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.

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:
cmaalofshit · 11/11/2023 20:21

I think you should go and see a solicitor and start divorce proceedings. This can't go on.

Yetmorebeanstocount · 11/11/2023 20:23

Why on earth don't YOU move out, then legally force the sale of the house.

She is never, ever, ever going to save up and move out herself.

theduchessofspork · 11/11/2023 20:23

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.

You can’t fix other people, and given her pattern she isn’t going to change until you stop clearing up after her.

You need to move out and let her grow up on her own.

adriftabroad · 11/11/2023 20:25

Are people reading a different thread to me?

AuContraire · 11/11/2023 20:26

Sell the house, go your separate ways. Let her deal with her own finances.

adriftabroad · 11/11/2023 20:27

Folks, this is a reverse.This lady is being financially abused.

Stephy1024 · 11/11/2023 20:32

@adriftabroad how is she? She expects her ex partner to pay for all the household bills. A house she lives in, not contribute and just spend her money as she pleases. And then go asking him to give her money when she runs out. If anything I'd say its op that's being financially abused.

MorganFreemansVoice · 11/11/2023 20:36

@Changingplace As I have already mentioned in another post. Being involved in her money is against my values, but I don't see how she ( from experience) can save money knowing that she spent all her money and never saved a dime.

We want to separate, and she needs to save money to do so, so if she spends all her money, how can we separate? She expects me to do everything and pay for everything.

OP posts:
BeingGivenMoney · 11/11/2023 20:41

She’s taking you for a mug.

You’re separated and you do not have any responsibility to pay all costs towards the house whilst she just wastes her money on whatever she wants.

Does she actually pay towards anything???

I’d start divorce proceedings, sell the house and take it from there.

Nothing will change unless you take official steps to formally end your marriage and go your own financial ways.

AgingDisgracefullyHere · 11/11/2023 20:47

I am really confused by all the posters saying he's controlling and financially abusive. I mean, I agree that there's something like codependency going on where he's trying to get her to change and wants too know what she's doing with her money, but that sounds like normal marital breakdown toxicity. That can be solved by separating.

Moving out and forcing the sale of the house is one way. But see a solicitor for advice on that.

Another idea is to save up the money for her to move out, yourself. But don't be a guarantor for any leases or you'll be paying her rent and bills.

As there's a child involved, you're likely going to be picking up a lot of slack in terms of seeing to it she's clothed, fed and sheltered.

But I really think you'll have more clarity if you're actually living apart.

FormerlyPathologicallyHappy · 11/11/2023 20:48

Have you thought she’s doing this to postpone divorce?

MorganFreemansVoice · 11/11/2023 20:51

@BeingGivenMoney

Does she actually pay towards anything???
No. Nada. Zilch
She runs from responsibilities. Doesn't have any DD or contracts.

OP posts:
Hibiscrubbed · 11/11/2023 20:53

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)

What? How have you managed to project all of your baggage onto this situation? Bit rich to call the OP a ‘nutter’. 😳

BeingGivenMoney · 11/11/2023 20:54

Then get the house on the market and tell her it’s time to grow up and take responsibility for herself.

She sounds ridiculous and she’s just taking advantage of you.

She’s the female equivalent of a cock-lodger and a man-child.

Hibiscrubbed · 11/11/2023 20:54

adriftabroad · 11/11/2023 20:27

Folks, this is a reverse.This lady is being financially abused.

Where are you getting this from? It doesn’t sound like a reverse. Because the OP doesn’t actually sound unreasonable…

hotcandle · 11/11/2023 21:00

Stop paying for her takeaways, bills, treats and stop lending her money. You need to get the house sold and you both need to move on. She can look after herself from now on in. Obviously keep contributing half towards your child.

You sound completely reasonable OP. She's having her cake and eating it and she knows you're too soft to stop her.

hotcandle · 11/11/2023 21:04

@aadriftabroad You seem to be triggered about this thread due to your own situation. I hope you're happier now!

adriftabroad · 11/11/2023 21:05

I am not triggered,

I recognise financial abuse.

ghostyslovesheets · 11/11/2023 21:09

I don't see financial abuse - as I say that as someone who was (and still is to some extend with maintenance), financially abused.

OP she's spending all her money rather than saving it to move out because she doesn't want to move out - she's got a cushy little number and doesn't want to lose it.

Sell the house and split

adriftabroad · 11/11/2023 21:11

Why are posters saying "ex partner"?
It is the WIFE of 14 years.
Nobody should be moving out. A divorce needs to take place with provision for the child. Their child.

I am divorcing a millionaire in a dfferent country, after decades, I am not projecting.

Hankunamatata · 11/11/2023 21:13

Sell the house. Half each. Find your own place and she finds hers

hotcandle · 11/11/2023 21:13

It's not financial abuse. The ex wife is going back on an agreement SHE MADE to combine finances. She's suffering no consequences from refusing. Where is the abuse?

If anything the OP is being taken advantage of. That's very obvious.

adriftabroad · 11/11/2023 21:24

OMG IT IS NOT THE EX WIFE

Fionaville · 11/11/2023 21:32

I don't think either of your behaviour is normal or ever has been around money. When the DCs were young, what did you count as 'her money?' The child benefit? Because that wouldn't go very far.
All of this is a mess. You need to leave the family home and work out how much you need to pay her each month. Then as long as your children are properly cared for, what she spends on will be nothing to do with you. Yes, she does sound bad with money and I don't agree with the 'fast fashion' but that won't be your concern once you properly seperate and move out. This is no way to live for either of you.

Stephy1024 · 11/11/2023 21:32

@adriftabroad omg wife then but separated. It doesn't really make a difference. They are not actively in a loving relationship so why do you think that op should pay for everything and "wife" gets to pay for nothing and have everything handed to her? Your way of thinking is the one out of touch if you haven't noticed.