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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:
ghostyslovesheets · 11/11/2023 21:32

adriftabroad · 11/11/2023 21:24

OMG IT IS NOT THE EX WIFE

Can you PLEASE explain what is abusive here?

The OP - pays all the bills, adds to the joint savings to put towards her home, doesn't ask for anything from her but to put a percentage of her earnings in the savings

I am not being a cunt - I genuinely don't see it.

Weenurse · 11/11/2023 21:40

Check any credit cards in your name and both names.
This situation won’t change unless something else changes.
Either put the house up for sale or buy her out.
If not possible, then get her a flat and pay bond and first months rent. Initially costing you but saving you in the long run.
Good luck

adriftabroad · 11/11/2023 21:43

Why would the wife and child move out of the family home exactly?

AlwaysGinPlease · 11/11/2023 21:52

Your poor wife. A lucky escape from you!

adriftabroad · 11/11/2023 21:54

On looking at recent posts (May) you were considering separating but worried about childcusrody. You called her "The Wife"

You were extremely displeased with your wife then, also.

She was too obsessed with your DD.

I really think, if you are this unhappy in your relationship you must divorce,with no further ado.

Your wife has rights.

Muddybooties · 11/11/2023 22:03

I strongly suggest you set up a joint account where the bills come out of.

And an account for your child where the child benefit goes and where you each contribute a set amount.

Say bills are £500pm then you both transfer in £250 (I would include utilities etc in this but maybe not the mortgage if you are the higher earner and are taking the house post split) consider having a weekly online shop out of this account too, with you both equally contributing.

In addition have a separate account in trust for your child that the cb goes into and you each contribute equally here too, say £100 - 120 a month (each) would be about right for a six year old, though child care and extracurricular activities would be more on top of this.

This is the only way to prevent arguments and have transparency.

Your wife needs to move to full time or declare that you are separated but living in the same accommodation and claim universal credit to be able to cope better.

If going the latter route speak to citizens advice, check out turn2us benefits calculator.

Staying as things are is not viable, she doesn’t have enough to live on and support the child independently of you.

ghostyslovesheets · 11/11/2023 22:10

I do understand @adriftabroad point - we only have one side of this - I did initially think 'wow she's got it made here you mug' BUT she's on a low wage - there doesn't seem to be transparency on either side about money and IF the OP wanted this sorted there are legal options. I suspect one of those might involve 'the wife' being able to stay in the family home and the OP , moving out. We do not know what is happening for her - just what he is telling us.

Muddybooties · 11/11/2023 22:12

Also, she could set up an ISA to save into to facilitate her new home.

However, I don’t see why she would have to.

Either she will stay in the family home or the family home or it will be sold to facilitate a 50:50 split at least, possibly 70:30 or all in her favour if she is the primary care giver to your child.

Even if you do not own, if you have savings or a pension then your wife will be entitled to a proportion of this in the event of divorce….

So all this “she needs to save up…” emmm no she doesn’t.

And she will be very well catered for even if she walks out tomorrow as a single woman alone with a child in a part time job - check the benefits calculator I referred you to.

You need to worry less about the present situation and see a solicitor if you have any assets.

carly2803 · 11/11/2023 23:13

wow you are a mug!!

divorce, sell the house and split = you do realise she will get half?? she hasn't paid anything towards the house when you have split up, but you are still paying everything?

I understand you paying everything married/if she does childcare house etc but you are not together, so why on earth are you paying for things?!

even if this is a reverse, you are a mug !

Gingerkittykat · 12/11/2023 03:34

How much is your income?

What do you have left at the end of the month?

You are being financially controlling if you demand money goes into a joint account for savings. Why would you want joint savings if you are separated?

AlmostAJillSandwich · 12/11/2023 03:46

Divorce, and put the house up for sale. You need a clean break, and you unfortunately may have to force it.
From now on, give her no extra money. You're paying for the roof over her head and all bills, the least she can pay for out of her not bad wages is food for her and your child. You're not even asking for her to pay for food for you, you don't take a penny from her.

Should she spend all her money, tough shit. Obviously provide food for your child if she can't/won't, but don't cave and buy her takeaways or anything but maybe offer absolute basics bread milk etc if she does spend absolutely everything. Maybe having to sell some of the shit she buys and throws away so easily to feed herself when bank of wife closes, will give her a wake up call.

Ponderingwindow · 12/11/2023 03:54

you pay all the bills? Does that mean you pay for child care? Do you cover before and after school care? Do you pay for care during school holidays?

MariaLuna · 12/11/2023 04:00

I have paid all the bills, including her food, and she has done whatever she pleased with her money.

Well. Shows you you are not financially savvy (goes for both men and women) and are an idiot.

SO MANY Ops on here showing people are fools for subsidising others to the detriment of their own (selves/kids).

It's sad.

I've done it too. But more wise now....

Ilovelifeverymuch · 12/11/2023 07:54

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.

Really he's controlling? It's very simple, she should also stop asking him to fund her ridiculous spending habits.

Ilovelifeverymuch · 12/11/2023 07:58

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.

This is a very messy situation and you need to have a clean break. Reach an agreement on when she moves out if not you make arrangements to move out.

People like that will not learn until they hit rock bottom.

Bearbookagainandagain · 12/11/2023 08:39

Nice story but there is too much that doesn't add up.

OP doesn't say anything about the house they live in, who owns it or whether it is a rental, why the wife and kid are expected to move out... And hasn't answered any comments about that and it's key to understand the situation.

It also make no sense for someone on a 670 salary to "save to move out" with a kid, and although I don't know much about benefits 90£ seems very low given the salaries involved.

Hibiscrubbed · 12/11/2023 08:39

Not triggered, you say… @adriftabroad 😬

Xenia · 12/11/2023 08:43

If you are still living in the same house and are married then there is a legal duty on both of you in English law (if you are in England) to support the other. If you divorce then the duties change. During a marriage it is up to the couples however how they manage things. She sounds bad with money (whereas I earned 10x my husband !!! and we always both worked full time even when we had small babies and we were both careful with it so that worked well).

Try to buy things for her rather than give her money eg buy the food, not give her cash she may just spend on things she doesn't need and perhaps you can agree to set up standing orders for some family bills based on your net incomes - if hers is £760 net a month plus child benefit and yours is 3 times that then you pay 3/4s of the rent and she pays a quarter etc.

booksandbeans · 12/11/2023 08:48

You know this is not normal but have avoided any confrontation to get a proper budget in place into which you both contribute in a fair way. You should have been saying to your wife no more money until you show me how you budget and manage your finances, what exactly do you need this money for but you know this would lead to an argument and you did not want to go there.

You say you have separated so now is an excellent time to maybe sort this out. Go to CMS and see what they say you owe your wife/child in support and start from there.

travelnorth · 12/11/2023 08:49

Do you earn much more than your wife? £750 is not so much at all these days. I went for lunch with a friend in London and the bill was around £230. This would have been about £120 a couple of years ago. I imagine saving is much harder these days. Anyway, you need to have an honest conversation with her and get informed where you both stand legally going forward. Everything starts 50/50 in a divorce and children’s needs are taking into account before anything else.

FloweryName · 12/11/2023 08:55

You are separated so kick her out! She has enough that she can survive without you but she choosing to use you for your money because it’s easier.

She is also teaching your son that fathers deserve no respect and are only good for money.

This mess will continue until you make her leave. You are not responsible for her.

Cosycover · 12/11/2023 09:09

Hold on.

She gets paid £760 and spent it in a week. Then she is asking for more money from her husband and refusing to tell him what she has spent it on. (So a load of shite she doesn't need while he pays all the bills)

But she is being financially abused?

On what fuckin planet?

Aishah231 · 12/11/2023 09:20

She'll never save any money whatever you do OP. Save yourself a lot of time and put the house on the market now. Ask for majority custody so your DD can live with you. A least get 50/50. She sounds incredibly selfish and very unlikely to be a great role model for DD.

hedgehoglurker · 12/11/2023 09:21

OP do you earn less than £50k/ £60k, as from the info on here I would have assumed you earn more? Just making sure you know about the child benefit repayment implications, if so.

WowOK · 12/11/2023 09:23

Did your wife take a career break to care for your child? Did your wife sacrifice her career, pension ect to look after your joint child and facilitate you working and not having to pay childcare? Does your wife work part-time to be avaliable for school pick up and drop off? Do you do 50% of everything in the home that you share seen as your not a couple anymore and she isn't your maid? Do you own or rent the house?

I think the lines are very blurred. You need to divorce and separate physically, emotionally and financially. Then her finances will be her business. If you own the house you need to buy her out or sell it and give her her share. If you rent then you need agree who's moving out. You also need to agree on contact with your child and provide all care during that contact time.

Honestly, I think there are a lot of factors her that impact on If you are unreasonable or not.

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