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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Money matters - how to split utilities bills ?

27 replies

Whatsh · 25/08/2022 22:33

My husband and I moved to a new place, I bought the house with my inheritance and savings and now pay the full mortgage myself. I just found out that my husband has put my account on all utilities bills as well ( as opposed to our join account that we both pay into for kids expenses, groceries, days out, etc ).

Aibu to expect him to contribute to utilities ? I'm struggling to have anything left after paying for mortgage, utilities and joint account contribution.

OP posts:
Kite22 · 25/08/2022 23:52

YABU to not have one pot of family money, as you are a family.
I can't get my head round the idea of 'my bills' and 'his bills'.
You are a family, not housemates.

wherearebeefandonioncrisps · 25/08/2022 23:58

Your partner needs to pay for his share. He should not have done what he did.

Meraas · 26/08/2022 01:08

Sounds like you have w cocklodger. Take action now and tell him he needs to pay half. Does he work?

GlueyMooey · 26/08/2022 01:10

I presume you've spoken to him? What did he say

Whatsh · 26/08/2022 09:00

Meraas · 26/08/2022 01:08

Sounds like you have w cocklodger. Take action now and tell him he needs to pay half. Does he work?

Yes, he works and earns more than me actually! I asked him why he put all utilities on me, he said because I bought the house, I have to look after it by paying everything for it.

OP posts:
AhNowTed · 26/08/2022 09:04

This can't be real.

You're married so the house is half his.

Does he expect to live for nothing?

At least half the bills and mortgage are his.

Why are you not hitting the fucking roof?

chillipenguin · 26/08/2022 09:06

Whatsh · 26/08/2022 09:00

Yes, he works and earns more than me actually! I asked him why he put all utilities on me, he said because I bought the house, I have to look after it by paying everything for it.

Start charging him rent.

Discovereads · 26/08/2022 09:10

Both the mortgage and utility bills need to be paid for jointly as you are married and the house is half his even though you bought it with inheritance money because the family home is always considered a joint marital asset.

ScarlettSunset · 26/08/2022 09:11

Of course he should share in the bills.
I had one who did this too. At least when we divorced I was able to show he had been working and not contributing at all, and so when the financial settlement was finally done I got to keep the house I'd paid everything for.

MrsMoastyToasty · 26/08/2022 09:28

Are you saying that he quoted your bank account details for the direct debit? If that's true then he has acted fraudulently.

billy1966 · 26/08/2022 09:31

What are you doing with him?

He will take half your inheritance when he inevitably walks out the door.

Are you absolutely mad?

champagneplanet · 26/08/2022 09:31

YANBU, he should pay his share. Why on earth does he think he shouldn't contribute!!

At the very least you need a joint account that you both pay in to where all bills and family related costs are paid from.

You are in a fantastic position where you have purchased a home and are financially secure and he is fully trying to take advantage, and you're his wife!

I bet he'd come after half if you were to get divorced Wink

PasTrop · 26/08/2022 09:36

Whatsh · 26/08/2022 09:00

Yes, he works and earns more than me actually! I asked him why he put all utilities on me, he said because I bought the house, I have to look after it by paying everything for it.

That’s a very long way on the wrong side of the line marked “reasonable.”

There’s a fair range of what people may consider fair, and what you have now is not in that range.

At the very, very least you should be splitting all bills, but even if you do want to try to keep it as “your own” house (in which case why get married?..) then he should pay some rent.

Is there some back-story here?

jackstini · 26/08/2022 09:38

Is the house in your name or joint? Covered by a pre-nip?

I don't get the separate money thing either, we have everything joint, but yes he should be contributing to bills and mortgage!

Ponoka7 · 26/08/2022 09:40

Have you legally ring fenced the house as yours? If not it is,case said, a marital asset. If course you share the expense of everything else.

hewouldwouldnthe · 26/08/2022 09:42

Why are you paying the mortgage? Do you think the house is yours and in the event of divorce you will keep it, especially as yours is the name on the mortgage? Well it doesn't work that way. He now has a legal right to half of all the assets in the marriage including the house. As this is a fact he should be paying at least half of everything, although I would expect him to pay proportionately more as he earns more.

hewouldwouldnthe · 26/08/2022 09:44

Sorry but you have been mugged by your H and have made the mistake of marrying in the first place.

Hugasauras · 26/08/2022 09:44

What a bonkers way to run a marriage.

Threadkill · 29/08/2022 21:08

You are married. What he has is yours and what you have is his.

LittleOwl153 · 29/08/2022 21:14

Given that you are married, I suggest you talk to a solicitor about divorce as technically he can claim half your asset despite refusing to pay anything towards it. You MAY be able to put a stop to this by acting quickly as it sounds as though the house is a very recent purchase?

I guess he is jealous that you have been able to buy the house alone. Is there a reason he is not on the deeds/mortgage?

Short term I would reduce your contribution to the joint account by half the cost of the bills and mortgage as a minimum... perhaps talk to him about him paying you rent. See if that changes his view. He has you for a mug OP. Do not house him for nothing especially when he earns more than you do.

Poppyblush · 29/08/2022 21:23

Wtf!

Milkand2sugarsplease · 29/08/2022 21:30

So tell him if he doesn't want to pay to live there he can pay to live elsewhere!!

Babyroobs · 29/08/2022 21:35

Odd kind of marriage !

OnlyFoolsnMothers · 29/08/2022 21:38

So he pays you rent?

Flutterbybudget · 29/08/2022 21:45

Are you in the UK? If so, then he would probably be entitled to half the equity in the house, regardless of who’s name is on the mortgage and the deeds, if you split up (depending on how long you have been married). It sounds as if he resents that you bought a house solely in your name (if that’s what you actually did). Did he have any say in the choice of house, or did you choose it alone? What was your motive in buying it yourself?
Have you tried to speak to him, and both have your say about the relationship? Inheritance money is always a bone of contention on Mumsnet anyway, whether the money is “family money”, or belongs exclusively to the named beneficiary.
Tbh, I’d go and see a solicitor and find out the best way forward, if you WANT to protect your investment. That could possibly be done by putting the house in trust for your children. (Or even buying a small rental property outright, and getting a joint mortgage for the family home, although that ship may have sailed now) Regardless, it’s completely unreasonable that he thinks it’s appropriate for you to pay all the costs of running the family home.

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