Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

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:
Beautiful3 · 24/09/2023 14:08

Oh dear, you're allowing yourself to be used. That's not good for you. Honestly, if it were me I'd move out. Then ask for the £50,000 back via a repayment plan. If ignored, I'd contact a solicitor. Truth is, he doesn't need to work full time, because you'll pay for most things. He's just using you. But you've allowed it to happen. Just move out and date if you still want to. But be prepared for a load of emotional guilt tripping.

Olika · 24/09/2023 14:19

To answer your question: yes. You are being a mug.

rwalker · 24/09/2023 14:30

This is 4 separate issues
paying rent absolutely why wouldn’t anyone

Food again fine it’s consumable household expenses he pays for other utilities you use

50k loan not something I would do but again if it’s done properly legal agreement fine and if he doesn’t pay it’s the same as any other loan peruse payment

home improvements you’ve lost me why an earth would you pay to improve someone else’s house

JudgeRudy · 24/09/2023 14:44

This arrangement is ridiculous and non sustainable...not because of finances, but because you will lose respect for him. When that happens sex with be off the cards and you'll wonder whats left.
Why don't you suggest that he sells the house to you. Get it valued, knock off the £50k he owes you (plus interest) plus a bit for the renovations you've paid for....then tell him he can 'lodge' with you and contribute towards bills, keep etc. This way he'll have a lump sum so no excuse for not paying his way. If he chooses he can invest in a pension/plan for his child and the future. There should be no arguments about what he would be expected to contribute because it would be the same as what you paid him before. Your own mortgage arrangements would be your own business. Of course you could also move out and buy your own home. If he wants to stay over he can. If he wants to move in with you (and sell up) again he can. Even if you don't like this idea, put it to him and gauge his reaction. This should help you decide if this relationship is worth continuing with.

ReasonableSplit · 24/09/2023 14:49

Thanks everyone for replying.

I did think it was pretty obvious I was being a mug, but he seems to think it's unfair that I was asking for formal repayments or an offset against rent, so I just wanted to get some other thoughts, given the income difference and that he has a DC to look after as well.

It's hard because if he's forced to pay his own expenses he'll be struggling or failing, whereas it doesn't affect me particularly, so it feels unfair that way because of the relative impacts.

And I suspect the extra financial pressure will have a bad effect on his mental health, which also makes me feel bad for him, and for DC, who gets impacted when he's in an episode of bad MH.

Someone (sorry, can't remember who) had a good point that I should probably get the Deed of Trust done regardless of my concerns about financial entanglement, as it will improve the debt position for me, and formalise rights to the house. So that can get done immediately, and then it's clearer. He's already agreed to it, so I don't anticipate issues there. And that can take into account the house improvements as well, which will tidy lots of the financial situation up.
Thanks for making me see that a bit clearer.

I think I just felt odd about buying into a house when I'm considering walking away. But in reality I've effectively already bought into it due to the debt, so I suppose it's reasonable to protect my own interests. And then I can make other decisions free from the financial overhead issues.

Happy with the answers received and conclusions from it, probably won't check in again.

OP posts:
Redwinestillfine · 24/09/2023 14:55

I would move out op. Then no rent and insist he starts paying you back via standing order as soon as he gets paid, even for a smaller amount.

Hibiscrubbed · 24/09/2023 16:31

My god, leave him. The relationship sounds awful. Force the workshy user to either get a job or sell his house, at which point call in the debts and then draw a line under the whole sorry business.

Stop paying for him to do fuck all, he’s totally using you.

New posts on this thread. Refresh page