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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Am I financially controlling?

34 replies

Donewiththisshit · 13/10/2023 17:22

My (d)H has always been shit with money. Over the years there has been a pattern of getting into credit card debt, hiding it, lying, I find out, I work harder to pay it off. This has happened to the tune of around £150k in total. Each time he promises he won’t do it again, promises he won’t lie, happens again nadda nadda nadda nadda.
I have worked harder and harder to ‘sort out the mess’ with the result that my career has benefited and I am now a relatively high earner (mid 6 figures). I work long hours.
He has his own business, the debt is related to this in the main although he does pay some bills. His income doesn’t cover his overheads and outgoings. He also attributes the debt to the fact that whenever he has time off work he does not earn (when we go away for example). I generally give him money to cover this but sometimes he declines and says he is fine.
We agreed he would work less when the children were small but they are almost adults now.
I pay for mostly everything else and give him a monthly amount ( around £1k). I do all the life admin but would prefer not to. He neglects his own admin which results in fines or wasting money.
I am resentful, angry and the marriage is shit as a result.
He is a popular bloke, great fun, great dad, does loads around the house.
His friend thinks I am financially abusing him, he doesn’t make much money and I ask too much of him to pay some bills. My (d)H says he lies because he is ashamed and scared of me.
Either way we have an issue.
I know this sounds cliched but despite knowing he will never change, I love him (although the marriage is not currently a loving one) and I know it will break my children if we split.
Am I financially abusing him? There are plenty of men out there with stay at home wives who contribute nothing financially. Should I encourage him to give up work and I ‘keep’ the whole family in the same way? Although I personally feel the resentment would be huge but when the gender roles are reversed resentment does not seem to be an issue.

OP posts:
BerriesNutsConkers · 13/10/2023 17:54

Time to end the marriage! He will mot change and you will end up resenting him more and more

Tinkerbyebye · 13/10/2023 17:56

Leave, he’s not going to change and he is freeloading of you. Bet he hasn’t told anyone about the debts he has run up and you have paid off

OhDoh · 13/10/2023 17:57

He's freeloading. You have bailed him out of 150k of debt. That would be a big enough red flag.

MrsMoastyToasty · 13/10/2023 17:58

No, he's a freeloader and you're an enabler.

disappearingfish · 13/10/2023 18:00

Divorce is going to be incredibly costly. Speak to a lawyer before doing anything drastic.

Stop subbing him.

Spend your own money on proper help.

Refuse to discuss it unless he goes to joint counselling.

I'm so angry on your behalf.

AgnesX · 13/10/2023 18:01

If you pay the bills AND give him £1k per month I can't understand how on earth it can be construed as financial abuse.

Someone is taking the mickey and its not you.

Cowlover89 · 13/10/2023 18:03

LTB

StasisMom · 13/10/2023 18:08

I've been him, not that bad perhaps. He needs to be on a tight rein as he will never learn otherwise. You are being very good to him and I suspect it's a touch of misogyny from the friend, not liking the idea of a woman being the higher earner.

Bunnyhair · 13/10/2023 18:10

You’re the main earner
You do all the life admin
He runs a business (full-time?) which costs more to run than it brings in, so it’s essentially an expensive hobby. But takes all his time during the week, so it’s not like he’s spending all his time keeping the home fires burning while you toil to provide for the family.

I can see how this causes resentment, and would do no matter which one of you was a man or a woman.

He chooses to lie about debt. Of course he’s scared - he knows he’s fucked up. It doesn’t necessarily mean you’re abusive. It may just mean he’s a child.

Go to couples therapy or a financial therapist to work out how to go forward. And look into what your financial position would be if you split…

Donewiththisshit · 13/10/2023 19:07

Thank you for the replies. I feel very alone as it’s shameful to talk about. Divorce will indeed be very costly. Any kind of action will need to come from me, he will just wait for it all to ‘blow over’.

OP posts:
Rosiem2808 · 13/10/2023 19:14

"He is a popular bloke, great fun, great dad, does loads around the house.
His friend thinks I am financially abusing him, he doesn’t make much money and I ask too much of him to pay some bills. My (d)H says he lies because he is ashamed and scared of me."

He has really done a number on you OP. Not only does he not provide, but he sponges off you and lies to his mates who take it upon themselves to pull you for financially abusing him.
What on earth has he said to the friend is what I would want to know ? How dare he !
The man is a complete liar and has no shame

ThinWomansBrain · 13/10/2023 19:19

Financially abusing him by paying off £150k of his debts?
Yeah, right, poor dear.

If his business does not make a profit, and hasn't done for years, then it's an expensive hobby - why doesn't he wind it up and get a job?

Thelaundryfairyhasbeenassassinated · 13/10/2023 19:20

Your husband must be missing out details here for his friend to say that surely? Regarding gender roles. Most women who are at home and not contributing financially have most of the time supported their husband career by being the primary care giver. Husband has never had to worry about pick up/drop off or holidays. He is able to fully focus on his career as the wife runs the house. This benefits the entire family (of course benefit to mum could be debated). Your husband has accumulated a huge debt which you paid off. This benefited no one in the family.

This isn't about gender roles, SAHP or housewife/husband. It is about him costing an absolute fortune for his terrible irresponsibility regarding money and you (god knows why) bailing him out.

If my husband said he was afraid of me after all I had done for him I don't think I could come back from that. He has zero respect for you.

Densol57 · 13/10/2023 19:21

Oh what a waster !
id get rid and fight to keep as much assets and income as you can for you and your almost adult kids !
you work hard and he sponges off you
urgh
Let him be financially free ! 😂

margotrose · 13/10/2023 19:22

You're a mug.

Loverofoxbowlakes · 13/10/2023 19:25

Fuck me op, what's he spent £150k on?

Actually, it does matter - if he's spent it on family stuff (and not just throwing good money after bad in his business) then it could be perceived that you are indeed 'keeping him short' and the fact he's got to come to you for his 'allowance' each month is a shit feeling.

If, however, he's spunking money left right and centre, propping up a failing business that isn't turning over enough to keep afloat, he's not looking for a real job that will help to pay the bills etc, then no, you're not being abusive he's freeloading and you should get a divorce.

He's dragging you down. Think of what that £150k could have paid for for the dc's future.

Should you divorce he will absolutely be expected to find work which pays sufficient to keep his spendy arse.

SausageAndEggSandwich · 13/10/2023 19:28

Just get rid of him while you're still young and can build up your finances again

I couldn't bear bailing out my supposed life partner as if he's a child who didn't understand money

He will drag you down. 150k will seem like small change 20 years from now if you carry on with him

LovedmyRaleighChopper · 13/10/2023 19:31

Why on earth does he have this so say business that costs more than it brings in? Doesn’t make sense and you need to stop subbing it. Obviously you need to also stop giving him pocket money. Sit down and thrash out a financial plan, I’d say to become any kind of contributor he’d be best to close or sell off the business and take a job that pays a regular wage. Maybe he’d have less spare time to slag you off to his mates in. For someone who sounds quite astute this is such a strange position to end up in, working your guts out for money he then pisses away. Ridiculous and no wonder you feel resentful.

CheekyHobson · 13/10/2023 19:31

My (d)H says he lies because he is ashamed and scared of me.

And he’s ashamed because he knows his behaviour is out of order (which is on him, not on you).

Has he articulated why he is scared of you? Do you hit him? Throw things around the house? Do you viciously berate him? Or is your reaction to be upset (understandably) but still basically civil? If the latter, he is just pretending to be genuinely scared in order to justify his lies and avoid a difficult discussion with another adult where he knows he’s in the wrong.

MatildaTheCat · 13/10/2023 19:36

Do you think plenty of women who are supported financially by their husbands are also running up massive debts, lying and failing to pull thei weight in the household? I doubt it because it’s completely unacceptable.

Your DC who are almost adults will not be broken or devastated by a break up. When they are a bit older, if and when they know all of this they will blame you for staying.

Please keep detailed records of everything you have done and paid for and consult the best lawyer you can possibly afford. The marriage is dead in the water and I’m guessing you are clinging to the idea of a love you once had rather than the real thing.

Good luck with this. You’ll get a lot of practical advice from the relationship board if you get this moved. Don’t let him get wind of any planning.

Doingmybest12 · 13/10/2023 19:42

I'm a bit confused about what is happening really. It sounded like he was frittering money away initially but then seems to not be able to earn through his business and racks up debt trying to make this work? What is it you both want to achieve as its not really working at the moment. The responsibility all lies with you while he makes a mess of what he is doing. Can he take on the family and house admin and do a lifestyle business on the side? Is it a communication issue really?

toomanyboxes · 13/10/2023 19:55

His friend thinks I am financially abusing him

Oh really. I bet he hasn't told his friend all about that £150k hidden debt he built up. He tried to hide it and he lied to you, so he's hardly likely to have told his friend the whole truth either. It's pretty unlikely his friend knows about how his business is making a loss either, and that you are perpetually bailing him out.

So I wouldn't pay all that much attention to what the friend has said about you being financially controlling.

Thisismynewusername1 · 13/10/2023 20:34

I’m going to come from the other side.

my elderly next door neighbour was apparently “bad with money” according to her husband. Gambling and buying crap, didn’t know how to budget. He gave her loads of money, she didn’t work etc. he had to take her bank cards away in the end to stop her getting into more debt.

spoke to her daughter after the husband died. She’s been through his accounts, and he had been financially abusing her for years. She had a pension of about 1k, and had been spending it on nothing more than petrol, food shopping, kids, and family stuff. No luxuries at all. She’d got into debt and was racking up interest which was further cutting in to her money and getting in deeper as they payments got less and less manageable.

all the while he sat on a salary of 70k a year. Didn’t help her out as she needed to “learn”.

Wallywobbles · 13/10/2023 20:52

Go and see a good lawyer and work out what it will really cost to divorce him. In the meantime perhaps just aim for separation.

Universalsnail · 13/10/2023 20:56

No you are not financially abusing him. 100 percent guarantee that his friends don't know about the 150k debt he rang up