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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Should all be 50--50 ? Is this fair ?

174 replies

financesplitting · 25/07/2022 17:40

So I'll try to be a bit precise but also a bit vague, as to not be too outing.

My husband and I own all major assets 50-50. We've always put down the exact same amount of deposits on our house and flat / cars etc.

I used to make more money than my husband for a while, but he's overtaken me and I'm also currently on maternity leave, so my pay packet is a smaller than usual, as I don't get commission, just my base salary.

The situation is as follows- I feel like I pay for a lot of our day to day expenses- all food shopping pretty much, nappies, children's clothes, take aways usually, all cleaning stuff.

My husband tends to pay for stuff like tools and kitchen pans occasionally, that kind of stuff.

We pay our mortgage and bills completely 50-50.

We've recently had some work done at our house and he paid quite a bit for that, plus bought some large items like a TV. I also paid for some big stuff, but he paid a bit more than me.

I also pay all of my son's nursery fees since January.

Whenever I bring up that I feel like I pay more stuff than him day to day, he says he also pays for a lot of stuff.

But the fact remains that he's making double what I am making on maternity and I have basically no savings as I spent most of it on the house and I'm unable to save much now due to me paying mortgage, car, nursery fees and basically all food and cleaning. Plus cleaner and Gardner ! I forgot to mention that I pay those too.

I feel like if I bring it up, he'll just count all the extra big ticket items he bought for the house that we didn't split. Is that fair ? Maybe it is .

OP posts:
financesplitting · 26/07/2022 12:30

LittleOwl153 · 26/07/2022 12:21

OK here's a plan for you:

  1. Move the childcare bill, and any other regularly paid bill onto the current joint account. Work out what needs to be paid in and split it fairly. (To me this would be on percentage of earnings that month - so you earn £200 he earns £800 that money then you pay 20% he pays 80%)
  1. Set up a second joint account (so that spending on it doesn't interfere with the mortgage getting paid) estimate a figure for food, TV replacement, carpet or whatever else has been bought in the last 3/6 months and both pay into that. All household/ baby/ todder/ food etc costs then come out of that. When it runs out you either agree to top it up fairly or stop spending that month. That should even out the finances AND allow you to recoup some savings. (I would also expect him to transfer half of nursery costs paid so far back to you).
  1. Look at the household chores, the childcare, his working hours and balance things up. Add up how much time you spend in a week actively doing something with or for the kids, how much on household chores etc. You need to be careful with this to reflect the truth whilst making it believable to him. So e.g. if toddler is at nursery and baby is having a nap and you spend 15 mins chatting to a friend I wouldn't count this (there is an argument to count it as you are still responsible for baby), but if instead you spend that 15 mins putting on a wash etc then of course it counts as household time. When you have this figure, alongside his working+commuting time then you need to balance. He can take his share himself or HE can pay to outsource - his choice but not your responsibility to pay (not a joint expense - especially if he insisted on 50/50 for joint accounts).

tbh though, the fact that you are here, that you have been posting for some time and your mum is trying to protect you says you should probably be looking to get out, rather than balancing with this 'great lord manchild'.

Sounds like a good plan.

I feel like I've essentially been trying to ' pay back ' the money he spent more than I did on house items. I paid probably about 15k whereas he spent around 28kish.

I think he thinks I am ' paying him back ' by paying all the nursery fees, all our food and everything else basically. I've always paid for these things anyway.

OP posts:
Maddogsandtoplessenglishmen · 26/07/2022 12:44

financesplitting · 26/07/2022 11:22

@coodawoodashooda sorry to hear that.

He never shouts or anything really. But he always manages to turn everything around to make it my fault / short coming or having done something wrong / made the wrong decisions - apparently I make a lot of wrong decisions according to him !

I'm not sure where to go from here. He's not happy either. It's a battle ground, we argue all the time. He hates his life, because I make it difficult for him by not having everything ready for him / keeping the house like he would like etc. and also complaining that he doesn't spend enough time with us and that I'm on my own with the children a lot. Apparently that's the price you have to pay for success, he says. He also often says that to be successful, men need wives and children that basically leave them to focus on what they need to do career wise. Apparently I am not one of those wives and that makes his life difficult.

That's the point I made earlier though, he wants a 1950s outlook with the wife at home doing the childcare and cleaning, but he wants a 2020's wife who also pays 50/50 whilst doing so.

He really does want to have his cake and eat it, and he is being an abusive dickhead whilst he is about it.

Threelittlelambs · 26/07/2022 12:51

I’d ask him how he intends to pay for everything so all his own housework and cooking and look after the children 50/50 when you apply for a divorce?

timeisnotaline · 26/07/2022 12:52

financesplitting · 25/07/2022 17:47

He'll just say, but I bought the TV, the coffee table and that's why you're paying the nursery fees.

Unless he wants to buy a new tv and coffee table every week
CHILDCARE FEES ARE JOINT FEES.
i suggest offering to sell the Tv and coffee table again so he feels ok paying for childcare fees becasue what you want is him sharing the daily /weekly cost of the child you have together and his coffee table shite and one off purchase of furniture that can probably be bought much cheaper can get to fuck. You don’t coparent the furniture.

Maddogsandtoplessenglishmen · 26/07/2022 13:06

Threelittlelambs · 26/07/2022 12:51

I’d ask him how he intends to pay for everything so all his own housework and cooking and look after the children 50/50 when you apply for a divorce?

You are totally correct, but I think we also know that this kind of man will never do 50/50 of the childcare if they split and will probably quibble over paying CM as well....

Marvellousmadness · 26/07/2022 13:12

My gosh. What a petty marriage.

Naunet · 26/07/2022 13:14

financesplitting · 26/07/2022 09:15

I'm not minimising the obvious (and, as you say, probably deliberate) injustice of your financial situation, but it sounds as though you have more problems in your relationship than just money. Would you not be better off without him?

I'm feeling pretty resentful now to be honest. I hadn't really realised just how messed up it all was, until my mum pointed it out and I made this thread. I've also been away for a while from him now, to get a break and some perspective and I just can't work out what he brings to my life - other than demands.

He's never happy with what I do at home anyway ! Complains about the food I make him or when I order take aways or get ready meals because I am so tired - he complains about that. He complains about everything really. Nothing I do is good enough in the house. When I point it out, he says it's in my head and he doesn't complain a lot at all. He cannot sort his clothes out to save his life. I refuse to do it for him and then he gets angry when he can't find stuff because he's chucked it all over the place.

I go back and forth in my mind about it all and I just can't work out if I am being a bitch and expecting too much.

Of course I've posted about him/ these things before..

I have tried posting it in a different way too. So describing his working day and hours and asking if more could be expected from him and I got a lot of responses saying that I cannot expect any more from him in terms of ' sharing the load '. That's also why we outsource a lot of things ( which I pay for ).

He has a very time consuming job, so I do pick up more domestic stuff and I outsource because I'm so tired all the time. But say there is no milk or bread or butter or something like that, I get a rant about how we don't live like normal people and how we don't have a real house or household.... I can't work out if I'm just so shit at running a house and just can't handle the demands of a family and husband or if it's really just him. Like I said, I've posted about various issues in various different ways and have sometimes been told I'm unreasonable because I don't provide food for him when he's out at work all day, seeing as I'm at home - why wouldn't I want to help him out ?

I do provide food for him, 9 days out of 10. But sometimes I just don't manage or a takeaway is late and he goes on a rant about how we don't have a normal house and how it's always a battle for him to eat.....

We have a baby, 3 months and a very active toddler. I'm very tired of everything and everyone !

Can you explain why he thinks finances should be 50/50 irrelevant of wages, so will not share the perk of his job, being a higher salary, BUT he doesn’t believe chores around the house should be 50/50 and that you should share the perk of your job, having more free time?

Fuck that, if he wants 50/50 then that includes doing 50% of the chores, irrelevant of his working hours.

Naunet · 26/07/2022 13:17

Oh and ironing HIS shirts is not YOU outsourcing, he is, so he can fucking pay for it.

God, I’m furious on your behalf, I don’t know how you haven’t left him.

coodawoodashooda · 26/07/2022 13:19

Marvellousmadness · 26/07/2022 13:12

My gosh. What a petty marriage.

'My gosh'. Its not petty. Its abusive.

Potentialscroogeincognito · 26/07/2022 13:24

What an absolute cunt.

Maddogsandtoplessenglishmen · 26/07/2022 13:31

Marvellousmadness · 26/07/2022 13:12

My gosh. What a petty marriage.

Abusive, thats the word you are looking for.

Don't minimise abuse by calling it petty.

AhNowTed · 26/07/2022 14:27

"Apparently that's the price you have to pay for success, he says. He also often says that to be successful, men need wives and children that basically leave them to focus on what they need to do career wise. Apparently I am not one of those wives and that makes his life difficult."

This has me really fucking angry. Who does he think he is.

So he's happy for you to be a single parent.

One that's kept short while he has plenty. Who "owes" him.

Who's kept in the dark about money.

Wives and children should be seen and not heard.

It's your life's work to service him.

I fucking hate this absolute c*nt.

AhNowTed · 26/07/2022 14:43

OP this is how it goes in our house.

We've always had separate accounts but it's totally transparent and the money is "ours".

The bills come out of my account and he does all the shopping.

Anything left is "swept" into savings or premium bonds.

He's useless with tech so I do all the online banking stuff.

When the kids were young we juggled everything between us. He did all the cooking and I did the cleaning.

He's just retired early and does the majority of housework. I used to do my share but I've lost interest and outsource as much as possible.

I work long hours because I enjoy it, it's financially rewarding and frankly it's a housework avoidance plan!

I've always earned more than him but that mattered not a jot to either of us.

Sartre · 26/07/2022 14:50

Surely essential costs like nursery fees and DC’s clothing should also be 50:50 if that’s the route you’re taking. It isn’t an even split if one is earning a lot more yet not paying more towards household costs. He should be paying more even if it’s only temporarily until you return to work but irrespective of this, I think nursery fees and clothing should be 50:50 because they’re essential costs for the children you created together.

chopc · 26/07/2022 15:31

I don't understand how marriages like this work. If that's his stance I suggest you cut your maternity leave short/ have shared parental leave and go back to work.

madasawethen · 26/07/2022 16:32

He's being quite greedy and selfish.

You didn't mention what type of work he does but would he be willing to take another job that has regular hours?

InChocolateWeTrust · 26/07/2022 16:46

So does everyone pool have their e tire salary into one account when they get married

No. But we are v high earners and are completely open about where all our money is.

During my mat leaves I paid my 50% of bills into joint account as usual, and I paid most family costs, DH simply put savings in my name from his money. I have access to all his accounts and know what he earns as I do his tax return.

Heresince2006 · 26/07/2022 18:41

He hates his life, because I make it difficult for him by not having everything ready for him / keeping the house like he would like etc. and also complaining that he doesn't spend enough time with us and that I'm on my own with the children a lot. Apparently that's the price you have to pay for success, he says. He also often says that to be successful, men need wives and children that basically leave them to focus on what they need to do career wise

I actually have some sympathy with him on this score, as he can't be working to support everyone and be at home. My XH was always at work, but I fully accepted that this was the deal. He worked like mad, I gave up my career and looked after our children in order to facilitate his career and (IMO) to give our children what we both regarded as the best childhood, meaning I needed to be a SAHM.

So I completely agree with your husband on this score. However: where he is going very, very badly wrong is to think that his money is all his. The deal, if you at home with children, is that all the money he earns is your joint money. End of story. You in turn don't nag him about coming home at 5 o'clock or doing things with the children at weekends.

What your husband is doing is working (which is good), saying that he can't be in two places at once (true, and you need to give him a break on that score), and keeping all "his" money (which is absolutely ridiculous).

MN, though, is a bit odd about suggesting that husbands should "get a new job" with "regular hours". If you want to earn well, you are very, very unlikely to do that in a 9-5 job. The issue is that this man is not realising that marriage means that his money is also his wife's.

Quartz2208 · 26/07/2022 18:50

@Heresince2006 he isnt working to support everyone - finances are at least 50/50 (if not more in his favour). The OP works and isnt on maternity leave.

Yours works because you are a SAHM who shares finances equally.

The OP has neiether

Heresince2006 · 26/07/2022 19:16

That's sort of my point, Quartz. The husband in the OP's case wants it all ways - he wants her to be at home, but also wants to keep all 'his' money. The OP wants him to be at home more, but that isn't really feasible so long as she's on maternity leave. The real issue is that neither of them seems to have come to terms with the idea that every single penny that he earns is shared money, whatever name they choose to put on it, because they are married. And all the more so as they now have a child, and only one of them is on leave. It would be very different if they were just living together.

Heresince2006 · 26/07/2022 19:18

BTW, Quartz, I have been divorced for a long time now! But it was being married which meant I was financially ok after 15 years as a SAHM... My former husband would have been thrilled if he'd been able to argue that his money was his and my no-money was mine...

Maddogsandtoplessenglishmen · 26/07/2022 20:25

Heresince2006 · 26/07/2022 18:41

He hates his life, because I make it difficult for him by not having everything ready for him / keeping the house like he would like etc. and also complaining that he doesn't spend enough time with us and that I'm on my own with the children a lot. Apparently that's the price you have to pay for success, he says. He also often says that to be successful, men need wives and children that basically leave them to focus on what they need to do career wise

I actually have some sympathy with him on this score, as he can't be working to support everyone and be at home. My XH was always at work, but I fully accepted that this was the deal. He worked like mad, I gave up my career and looked after our children in order to facilitate his career and (IMO) to give our children what we both regarded as the best childhood, meaning I needed to be a SAHM.

So I completely agree with your husband on this score. However: where he is going very, very badly wrong is to think that his money is all his. The deal, if you at home with children, is that all the money he earns is your joint money. End of story. You in turn don't nag him about coming home at 5 o'clock or doing things with the children at weekends.

What your husband is doing is working (which is good), saying that he can't be in two places at once (true, and you need to give him a break on that score), and keeping all "his" money (which is absolutely ridiculous).

MN, though, is a bit odd about suggesting that husbands should "get a new job" with "regular hours". If you want to earn well, you are very, very unlikely to do that in a 9-5 job. The issue is that this man is not realising that marriage means that his money is also his wife's.

Urm no, the Op is working, contributing and also has her own career. She certainly should not shove that to one side to facilitate the career of a financially abusive man.

A mans career does not come before a womans.

Heresince2006 · 26/07/2022 20:34

@Maddogsandtoplessenglishmen I agree. However, in the OP's case - the fact is that she is currently on maternity leave and is still apparently expected to pay "her share" even though she is not earning. And whatever her contribution - whether that be financial or in 'unpaid childcare' - they are married and all their money is shared money. The OP's husband clearly can't see this - but it seems that the OP can't see it either, if she is still going along with the idea that she pays for some things (which are, needless to say, all to do with the children they produced together) and he pays for other things (the big, important, manly things).

In most cases, marriage is a very good thing for women - unless they are the higher earners, in which case they'd be mad to get married. I suppose it's surprising, really, that men ever get married, given that their careers and earning potential are largely unaffected by having children. There's nothing in it at all for them. However, the OP's husband has chosen to marry her, so he needs to accept that he thereby signed over half of all his worldly goods to her.

Maddogsandtoplessenglishmen · 26/07/2022 20:39

Heresince2006 · 26/07/2022 20:34

@Maddogsandtoplessenglishmen I agree. However, in the OP's case - the fact is that she is currently on maternity leave and is still apparently expected to pay "her share" even though she is not earning. And whatever her contribution - whether that be financial or in 'unpaid childcare' - they are married and all their money is shared money. The OP's husband clearly can't see this - but it seems that the OP can't see it either, if she is still going along with the idea that she pays for some things (which are, needless to say, all to do with the children they produced together) and he pays for other things (the big, important, manly things).

In most cases, marriage is a very good thing for women - unless they are the higher earners, in which case they'd be mad to get married. I suppose it's surprising, really, that men ever get married, given that their careers and earning potential are largely unaffected by having children. There's nothing in it at all for them. However, the OP's husband has chosen to marry her, so he needs to accept that he thereby signed over half of all his worldly goods to her.

Oh I agree he needs to financially support her on maternity leave. I have said so repeatedly on the thread.

I just have very little sympathy for a man who does the following:

Works 60 hours'
Has 108 hours a week free to sleep, eat, relax

Vs a woman:

Looks after baby and has broken sleep for 168 hours a week

I don't care how much he claims he needs to a wife to support his career, there are plenty of successful single men, and he chose to have children with a woman who at the time was out-earning him. He has no right to demand a life that neither of them appeared to sign up for before children.

MY DH has worked 60 hour weeks. He still did cooking, some gardening and occasional cleaning. He shared the cost of a cleaner so that the other full time worker (me) in the household didn't bear the brunt of an unfair share and he would have been fully on board with childcare if we had been able to have children.

He absolutely can do it, he has at least 50 hours a week to do it, he chooses not to.

xyzabchij · 27/07/2022 04:56

My husband is a high earner, works a lot of hours and I'm on maternity leave without pay as I've extended it. I have access to all money, and he obviously pays the bills. My toddler goes to nursery one day a week to give me a break.

He is still capable of picking up dinner or grabbing things from the shops when needed. (If you weren't there he'd have to do those things anyway?!)

Honestly he sounds like a cunt and your life would be a lot easier without him.

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