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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

WWYD -- Wife finances

96 replies

MorganFreemansVoice · 11/11/2023 15:17

I have been with my wife for 14 years, and we have DC (6) separated but live together.

Before we had DC, we both worked. I have paid all the bills, including her food, and she has done whatever she pleased with her money. She never had money left at the end of the month or savings. I always hoped that she would be more responsible with money as she gets older. We are both 38. I have a decent income, but nothing to shout about.

Once DC was born, she received maternity pay for 9 months, I did not care or question what she did with the money.
After the maternity pay ended, I obviously continued paying for everything, including her clothes etc. She received the child benefits of around 90£/month, and I've said that she can use that money for tea/coffee when they go out in town. This 90£/month was insufficient for her, and she always asked for more, and I gave her. I only spend about 60£ on coffee at work a month.

I forgot to ask for the credit card back once, and in one week, she spent 450£+. When I asked her what she had spent the money on, she could not tell me. When I checked the transactions, it was all on clothes from shops like Primark. When I asked her to show me the clothes she had bought, she did not have them. She habitually buys cheap clothes, uses them for a very limited time, and throws them away or gives them to charity.

Fast forward, she found a part-time job a couple of months ago ( potentially to be extended to full-time). We agreed that from the money she gets from this job, she buys food(400£) for herself, and DC, keeps 150£+90£ child benefit for spending when they go out, and the remaining money goes into a joint savings account where she can use that money to get her place in future. She got paid on the 20th of Oct 760£.

She lied about what she got paid once she said 450£, 550£, and 650£. Anyhow, on the 5th of Nov, she came to me and asked me to lend her money because she had got nothing. I got a bit pissed and said, I want to see how much you got paid, she refused to show me, but in the end, after some arguments, she laughingly showed me on her phone that she got paid 760£.

So, in two weeks, she has spent around 800£, including the child benefit, and when asked, she will not tell me for what. Hasten to add, in those two weeks, she only spent about 65£ each week on weekly Tesco home delivery.

P.S
On my days off, every week, I usually either cook or buy takeaways from my money, and therefore, she spends very little money, if any, on food when I am off from work.

Is this behaviour normal?

OP posts:
fuzzystar · 11/11/2023 15:25

I'd live separately. Her finances aren't really your business and you don't have to lend her money. Just child maintenance.

RandomButtons · 11/11/2023 15:29

You need to properly separate- this isn’t working. I suggest you start divorce proceedings and work out what she’s entitled and go from there.

OneRingToRuleThemAll · 11/11/2023 15:35

Her money is nothing to do with you. How much she is paid is her business. And her remaining money doesn't need to go into a joint account.

You seem very controlling.

adriftabroad · 11/11/2023 15:41

Financial Abuse.

Changingplace · 11/11/2023 15:43

If you’re separated why are you still so involved in what she does with her money? What are your plans to properly separate and live apart?

Ginmonkeyagain · 11/11/2023 15:46

This sounds messy. Why didn't she pay any bills when you were both working pre children? Why on earth did you agree to that? That was foolish but cannot be undone now

You need to divorce, divide assets, agree proper child maintanence arrangements and stop poking around in to her finances.

Blondebutnotlegally · 11/11/2023 15:47

Funny how despite her only working part time (or not at all) thus shouldering most of the childcare, you still see your money as YOUR OWN money which you are ever so kindly giving her. What a walking talking red flag.

adriftabroad · 11/11/2023 15:54

Yes, you need to leave the home while DD is so young or sell it and split it. Leave your wifes finances alone and get divorced with the correct financial settlement.

No, your behaviour is not normal.

honeylulu · 11/11/2023 15:56

It does all sound rather odd. You are separated but pay most household costs as you've always done. But also want control over her personal spends and she expects extra spending money from you??? It's very unhealthy. If you're separated you need to do it properly. Live separately, get divorced, split assets and pay child maintenance.

I'm wondering if there is a cultural factor here. Are you both Muslim? In Muslim cultures there is often a principle of husband supports wide financially with his income but wife's income is hers to spend only. Would this also explain why you aren't/ can't be divorced? Are you actually legally married?

(I hope nothing I've said causes offence to any Muslim people. It really isn't intended to. )

Stephy1024 · 11/11/2023 16:26

Whatever she spends her money on is her business. I get that it's annoying that she then comes asking for money from you. But your not a couple anymore so just say no and stick to it. Its that simple. If she wants to waste her money let her.
Also you need to separate property. Get a divorce and sell the house/divide if its a joint mortgage etc.

2catsandhappy · 11/11/2023 16:32

The sooner you two live seperately the better.
You supported her being a SAHP and now she has a job you can share childcare.
Divorce, maintenance, childcare and overnights needs to be sorted out soon.

Your previous agreement no longer stands. You have both agreed to a new arrangement. She will have to adjust to it.
Her spending does sound wild to me, but I have never had access to that much money for myself.

uhtredsonofuhtred1 · 11/11/2023 16:41

But he's paying all of the bills and household expenses other than their food? I'm sorry, but it sounds like a fair deal here so maybe OP should move out and get somewhere of his own and allow her to pay all of the bills and household expenses on top of everything else and then he can just pay maintenance

HappySammy · 11/11/2023 16:52

It sounds like you're living together while she tries to save up to move out. Is that correct ?

vodkaredbullgirl · 11/11/2023 17:06

🤔

MorganFreemansVoice · 11/11/2023 19:42

@OneRingToRuleThemAll I accept that her money is her business, but where is her responsibility towards the household? After all, she still lives there and enjoys it.

OP posts:
theduchessofspork · 11/11/2023 19:45

You know it isn’t.

You need to move out because she isn’t suddenly going to change and contribute to the house - well, unless you force joint accounts, but that’s hard to do.

I’m sorry this has happened to you, but you have been foolish to facilitate it for years.

MorganFreemansVoice · 11/11/2023 19:50

@HappySammy That's correct. But the problem is that if she doesn't put her money in a joint account where I can also see what she is doing with her money, she will spend it. I don't need her money; I just want her to save and move out.

OP posts:
adriftabroad · 11/11/2023 20:02

😂

Stephy1024 · 11/11/2023 20:03

I'm confused as to why people think op should move out?
Do you both own the property jointly/individualal op? Or is it rented etc? Unfortunately you've made her life too easy for years and she's not all of a sudden going to do her fair share it seems. And you can't really force her. You just need to sort out living arrangements.

MorganFreemansVoice · 11/11/2023 20:06

@honeylulu It might sound odd, but I pay for everything in the house. I accept that I was naive and foolish, allowing her to get away for so many years without paying her fair share.

I don't want to control her finances, I only wish to ensure somehow that she saves the remaining money so she can get her own place in the future. She seems to be a compulsive spender, and if I don't try to facilitate her to save money, she will send it all, and we will be stuck together forever.

OP posts:
adriftabroad · 11/11/2023 20:15

You have been married for 14 years and have a 6 year old. What has she got away with?
You sound like my STBXH "We are divorced, just not formally".

He is now being formally divorced and has been arrested for domestic violence (financial abuse)

adriftabroad · 11/11/2023 20:15

You nutter.

FormerlyPathologicallyHappy · 11/11/2023 20:17

Just move out, sell the house and divorce.

Dacadactyl · 11/11/2023 20:19

I think that if you're separated, she doesn't get to have it all ways and still have you supporting her on an ongoing basis.

TwoDozenWomen · 11/11/2023 20:21

You took a laissez-faire attitude to finances when you were together, you don't seem to have discussed money with her, you saw her spending habits as a problem and hoped it would somehow sort itself out. Now you want to go from ebbing hands off to hands on. Why not suggest you both go for money management classes?