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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Husband loaning me money and expecting gratitude..

290 replies

Lindasllama · 13/07/2022 16:16

Big row with H (not at DH atm !)

At the end of last month I mentioned I had just had my car cleaned.and noticed a few scratches on it. H said take it to Johns garage and he will sort it out. I said ok I will get a quote and go from there.

'John' is a good friend of DH . Two days later he tells me he has had a word and to take the car to the garage. Where one of the panel beaters would have a look at it and tell me how much.

I arrived at the garage meeting DH there and the panel beater had a look at the door and said £200.. I said there is also a scratch on the wheel arch .. he quoted £250. I thanked him and said I would be in touch soon as it's not in the budget this month but could possibly be next month depending upon increased bill costs.

DH joins the conversation and says 'what about this one on the boot and a couple on the passenger side . (These scratches are v minor the sort of thing you get around my way when you pull in next to a hedge on a small lane to let a car pass you.. ) really superficial - nothing that's going to cause rust etc .

I say to DH that it's not in my budget to have it all done as I can't afford it and there are many more bills and expenses ahead of polishing my car.

DH says 'don't worry about the money' just get it done. He then asks the panel beater how much for the whole thing ? I interrupt him and say 'it's not doable at the moment I'll do it but by bit when I can afford it. I need to get to work now ' Again DH says 'don't worry about the money just do it'

I jump in the car and drive to work. 5 minutes into he journey DH rings and says 'just text 'John' and say you want the whole lot done I will sort out the money. I say thank you. Text and book it in.

Yesterday I went to pick it up. The price was £350. DH gives me the cash and asks when am I going to get this back ? You need to tell me the repayment plan. I am furious as I didn't want it done now as I can't afford it. !! I am so hacked off with him. He is fuming with me because I am ungrateful..' I did a nice thing for you - I know how much you love your car - you are so rude and ungrateful !

I tell him I have nothing to be grateful for. If he had paid as an act of generosity then absolutely ! Extremely grateful. But in my eyes he has simply moved a debt from the garage on to me for something I didn't want to do now. I couldn't afford the work when it was £250 let alone £350 I only agreed to do it because he was so insistent. !!

Some important information. We have not only separate finances but also live in separate houses. We are 12 years married and in separate homes for the last few years. It may sound strange but works for us. We stay with each other 3-4 nights a week.

DH has always been very secretive with money . I also now think he was just showing off in front of his mates . Looking to be the benevolent husband paying for his wife's car..

AIBU to be really angry to have a debt I had already said I couldn't afford foisted up me

Or am I an ungrateful cow who now has a lovely shiny car but may not be able to pay all my bills next month .- which is my fault for not nailing him down at the time and getting 'don't worry about the money' clarified from the start. ?

OP posts:
RustyShackleford3 · 13/07/2022 23:07

I wouldn't even entertain this. Just tell him that it wasn't a loan, end of story. He can't "force" you to pay him back.

If he gets stroppy then it's his own problem. He wanted to be Mr Big Man looking after his Little Lady in front of his mates, so now he has to face the consequences.

Lindasllama · 13/07/2022 23:08

Babyroobs · 13/07/2022 22:53

At least after this big row you can both go off to your separate houses.

Absolutely! and what great night to have my bedtime myself ! No other body getting all hot and sticky next to me... I can 'starfish' all night. Bliss !

For all those who think you can't have a marriage without living together.. how about the thousands whose DH works away all week ? Those who are military wives. Are their marriages 'invalid' ? I am quite insulted people would judge my marriage on their narrow idea of the word.

OP posts:
RandomMess · 13/07/2022 23:08

Glad it was resolved by him putting his hands in his pockets. A very expensive brag!

I'd love to live separately, only it would be the DC with DH and me on my own 🤣

RustyShackleford3 · 13/07/2022 23:08

Wow, it took me so long to write my response that I X posted with you!

Luredbyapomegranate · 13/07/2022 23:14

StrychnineInTheSandwiches · 13/07/2022 16:19

I agree with you that he was showing off in front of his buddies. Billy Big Bollocks trying to impress the mechanics by joining in on the car convo and also being seen to take care of his little lady.

Tell him he'll get the money when you can comfortably give him the money. And to stop boring you about it in the meantime.

Your living situation sounds great by the way.

This exactly.

Make a joke of it - this is what you get for showing off in front of your mate saying you’d pay for it.

And listen to not one more word from him.

Where are you going to live when you retire if you don’t own anywhere??

SRS29 · 13/07/2022 23:17

Wow this is so fucking weird....like some kind of cult thing that the OP may realise she was part of 10 years later 'we're so happy' 😂🙄

Imjustdone · 13/07/2022 23:23

@Lindasllama your marriage sounds like my ideal marriage! I'm sure more marriages would survive if we weren't all expected to live under each others feet!

Having my own space is so very important to me and the thought of someone coming into invade it petrifies me! I'm glad to read someone in this situation who is happy. Gives me hope thank you.

Hollywolly1 · 13/07/2022 23:28

Like when your married is that not like robbing peter to pay Paul,surely its the one pot at the end of the day

LovelyYellowLabrador · 13/07/2022 23:30

divorce and take half

LovelyYellowLabrador · 13/07/2022 23:33

Also he could be upto his eyeballs in debt for all you know and legally that’s your problem too

ArrrMeHearties · 13/07/2022 23:39

Don't give him a penny back. You told him you couldn't afford it and in essence he said fuck you and commissioned the work anyway therefore he is the one who pays (well has paid) and bears the cost. Does he have any redeeming features at all?

WiddlinDiddlin · 14/07/2022 00:06

Glad he's realised he's been a bit of a dick OP !

coffeecupsandfairylights · 14/07/2022 06:19

For all those who think you can't have a marriage without living together.. how about the thousands whose DH works away all week ? Those who are military wives. Are their marriages 'invalid' ? I am quite insulted people would judge my marriage on their narrow idea of the word.

It's not the living apart most people are finding bizarre.

It's the fact that everything is so separate - to the point that he benefits from an owned
property, zero responsibility and apparently a decent amount of savings, whereas you have no mortgage or owned property, have rent to pay each month as well as all the responsibility of DC, and are struggling to pay for car repairs.

It just doesn't seem very balanced or fair for you 🤷🏻‍♀️

Ddot · 14/07/2022 07:04

Friend has been seeing the same bloke for 28years, live apart, strange but true

PutinIsAWarCriminal · 14/07/2022 07:30

Its a shame that pp can't be more open minded about how people choose to live their lives. Good for you op for being brave enough to live a lifestyle that suits you and your family.

TheOrigRights · 14/07/2022 08:04

PutinIsAWarCriminal · 14/07/2022 07:30

Its a shame that pp can't be more open minded about how people choose to live their lives. Good for you op for being brave enough to live a lifestyle that suits you and your family.

Oh I think most people are pretty open minded about a married couple living apart, it's the financial situation which is not healthy.
Her husband being a financial arse is nothing to do with how they live. He's 'lending' her money to get her car repaired and as if that wasn't bad enough he then asked for a payment plan to pay it back.

Topseyt123 · 14/07/2022 08:23

Lindasllama · 13/07/2022 23:08

Absolutely! and what great night to have my bedtime myself ! No other body getting all hot and sticky next to me... I can 'starfish' all night. Bliss !

For all those who think you can't have a marriage without living together.. how about the thousands whose DH works away all week ? Those who are military wives. Are their marriages 'invalid' ? I am quite insulted people would judge my marriage on their narrow idea of the word.

Well, I think your living arrangements sound excellent. Sometimes I could be jealous of you. 🤣

This man virtually forced the repair of your car on you and insisted you shouldn't worry about the money. To me that would mean that he was paying for it and I would not give him any repayment plan. He could whistle for that.

Thank him for paying for it for you and just ignore any protests or stropping. It is the foolish arse's own fault for showing off and trying to flash the cash in front of his mate.

adriftabroad · 14/07/2022 08:58

LovelyYellowLabrador · 13/07/2022 23:33

Also he could be upto his eyeballs in debt for all you know and legally that’s your problem too

This is why I am getting divorced. My husband is so secretive about his so called assets. His tax/pension. It[s all overseas.

I am not being stuck with that mess. Now DD is an age where she can be listened to about who she wants to live with (in court) I am definitely out of it.

We also live apart, this is not the problem. The financial abuse (I do not get a big enough allowance to look after DD properly and have had to take out a loan, for example, to buy her a phone, go to the dentist) that is the problem.

But as @LovelyYellowLabrador says, you will be responsible for any odd decisions he makes over finances/any debts.

I hope his moral compass is not usually so off kilter, as it was with John. THAT is what would keep me awake at night. THAT is why I am getting divorced. I can trust myself, not a secretive man.

adriftabroad · 14/07/2022 09:00

... A secretive man I am legally, financially tied to.

Hoppinggreen · 14/07/2022 09:17

I think OPs living arrangements are her business and in some ways sound quite nice.
However, when she says that her H is secretive about money and doesn’t live with her because he’s a big sulky baby it doesn’t sound great
No idea why she married him instead of just being in a relationship and not having the legal ties

GabriellaMontez · 14/07/2022 09:56

The house he lives in is owned by him? But you call it 'ours'? Have I got this right?

It's just that you say he's secretive... for all you know he's remortgaged it.

I'm glad your unusual situation works and he's acknowledged that he wouldn't like it to get back to John...!

Lindasllama · 14/07/2022 11:57

What I can't get my head around is why so many people are screaming ' divorce the bastard' because he doesn't share his money with me.. (especially with me 'bringing up a child' )

It's completely bizarre.. he lives in a different house. A house with a mortgage that I have a 50/50 ownership of. He pays the mortgage. He pays HIs bills .

I chose to live separately. I choose to rent. (If you saw my house you would understand why) . The 'child' is 21 !! And not his child.

A pp says she is divorcing her DH because he was the 'same as mine' ..stingy with her allowance...let me make something abundantly clear

I DONT NEED A BLOODY ALLOWANCE !! I DO NOT WANT HIS MONEY OR IMPORTANTLY. - NEED IT !!

In the same way that DH doesn't share with me - I equally don't share with him !

He is secretive with money . However as I neither want nor need his money due to my financial independence.. it's annoying but otherwise unimportant.

It seems the inference on here is that DH should 'share' his money with me . When in fact you mean he should give me some of his.. because I must be a poor little woman who can't finance herself .

You could t be further away from the truth. I am a saver and a budgeter. I could have paid for my own car from my savings. However I set myself a monthly budget in order to have savings to put away. I had budgeted £250 for the car next month or possibly august depending on rising living costs. I was just angry at being bounced into a cost that I had said three times was not in this months budget.

DH is not mean with money. He is just secretive. It's very different. When we go out it is invariably him that pays unless it's his birthday or a specific celebration for him. He is generators to all 7 kids on birthdays/Christmas.
He buys me flowers every time he comes over (twice a week on average ) and never appears without something nice for supper or a pudding.. so for all of you who have an image of a miser sitting in his home counting his gold.. with poor little me and 'child' surviving on breadcrumbs.. you really have read this wrong !

For all I know - I m wealthier than him. ! As for the poor 'child' - she survives quite well. She works 2 p/t jobs in the Uni holidays, has a financially solvent mother, a doting dad and a generous step father. She lives the life of Riley !

OP posts:
Awombaweh · 14/07/2022 12:04

He still sounds like an arse who wanted to look good in front of his pal on your behalf. Even if he said he is sorry now (that he has seen this thread) that says pretty much what he is really like. But all happy and good, so that’s that then.

Lindasllama · 14/07/2022 12:07

GabriellaMontez · 14/07/2022 09:56

The house he lives in is owned by him? But you call it 'ours'? Have I got this right?

It's just that you say he's secretive... for all you know he's remortgaged it.

I'm glad your unusual situation works and he's acknowledged that he wouldn't like it to get back to John...!

No he hasn't remortgaged our flat !!
We are married.
The mortgage is in joint names.
Just because we spend a few nights a part each week and have had a row about a loan/gift. Doesn't make him Bernie fucking Madoff. !

I do all the post at both homes so pretty sure I might have been asked to sign something if he was going to try and remortgage without me .

OP posts:
ReneBumsWombats · 14/07/2022 12:08

What I can't get my head around is why so many people are screaming ' divorce the bastard' because he doesn't share his money with me.. (especially with me 'bringing up a child' )It's completely bizarre.. he lives in a different house. A house with a mortgage that I have a 50/50 ownership of. He pays the mortgage. He pays HIs bills .

Your situation is what's bizarre.

Marriage is a financial contract designed to facilitate the running of a home. Something is really off when you make a contract like that, but split homes and make a secret out of your money. It literally defeats the object. Why bother getting married if you're offended at the idea of sharing money and don't want your spouse to know about it?

You say it works for you but it clearly doesn't when you're on here asking for advice because your husband, father of your children, can't cope with living with his family, won't tell you about money (how do you know he's not being mean with it or how much richer you are if you don't know how much he's got?) and puts on weird displays of faux generosity to look good in front of the mechanics while fucking you over and demanding a repayment plan from you, his wife, who lives separately to him with the kids. With separate, secretive finances.

The few things you mention, like making a bit of effort for dinner or flowers or whatever aren't shining examples of his towering generosity and wonderfulness. They're minor, bog standard bits of decency that seem so amazing only because they're occurring in such a weird setup.