, she's not financially responsible for him.

This place is so unbelievably sexist, it's unreal.

Not many people have said this at all. Many have talked about the viability of his business. Op has mentioned points, which means the viability needs to be weighed against his being available for the dc if necessary. If anything, op is being left with less spends every month than her below minimum wage earning partner. That is decidedly not fair.
Pluvia · 03/03/2022 14:07

He has a hobby-job, not a career. How on earth does he have the gall to contribute only £450pm? £450 is what you pay round here for a flat share, with all your other bills on top. I used to work with 'creatives' and it's very familiar. People who kid themselves they are running their own business, which justifies spending most of their earnings on equipment and supplies. Usually someone in the background paying their bills so they can survive.

Once adults have children they can't afford this unless the other parent is prepared to become the main breadwinner. If you want to stay together you need to accept that he's never going to be able to support you and the children financially, OP. You need to go full-time and work your way up the ladder and he has to earn his keep by looking after the children. He can do his hobby-job while the children are at school

How about chucking him out for a while, so he learns what it costs to live independently?

Oblomov22 · 03/03/2022 14:09

He's meticulous and works out his tax. What tax? What tax is he paying, on what profits, if he's only bringing home £450 per month, £5400 total. I call bullshit.

Phineyj · 03/03/2022 14:16

I would feel the same about a (more typical) situation with the gender roles reversed if the man was the higher earner and the woman wasn't pulling her weight in earnings terms OR in childcare terms and planning ahead.

It is tedious to be in one of these parent child relationships where one partner has to do all the financial adulting, whether you're a man, woman or whatever.

I'd look at earning more yourself OP and separating your finances from his as much as you can.

There's a reason there's a lot of 20-somethings in creative professions.

Phineyj · 03/03/2022 14:17

Hmm, yes, maybe take his alleged figures to an accountant yourself, OP.

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