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.

My DH has hidden his true income from me... but why?!

433 replies

PurpleTrees123 · 05/03/2024 14:25

Together 15 years, married 10 years, 2 kids. we are happy. Name changed but regular mnetter.

Short version:
DH salary is £42.5k.
His commission bumped his income up to £97k last year, but he has never mentioned this.
AIBU to think he should have mentioned this at some point?

Long version:
DH basic salary is currently £42.5k. his monthly income only just covers his share
of the bills, so he rarely has any more left to add to savings pots, pay off
the mortgage etc.

My salary is more than DH's. I am a good saver, so I set aside my savings first,
and then decide what to do with the left over. I might save some more, I might
spend.

We have separate finances (I know this divides opinions on here!) We get paid into our own bank accounts, and then transfer a set amount each month to a joint account. All bills are paid from the joint account. We are then left with our
own pots of money to do as we wish.

Generally this has worked well for both of us as I am a good saver, so despite the fact I earn more, I also will save for big ticket items and pay for those.... new
boiler, holiday, big days out, family meals, theatre tickets etc.

I feel confident that this has been an even split over the years. And for many
years, DH took home more than I did.

Today, the post has been delivered and there are several letters in there. As I went through them, there are 3 letters from the Inland Revenue. 2 letters are in small brown envelopes, nothing unusual.

One of the letters was bigger and had a large window where the name and address is. Through the window, I could instantly see the words, Income: £97,000

I can’t unsee this. I didn’t go looking for this. It’s actually shocking how it is so clear. I guess it’s the way the letter has been drafted and folded, and this info just happened to end up in the window and be so visible.

Now I don’t know what to do… only yesterday we were talking about job hunting and he was saying that he needs to earn more money as he doesn’t like feeling like he always owes me money for things (I just paid for a big holiday out of the savings).

He has potential to earn commission in his role, but at no point has he ever alluded to the fact he has doubled his basic income. All this time I am thinking he earns much less than me, and I have been paying for things out of the savings to make things fairer. His car needed a full service and work done recently and I even offered to pay for that. He didn’t take me up.

I can’t think what he has spent his money on. We have 2 nice cars – we pay for these monthly and I know how much this costs. Our children do lots of activities, but again this is all out of the joint account so I know how much these cost.

We hardly eat out. He doesn’t have a shopping habit, we don’t belong to expensive clubs. We both WFH mostly, and spend all weekends together.

If I can save money each month, then how has he ended up with not enough to even contribute to joint holidays, and say he needs a better paid job?!

I recognise we are financially comfortable, and I am not here for a debate on
WHAT we spend our money on. We both pay into pensions.

AIBU in thinking he should have told me his whole income, rather than let me think he only earns his basic salary. I feel a bit of a mug to be honest.

Or is it none of my business? He hasn’t actually lied… I’ve never asked him what he took home last year. But at the same time, I had no idea his earning potential was that high!

OP posts:
DadJoke · 05/03/2024 18:18

If I accidentally saw a letter showing my partner's income had doubled without them telling me, I would say "Hey, sweetheart, have you seen this?"

TerfTalking · 05/03/2024 18:18

DH has just received a letter from HMRC, gets one every year, which tells him how much he earned, how much tax he paid, and how much has gone to pay for benefits, pensions and whatever else our taxes pay for. It does have his income from last financial year on it, however I have never, ever, ever seen an envelope with anything visible other than the name and address.

Im going to hazard a guess that the OP opened it, I open DHs mail, always have, he’s happy for me to, he’s worked away for 38 years so someone has to take control of admin.

WhoaJayShettybambalam · 05/03/2024 18:19

I would assume scam but if I genuinely thought this I would be asking him.

Taxyfaxy · 05/03/2024 18:21

TarantinoIsAMisogynist · 05/03/2024 18:01

The PAYE code notices do not state income. And they definitely don't state it anywhere near the window of the envelope. I posted a photo of one upthread and it's obvious it cant be that.

There are no standard HMRC letters I'm aware of which would be in a format where income could be viewed in that way.

Mine has it in big writing at the top! It’s the online version though.

caringcarer · 05/03/2024 18:21

Babsexxx · 05/03/2024 14:31

Yanbu I’d be really upset he’s been pleading poverty whilst you pick up the slack, I’d be livid tbh.

Do as a previous poster suggested and take a photo of envelope with £97k showing. I wonder what he's doing with all this money. He might be squirreling it away in case you break up. In the meanwhile any money you saved don't share it with him. If you want a holiday say he needs to pay half if not go with a friend or on your own with DC. Tell him you don't earn enough to subsidise him. Stop spending your money on joint things he can share until you get to the bottom of it.

TarantinoIsAMisogynist · 05/03/2024 18:24

Taxyfaxy · 05/03/2024 18:21

Mine has it in big writing at the top! It’s the online version though.

The online version isn't a letter though, so it's not relevant.

I use the online tax account too, but the format on there is totally different to the letters I receive.

TarantinoIsAMisogynist · 05/03/2024 18:25

TerfTalking · 05/03/2024 18:18

DH has just received a letter from HMRC, gets one every year, which tells him how much he earned, how much tax he paid, and how much has gone to pay for benefits, pensions and whatever else our taxes pay for. It does have his income from last financial year on it, however I have never, ever, ever seen an envelope with anything visible other than the name and address.

Im going to hazard a guess that the OP opened it, I open DHs mail, always have, he’s happy for me to, he’s worked away for 38 years so someone has to take control of admin.

But the OP said it looked like a tax code notice:

"It’s definitely legitimate. Looks like a tax code change letter."

Even the main body of a tax code notice doesn't state income. Anywhere.

caringcarer · 05/03/2024 18:25

randombloke15 · 05/03/2024 15:21

Hmm interesting update OP
You earn £100k you thought your DP earned £42k but the bills and everything are 50:50
If anything you're mugging him off.

She also said she pays for big ticket items like holidays for them all but not exactly keeping her money for herself.

Ireolu · 05/03/2024 18:26

I had a tax code notification letter recently and that didn't have how much I earn on there. Just work place and the code. Did you open the letter?

For what it's worth we have a similar way of managing finances here. Transfers to the joint account to cover bills and DC the rest for us in our own accounts to spend as we chose, neither of us are big/irresponsible spenders. all of it family money.

Snowbear32 · 05/03/2024 18:26

Posts like this just highlight how utter batshit it is to split finances like this when married, especially when you have children. The fact that you haven't even talked to him about it but have come on Mumsnet first just shows that your marriage is a bit dysfunctional tbh. If I or my DH ever had a financial issue we would just speak to each other about it. It's all very well having split finances but if you are married there is actually no such thing. All earnings are classed as joint assets within a marriage and that is how the courts would treat it if you were to get divorced. And your husband "owing" you money for a holiday? How ridiculous. I'm not actually sure that marriage is really for you.

saraclara · 05/03/2024 18:28

How HMRC letters are sent

https://www.gov.uk/hmrc-internal-manuals/debt-management-and-banking/dmbm512700

My DH has hidden his true income from me... but why?!
telestrations · 05/03/2024 18:28

Though it's not what we do I was with you untill...

"when I was on statutory maternity leave / pay I saved hard and used my savings to see me through both occasions. DH didn't top me up. It works both ways! It works for us"

This is not fairness or independence it's absolving your partner of responsibility for his own family just as you taking on the family savings and holidays is.

BIossomtoes · 05/03/2024 18:32

It's all very well having split finances but if you are married there is actually no such thing. All earnings are classed as joint assets within a marriage and that is how the courts would treat it if you were to get divorced.

The last bit’s right, the rest is bollocks.

WimbyAce · 05/03/2024 18:33

We have the same set up as you, pay into joint account which bills come from, anything left we keep for ourselves. Works well for us. Also same in that I have always been a saver. Would drive me mad if I could see what he was spending so it's better for me that we have our own money as such.

PurpleTrees123 · 05/03/2024 18:40

Letter is open.... it is legitimate.

It's from HMRC
It's about an overpayment of tax for the year 22/23.
It states his income for the year and his adjusted tax code for the year.

There's about 4 pages and some leaflets about over /underpaying tax

The 2nd letter was a new tax code for 23/24

The final letter was a cheque for the overpaid amount (£200).

All legit.

I'm doing kids bedtime, but I'll try and get an non identifying photo for those who want evidence... what would you like and I'll do my best to deliver!

And no I did not open the letter myself. I've never done that and never would. I honestly saw the amount though the envelope window.

DH and I had a chat. It was from 22/23. He got a big lump of commission in one go and used it to pay of some small debts, then kept the rest to live off during his lower paid months and top up his income.

I'm not overly happy he let me think he earned about £42.5k plus commission (so I assumed about £60k). but hey ho. We will probably re-think they way we do finances so it's more transparent. Something to think about.

No second family
No expensive secret holidays
No gambling
No drugs.

OP posts:
IAmAnIdiot123 · 05/03/2024 18:42

I would hazard a guess that this is a scam. I have never recieved a letter from HMRC showing my salary at the top, certainly not in a tax code change notification. I would just raise it with him.

GabriellaMontez · 05/03/2024 18:45

Wow. I'd really struggle with the way he glossed over that.

Whilst pretending he was sorry he hadn't paid for the holiday...

Have you seen his income for other years?

IAmAnIdiot123 · 05/03/2024 18:46

Obviously posted before page refreshed to show update. Wow that sounds dodgy that they sent a letter showing that through the envelope. I would raise a complaint about that.

Split finances when you have kids are hard, it's not something I would agree too, maybe you need to change the way things are done so you have more knowledge about what is going on. If he is getting into small debts etc whilst you are saving loads, there is clearly a disparity on spending allowances.

SanctusInDistress · 05/03/2024 18:47

Assume he has an ‘emergency’ savings pot that you don’t know of!

ChateauMargaux · 05/03/2024 18:49

So it's 50/50 when he 'earns' more... when you earn more, the excess becomes family money and somehow he has managed to spend an additional 37k last year on a 'few small debts' (from what?? If all family spend is accounted for and he doesn't have any other costs) and 'topping up his income'... again.. to spend on what?

Shetlands · 05/03/2024 18:50

Thanks for the update. I'll repeat my previous post that I'd want to see his tax returns for the last 10 years or his bank statements because now I wouldn't trust him.

Ohhbaby · 05/03/2024 18:51

Ughh I would never understand separate finances. Because then it's 'my' money. And I can spend it as I like as opposed to what the family needs. Also if you have separate finances, why is it a problem that he spent the rest on himself? Thought that was the arrangement...

topcat2014 · 05/03/2024 18:55

It could be a pension forecast. If you are young then the sums you need to live on in retirement will seem enormous if you ignore inflation

Shetlands · 05/03/2024 18:56

The main issue here is that the OP has been saving and spending it on the house and family on the understanding that her DH didn't have enough income to do that. She's been deceived and that's what the problem is. Separate finances aren't a problem if you have transparency and trust, which the OP assumed she had but has now learned she hasn't.

Naunet · 05/03/2024 18:56

BIossomtoes · 05/03/2024 18:11

She was happy for him to pay half the bills when she thought his income was less than half hers. It smacks of being hoist on her own petard.

What you mean in exactly the same way he did when she was earning less?

Swipe left for the next trending thread