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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

DH and the broken engagement ring

355 replies

AppelationStation · 15/06/2024 21:55

Short version: One of the diamonds has fallen out of my engagement ring. DH says we can't afford to fix it as we're trying to save (which we are). AIBU?

Long version: When we got engaged DH gave me a beautiful, old engagement right that belonged to his grandmother and her mother before that. It''s the nost special object I've ever had.

A couple of years after we got married, one of the diamonds fell out. We searched and searched but couldn't find the stone. That was 5 years ago. Since then, it has been sat in a box in my dresser.

We have been very hard up for most of our marriage, so I could understand not getting it fixed. Diamonds are hardly a priority when you're struggling to pay the bills. In the last 12 months things have been much better, largely down to me going back to uni through the pandemic, acing it whilst also homeschooling our young son when schools were shut, working my arse off since I qualified and almost doubling my salary in the last 2 years (it was low to begin with so not that much by mumsnet standards but still a big achievement).

DH earns barely above minimum wage in a skilled job that he adores and is brilliant at, but is in a v low paid industry. Whenever we've had conversations about money, his job has never been a thing he is willing to consider changing. He will always be a low earner, and any change to our circumstances will have to fall to me, hence my recent career decisions. I, on the other hand, am often criticised for 'spending' - even kids shoes that fit properly or kids clothes (or my own) that are not second hand are seen as self indulgent and wasteful. I've felt some resentment towards him because of this over the years, though now I just accept it, and can see a benefit to one of us not being massively stressed by huge responsibilities all the time. He's a very playful, present father to our DS. He's also very careful with money, organised and disciplined, which I'm grateful for. He is definitely a 'save until you can afford it' person. He consideres any (0% interest) credit card debt, or overdraft debt, however small, as a sign of trouble and would rather eat beans and not go on holiday and pay it off straight away, than accept a small amount and paying it down slowly and affordably. We have a 2.5k loan we used towards the cost of a vehicle last year, and about £500 in cc debt. We have no other debts, mortgage, car loans etc whatsoever.

I recently had a pay rise that equated to about a 20% increase. We agreed we would live as we currently do for the next 6 months, pay everything off and save more towards the deposit for a house (currently renting). I suggested we could look into the cost of getting my ring fixed and maybe do that too, as a kind of treat and gift to myself having worked to hard to get here. Today we found out that it would cost about £230. DH refuses to do it. We need to save the money / pay off things first, it's not a priority, no one needs a ring. Generally when it comes to money, what he says goes.

Now, I don't want a ring fixed with reluctance and resentment on my wedding finger, so I've had to drop it. But I feel a bit hurt tbh. More than I'd like the ring to be able to wear again, I'd like DH to feel proud of me, and grateful for how hard I've worked, and sad that I've not worn the ring he gave me when he proposed for the last 5 years, and for him to want to get it fixed too. He just doesn't really care that much.

I said "what if I could find the money somehow, maybe sell a few things?" (clothes, old kids stuff etc) and he replied "then that money should so into the pot, not get spent on stuff we don't need". So even as the higher earner, by some margin, I lack the agency to make this decision.

He says we'll fix it one day. When is it ever going to be a priority? I look at my wedding finger and feel a bit sad. The ring sits in a box. How old will I be before I can wear it again? What's the point of it if I can't?

I don't know. Sorry for the long post over a totally 1st world problem. It's not the ring, it's his attitude. Is he being tight fisted and mean, or AIBU?

OP posts:
mandlerparr · 18/06/2024 00:45

I can't figure out if you said you have access to the joint account or not. But, if it is a joint account, you have access. If he refuses to give you the sign in information, you can go to the bank and access it that way. Also, if you don't have access to the joint account, stop adding to it. I don't give a hoot how much you love him or how nice he acts when happy.
Never ever give another person full control over your money, your identity, your credit. I don't care if it is your mom, dad, spouse, priest, an accountant that has been in business for 50 years. You should have full access to all things in your name. You should have full access to the money you earn, not just a piddling $100 that you only guess at because you have no clue what money is actually going in and out of your life.
And if is lack of giving you that information is because he doesn't know and not because he is hiding that is even more reason for you to have access to it and see what is happening. You are either putting your trust in someone who is outspending your earnings or transferring it from the joint account to his savings (I don't care how many times he says it is for your own good, NO!) or you are dealing with someone who has no idea how much you all are earning vs spending but still setting aside money for just himself while racking up debt and blaming you for it.
I really hope that you have access to your account and that you are going to start paying attention to your family spending and earning and savings.
You don't want to wake up in 20 years, find yourself 60,000 in debt or more with your name used to open accounts and find out how many lies your husband has been telling.

mandlerparr · 18/06/2024 00:49

And if he makes a face at you, tell him if he keeps doing that his face will stick that way and everyone will see him for who he really is.

Grapesgrapes · 18/06/2024 02:31

AppelationStation · 17/06/2024 22:25

Thanks for all your posts. It's a lot to take in.

I don't know if it's financial abuse, it sounds worse written down. I donhave access to our joint account. I try not to use it to buy a coffee or clothes or anything because I know it will get scrutinised. I do keep a little bit back for myself (100 or so) for this reason. Its never enough to cover kids clothes, new face wash, whatever is needed that month.

I have asked for the spreadsheet and it's been shared with me. I haven't gone through it yet. I asked how much spare money we had at the end of the month, and he said what we should have, and I said "is that including my payrise?" and he said "yes". So I said "how the hell did we cope before then?" because it seemed a low amount and he said, "oh, maybe not, I don't know". That worried me.

I honestly think he's not super controlling, there's no malevolence (i dont think he could be arsed to calculate) he just thinks he's right all the time. And, if i'm honest, I don't think he really cares about me the way someone in love does. I think I'm the mum to his kid, and he likes things about me, and he wants life to be the way he wants it and thinks anything else is wrong. If he really loved me (as I do him), he'd put himself out. He seldom does.

I know mumsnet loves a neat ending but this isn't going to be one. I want to make it work. I want him to see my self worth. And if I can't have that, maybe I just need to find a way to manage until DS leaves home. But I will.plan and protect myself more in the meantime. I'm seriously reconsidering the house purchase.

Go easy on the LTB. Other people's lives are very black and white when you read them on social media posts. It's always more complicated than that.

If he really loved me (as I do him), he'd put himself out. He seldom does. I know mumsnet loves a neat ending but this isn't going to be one. I want to make it work. I want him to see my self worth. And if I can't have that, maybe I just need to find a way to manage until DS leaves home.

He's not going to change. If he hasn't seen your self worth already then he never will. Why wait until your son leaves home? Get your money out of that 'joint' account!! Keep your salary in your individual account.

Please don't stay with this man as he's just using you.

TimetoPour · 18/06/2024 02:56

I think you need to sit him down and sort the entire situation out. The ring is supposed to be a symbol of his love for you and refusing to fix it tarnishes that feeling. However it is not just about the ring. You are his wife and you earn a substantial amount of the income. Why does he get to say what every penny is spent on? He is not treating you as an equal and that is not ok. I would want to see and have access to all the family money too. It is admirable to be careful with finances but to live a joyless life because you are squirrelling away every penny is sad.

Codlingmoths · 18/06/2024 03:49

You’ve noticed the extra in the spreadsheet doesn’t tally with your payrise- pay attention to the amount he has left after his contribution, and the amount his contribution varies as he ‘funds his overdraft’ he’s not just frugal, he’s deceptive and selfish and controlling. He’s spending money, it’s not in the spreadsheet and he’s not telling you, as well as he’s saving money because it’s not in joint but you don’t get to do that.
i know it’s not black and white but PLEASE change your contribution to the joint account. Lower it to what he contributes. You will feel so much more free knowing you’re growing savings and he can explain why you have to put it all into the pot and he doesn’t, and why you have to put it all in to the pot but dont get a say in the budget. You are worth it.

myladybelle · 18/06/2024 05:06

If it was not an heirloom honestly I'd sell the ring and buy yourself something nice instead.

DracoDormiensNumquamTittilandum · 18/06/2024 05:35

MrsClatterbuck · 17/06/2024 23:50

I don't understand how you don't have access to the joint account. Retired now but in my 38 years of working in a bank I definitely don't recall seeing or opening a joint account that only one person had access cess to. I have seen where both parties if two account holders had to sign to withdraw money. I would be going into the bank and making enquiries. Bring ID. If your name is on the account I don't see how they could refuse to talk to you. I would be asking for a debit card depending on the type of account.

She said she does have access to the joint account but doesn't use it because he would scrutinise every coffee purchased

Sparklfairy · 18/06/2024 06:39

DracoDormiensNumquamTittilandum · 18/06/2024 05:35

She said she does have access to the joint account but doesn't use it because he would scrutinise every coffee purchased

Which is almost worse. A grown up having every purchase questioned is no way to live.

Don't you ever feel down going to work? No matter how much I loved my job I couldn't help thinking 'What's the point in earning money, I don't see any of it anyway'. I've actually been in a relationship similar to yours, and it's really demoralising, degrading to basically bust my ass at work, only for payday to roll around and there's no 'reward' at the end of it. The money went into a black hole that expanded if my salary went up, so no matter what it was always 'we can't afford it'.

The upshot is that it was my self esteem that took the real hit. The ex's priorities became my priorities, but my wishes and needs weren't important. I wasn't a person in my own right, I was simply a vessel for him to augment his income so he was more free to do the things he wanted to do.

It's worth saying he didn't spend lavishly, most of it was savings. He took a weird pleasure in hoarding money with no purpose, and resented the idea of 'fun money'. The face pulling, the disdain, the superiority of 'You don't need it' and all I could think was 'It's a fucking coffee...'

Despite my experience, I think you're right with your latest updates. It is possible that things have simply slipped into the current status quo. You haven't really upset that status quo yet, and you need to to know what you're dealing with. There's absolutely nothing wrong with staying, as long as your eyes are open. MNers are always here for advice and I think you're discerning enough to read between the lines of the range of responses. I hope it works out for you Flowers

Fingerscrossedfor2021HK · 18/06/2024 07:10

He sounds dreadful but this isn’t really about the ring. I could not respect a man who denied my children properly fitting shoes so that he could indulge himself in a low paid “career” while I slaved away to put food on the table and clothes on our children’s backs. I would think v carefully before buying a house with this man. He is showing you who he is: believe him. Fix the ring with your own money if it will bring you joy (or, as I would do if I were in your shoes) have it remodeled using the original diamonds and get your ducks in a row to leave him!

Fingerscrossedfor2021HK · 18/06/2024 07:14

Just saw about the joint account. Take out your portion right now! I know how this story ends if you maintain the status quo - not well for you. Thankfully, you have a good job so you can manage alone. What sort of role model is this freeloader for your son? I know you say he is a present and involved father but why do we let men get away with the bare minimum? You are lucky to be in a financial position whereby you have the ability to choose whether to stay or go. I work urge you to consult a solicitor re the latter. You sound lovely and you deserve so much better!!!

SecondRow · 18/06/2024 07:24

I want him to see my self worth.

That will start with you valuing yourself, won't it?

You deserve to wear your engagement ring just because, not only because of your achievements. Thankfully, because of your achievements, you can also afford to start wearing it again.

You are allowed to find meaning in the symbolism even if he doesn't see it the same way at this moment. Things do ebb and flow in a marriage.

You can live your own values even as they relate to this symbol of the marriage, without his permission.

Maybe later he will value that you did, that you showed your commitment at a difficult time – or maybe he won't. But that's why it's SELF worth, it's a good in itself whether others share it or not.

Bunchymcbunchface · 18/06/2024 07:47

I voted YABU purely on the fact that you have let him decide what you both do with your money

Bumblebeestiltskin · 18/06/2024 07:56

AppelationStation · 17/06/2024 22:38

He's just popped into the bathroom to offer me a drink and ask me to taste some rose syrup he's made. He's done the dishe, bedtime, and run me a bath. Happily. He's not all bad. But good people can behave in bad ways and do bad things. I do know that.

Marriage is hard.

It's really sad to hear how low your bar is. You openly say you don't think he loves you, but you don't want people to suggest you leave.

Genuine question - what do you think you're teaching your DC by staying in this relationship?

Sharptonguedwoman · 18/06/2024 09:01

AppelationStation · 15/06/2024 22:09

I went to a proper old fashioned jeweler, who does repairs himself on site. He said he would use an old stone so it matched well with the others, and knocked a bit off for the work because he could see I was unsure I could afford it. From what I've read, and given the size, it seems the going rate to me.

Put £1 a day or a week into a pot that's just yours. That's your ring pot. Even if it's slow progress, you know you are building a fund.

godmum56 · 18/06/2024 09:05

all these people who post about how to fix the ring problem as though that will fix the relationship.........

eatreadsleeprepeat · 18/06/2024 09:05

I can empathise with some aspects of your situation and you have my sympathy. And my respect for what you have achieved in the last few years. As much as you need financial independence you need to value yourself more, you feel he doesn’t value you and that might have, over years, coloured your self worth. If you can genuinely believe that you deserve things you will argue for them more effectively.
You need to alter the balance of financial control within the marriage, decisions should be joint. He chooses to remain in low paid work and compensate by being frugal, you choose to better your prospects and bring in more money. Neither is right or wrong and you have each respected the other’s choice.
You use the money you keep back each month for your child before you, nobody prioritises you, including you, so you lack things which give joy rather than being absolute necessities. A little joy is very important.
Only you can change this and him giving you the spreadsheet might be your way into starting the conversation about change, you know him best so can decide how to present it. Work out what you want the financial relationship to look like. Maybe arrange an appointment to chat, maybe outside the house so it is less inclined to get shouty, maybe write down some of your points if he finds talking uncomfortable. I doubt change will happen overnight but might be worth working on.

Eventmrs · 18/06/2024 09:36

Just a thought, but will your house insurance cover the repair?

GoneFishingToday · 18/06/2024 09:59

MrsClatterbuck · 17/06/2024 23:50

I don't understand how you don't have access to the joint account. Retired now but in my 38 years of working in a bank I definitely don't recall seeing or opening a joint account that only one person had access cess to. I have seen where both parties if two account holders had to sign to withdraw money. I would be going into the bank and making enquiries. Bring ID. If your name is on the account I don't see how they could refuse to talk to you. I would be asking for a debit card depending on the type of account.

This is GREAT advice OP! Please take it.

godmum56 · 18/06/2024 10:08

Eventmrs · 18/06/2024 09:36

Just a thought, but will your house insurance cover the repair?

its not the ring its the relationship!

OlderGlaswegianLivingInDevon · 18/06/2024 10:23

' I want him to see my self worth '

He knows your self worth !

He knows he earns minimum wage in a job he likes and refuses to leave to earn a higher income

He knows you earn more than him

He knows you have put yourself out ' working my arse off since I qualified and almost doubling my salary in the last 2 years '

he doesn't care !

He knows he can't afford to buy a house on his wages

He knows he needs you to help him buy that house

He knows he can't afford a family, he knows he can't afford shoes for his children

but ' He's a very playful, present father to our DS. ' wow ! what high expectations you have !!!

and he runs you a bath !!! wow ! what a prince of a man - does he have a line in the bath where he stops the water at ? after all water is not free !!!

' He just doesn't really care that much. ' and that is it, in a nutshell !

why don't you find your bar, never mind raising it !

he's got a lovely meal ticket in you, he can't afford to lose you.

what have you got in him ?

apart from a man that sucks all the enjoyment out of life

why do you love him so much

' if i'm honest, I don't think he really cares about me the way someone in love does.'

never mind the ' in love ' does he even love you

Ilovecleaning · 18/06/2024 10:33

Just get it fixed and pay for it yourself. He will just have to deal with it.
OR tell him it’s a CZ?
Such a waste to have it lying in a box.
you need to put your foot down or he’ll end up ruling you forever.

JoleneTookHerMan · 18/06/2024 10:41

Fix your ring and wear it because there will ALWAYS be something else that needs paying and buying.

To have the ring shut away in a box never to be worn, you might as well sell it and use the money elsewhere.

sassyclassyandsmartassy · 18/06/2024 11:13

As someone who lost a father in very similar circumstances to your own, came from an upbringing where money was not abundant and worked all hours whilst we were young to gain financial security only to die before he could enjoy the fruits of his own labour, I learnt the same as you... that life is too short. That doesn't mean you should make stupid decisions around money and run up umpteen debts, but it does mean that when you have the money to do the small things that make you long term happy you should not put them off!!! Get the debt paid first and then get the ring repaired.

Sit him down, explain this, explain how by not prioritising this one thing you see it as a metaphor for how important you are in the marriage. You feel it symobolises your love and commitment to one another which is why you wish to prioritise it. Say that, knowing how it makes you feel, you hope he would understand. Not all decisions are unilaterally his!

If he still doesn't get it, explain that this whole situation has opened your eyes. You feel you finances need a revisit, moving forward you think it is best that you both pay into a joint account to cover bills and another savings account where you contribute the same each month and anything left over thereafter is each of yours to do with as you wish from then on out. This way you never have to justify yourself again and it might focus his attention on making a greater contribution!

I once was in a financially controlling relationship as the higher earner and, as others have said, it is like death by a thousand small cuts and joyless. I learned very quickly that I never wanted to be back there! My husband is amazing and would never be like that, but, we have always run the joint and separate scheme in our home as he understands I will never put myself back there again for anyone! That doesn't mean I am tight, I use my money to treat myself, my husband and my SS12, but it's my choice!

Sharptonguedwoman · 18/06/2024 13:16

godmum56 · 18/06/2024 09:05

all these people who post about how to fix the ring problem as though that will fix the relationship.........

Well, agreed, really. Even if OP can ring fence a fund, I suspect DH will be difficult about spending the money,

Theoscargoesto · 18/06/2024 13:38

You’ve had 14 pages of advice so I hesitate to add to it-but what a sad story. To me, repairing the ring is symbolic. To invest in it, you have to see that it brings you joy and that you deserve to have, first, recognition for the hours and the stress of studying, of a well paid and responsible job, and second an acknowledgment of what you put in to this relationship. And third, as others have said, you deserve joy, to be able to look at a lovely thing and know it’s for you and your husband loves you.

@AppelationStation it seems to me that you don’t value yourself, your contribution (the language you use about what you have achieve suggests that), and just maybe you don’t love and value yourself much. Maybe that is a place to start from….. and use some money on a process to learn to appreciate your own worth. Then your marriage and the ring will sort themselves out in time.

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