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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

How to split finances?/Am I being a mug?

82 replies

ReasonableSplit · 24/09/2023 11:50

Interested in opinions on how you think is fair to split costs here.

I've lived with DP nearly 2 years, in his house (mortgaged, his sole name).
I'm child free by choice, he has one school age DC, with 50/50 custody with the mother. They coparent well and share costs reasonably fairly. Both parents fully involved, and their wider families. After school clubs are available and used, so he has time to work FT hours.

DP & I have been together nearly 4 years, but were friends for ages before that, then FWB then FWB & house sharing, then sort of a relationship. We keep separate rooms which we sleep in 95% of the time.
[Might not be usual but works for us, don't need comments on that aspect thanks.]

I say "sort of" because when I've tried to get clarification about long term intentions, he says he loves me and wants this to be long term etc, but isn't good at making any future plans or saying what that would look like. He's being assessed for ADHD, which is probably relevant to the lack of forward planning. So I still think of myself basically as a single adult rather than part of a family.

I earn a lot more than he does, currently probably about 4x, could be more if I worked full time.
He owes me nearly £50k, because I agreed to pay off various debts of his. We have legal agreements on this, but he's not yet been in a position to pay any of it back. He would only be able to pay me back in full in the foreseeable future if he sold the house.

He did have bad anxiety for a while, and I was ok with supporting him financially and emotionally with this for an extended period. But he's been sufficiently recovered such that he could have gotten a job for about 9 months now.
He does some freelance work in 2 main fields, but this doesn't bring in enough to cover his costs, and doesn't take more than 10-15hrs/week total.
He's agreed for months that he should get a FT job, but doesn't really apply to many, and is quite selective about what he will apply for. At this point I think he should take any job, and then work to improve it from there.

I was paying 50% of the mortgage to him as "rent", and buying all of the groceries. He pays house bills, which are the same as the monthly groceries cost for 3 of us. He quite often has to borrow extra money from me or his family to cover these costs.
I've also paid for significant improvements to the house, and there are more that should be done before winter.

He doesn't waste money or spend on things he can't afford, he's just not bringing enough in to cover his essential costs, let alone any extras.

For example, we manage only about 1 date night every few months, and I always pay for all of it. Which I wouldn't mind so much if he organised some of it, but I do that too, or it doesn't happen.

I'm getting pretty annoyed at his laissez-faire attitude to working and being able to cover his own costs.
I can afford it, but since I don't feel part of a family with him and there haven't been any moves towards any kind of long term commitment (not marriage, just agreements on what we want, what the future might look like and so on), I don't really see why I should.
It's also off-putting for the long term that he doesn't seem to think it's a priority to earn enough. He hates feeling the imbalance between us, but doesn't do anything to fix it. I don't need him to earn the same, I'd be fine if he got a job and worked a reasonable number of hours for a reasonable salary, but it annoys me when he doesn't work much and can't cover his costs, and there's no urgency to his job searching.

I have now said that I'm not going to pay rent anymore and instead I'll deduct that monthly amount from the money he owes me.
I'm hoping that will increase the urgency of the job hunt.

So:

  1. AIBU to stop paying rent and instead deduct it from the debt he owes me?
  1. How should finances be split here?

3.AIBU to think that if he doesn't step up soon financially I probably ought to get my own place & entirely separate our finances?

Love to hear everyone's thoughts in general. Thanks.

OP posts:
Beezknees · 24/09/2023 12:29

God, yes you are a mug. Sorry to say but it's true. Why on earth would you pay the debts of someone who won't even commit to a future with you?

Curseofthenation · 24/09/2023 12:30

I wouldn't have been so generous in the first place, but in your current situation I would move out if you think he is a genuine CF or else insist on getting your name on the mortgage. I would allow him to ringfence the sum he already has paid on the property minus the 50k owed to you. As you've paid for home improvements and his share of the rent, I would expect you both to benefit equally from any increase in property value. His reaction to this suggestion will tell you all you need to know.

GabriellaMontez · 24/09/2023 12:31

How have you fallen into to this arrangement?

Somewhere between a parent, carer and total mug...

Absolutely don't pay rent while he owes you 50k and doesn't work ft. Wtf?

newlystyle · 24/09/2023 12:33

Freezingcoldinseptember · 24/09/2023 11:59

Did you get your MUG tattoo professionally done op?

This. I read only the first two paragraphs and thought mug. Seriously, where is your common sense and self respect. Read back your post a hundred times if you need to and ask yourself if that's normal. Stop this nonsense of using ADHD as a reason for him using you, this is why people don't take those with genuine adhd seriously. He knows what he's doing and so do you.

newlystyle · 24/09/2023 12:34

GabriellaMontez · 24/09/2023 12:31

How have you fallen into to this arrangement?

Somewhere between a parent, carer and total mug...

Absolutely don't pay rent while he owes you 50k and doesn't work ft. Wtf?

I don't have sympathy for women like these who walk eyes open into such ridiculous situations and stay when they are able to walk out. Op you are choosing your own sorry situation.

singl · 24/09/2023 12:35

Pause. Just sit down and slow down.

He owes you £50k. You are renovating HIS house. You are paying HIS mortgage. He does not want to commit to you.

Use your “4x higher” salary and get proper legal advice asap. The fact he isn’t even paying you back and you already had legal advice? Sorry but surely there should be a watertight contract that he starts paying you X by Y date else further legal action would commence? Is your contract just not watertight or are you blindly refusing to uphold it?

MrJollyLivesNextDoor · 24/09/2023 12:35

Wtaf

OP how have you let this happen?

Good luck getting that money back. Stop this nonsense right now

MolkosTeenageAngst · 24/09/2023 12:36

Wow. Sounds like he’s really landed on his feet, he is only working for 10-15 hours a week but meanwhile is getting half his mortgage paid off, has had all his debts paid off with no expectation to pay it back anytime soon, is having renovations done on his house, plus has a housemate who he can have sex with without needing to offer any commitment. What is he doing with his days whilst you work full time? Honestly, he’s taken you for a complete fool. You shouldn’t need strangers on the internet to tell you he’s never going to step up and find more work for as long as he has this cushy arrangement, why would he? Definitely move out and separate finances from him and obviously get him to start paying back the £50,000(!!) debt he owes you.

You sound successful and financially savvy, honestly, why are you with a lazy cocklodger? Don’t you feel like you deserve better, somebody who will offer something equal into the relationship? If he paid you back that £50k you would easily have enough for your own house deposit, mortgage and security instead of paying into his. Think about your own future financial security instead of funding his!

FrontEnd · 24/09/2023 12:38

Don't hand over another penny until he's repaid the debt in full. Honestly it sounds like some kind of screwed up cocklodger type situation where you're the lodger but also financing the deal 😉. Sorry, OP, prompt action required and possibly some kind self reflection regarding how you got to this place.

singl · 24/09/2023 12:39

Also this post really scares me. I’m mid 20s, on £40k and single. I have room to grow my
salary too, so successful in career but not successful in dating. I never want to be in a situation like you OP - it seems like he’s taking advantage of you but doesn’t really care about you. And it seems you know you are being taken advantage of but don’t have any other options/might be lonely so put up with it

Cosyblankets · 24/09/2023 12:40

Are you doing the cooking and washing as well?
Move out
Get legal advice re the finances and don't give him another penny
There is no incentive to work while you are paying so much

SchoolQuestionnaire · 24/09/2023 12:41

Op move out and get your £50K back. Don’t confuse matters legally by bringing the rent into it, just cut your losses and start legal
action to recover your money.

LardoBurrows · 24/09/2023 12:42

I have no words 🤦‍♀️

CrotchetyQuaver · 24/09/2023 12:43

I almost can't believe what I've read here. You need a legal charge on the house and I would also stop paying for anything whatsoever and start chipping down that £50k debt.

LightSpeeds · 24/09/2023 12:44

Sorry but you're being a mug. Move out and buy your own property.

ReasonableSplit · 24/09/2023 12:45

Why? Because I can afford it and was being nice, knowing I likely wouldn't get it back for a while, but hoping he'd be able to sort his life out from a bad place with support, and make improvements, and pick up his responsibilities.

The first loans (~£20k) were pre-relationship when we were friends, to help with trying to get him back on his feet, clear all past debts, and help him be stable with his ex-partner and new DC. (I'm not the OW, they broke up long before we started FWB).

I do have other property and investments, so it's not critical to my survival.
I probably wouldn't mind so much if we were just friends, but in a relationship, I'd like a bit more equality.

We have discussed me buying in to this property, but tbh I would have to drive it (he's not reluctant, just disorganised), and I'm reluctant to be in any way financially officially joined to him.

I could get an order for sale on the property in the end, but it's pretty extreme and would make him homeless.

And for those asking - the sex used to be spectacular, but strangely enough, the inequality has meant I'm no longer particularly interested in it....

OP posts:
alldakatz · 24/09/2023 12:47

The only thing that stops him being a cocklodger is that you are the lodger.

TheShellBeach · 24/09/2023 12:47

The 50K is just what you've given him for his debts.
How much more have you shelled out to renovate and improve his house, which is a house on which you have no claim whatsoever?

Wow.

Sellingbedtime · 24/09/2023 12:48

This doesn't sound like a mutually beneficial situation.
I don't think your being unreasonable to stop the rent, especially as he has not made an attempt to repay the loan.
And personally if this was me I'd look to get my own place instead of pouring my money into someone else's house.

TheShellBeach · 24/09/2023 12:49

Oh Lord.
I've just read your update.
So even the sex is rubbish.

This is a nightmare, OP.

Persipan · 24/09/2023 12:50

Why are you paying for any of this shit? From what you've described, you're basically a lodger he's shagging. Sorry to be blunt, but you seem very financially entitled with this person given how you don't really feel part of his family or have any clarity about what your relationship even is.

Cornishclio · 24/09/2023 12:52

Stop paying for everything and make plans to buy your own place. I wouldn't pay bills or rent as he owes you so much. While you are financially supporting him he has no incentive to find work paying enough for him to repay you.

HeadAgainstWall0923 · 24/09/2023 12:52

Oh OP, you say you did it because you can afford it and that’s all well and good but open your eyes as to the way he’s using you.

I don’t know whether you’ve buried your head in the sand or whether you’re in love and blind, but I cannot believe you are making any kind of excuses for him.

You’ve paid off his debts, you’re paying off his mortgage and now you’re paying for his house renovations whilst he’s lying back and enjoying the ride!

God OP - just pick up your self respect and your sense of value and leave him to get on with his own life. You sound more like his mother than his partner.

This is absolute madness.

margotrose · 24/09/2023 12:54

You're a bloody fool.

Thelnebriati · 24/09/2023 12:55

He owes me nearly £50k, because I agreed to pay off various debts of his. We have legal agreements on this, but he's not yet been in a position to pay any of it back. He would only be able to pay me back in full in the foreseeable future if he sold the house.
Right; so get him to do that, and when he is straight with his finances and you are both renting your own place you can think about whether or not to move forwards with this relationship.ATM you can't think clearly. He is being evasive and he owes you a large sum of money.