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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:
Onthemaintrunkline · 16/06/2024 08:31

Crikey, he’s sort of running your show isn’t he. Actually…..delete ‘sort of’.
You sound like an exceptionally smart woman in all areas save one. Financial freedom in a marriage is your right.

supersop60 · 16/06/2024 08:33

At the start of the thread, I thought uour DH was a bit of a dick.
Following your updates, its clear that this is financial abuse.
Is this going to be your life story, OP?

ThreeEggOmlette · 16/06/2024 08:34

Just read the update about his spreadsheet.

Frankly. Fuck that shit.

You have the power to change things here, as the bulk of the family money comes to you.

I'd suggest you put the same % of your salary into the joint account as Scrooge McDuck to cover the household bills. The rest remains with you - as you feel the need to build up some running away money family savings in your name. This should not be an issue for a normal person in a normal marriage other than maybe asking 'why the change? Because you've got all the savings at the minute and I'd like some in my name too'

No doubt he will panic because you're taking back control, but let him flap & be disdainful & show his true colours. The party's over dude, loosen the grip & put your face straight.

I'm very wary of people here saying 'as the high earner, you get the say' as that's nothing more than the flip side of this financial abuse, BUT it should always be fair & proportionate & nobody should be cap in hand for essentials like shoes FFS.

Edit for typo.

TheBelmont · 16/06/2024 08:34

Generally when it comes to money, what he says goes.

I could feel my fury rising when I read this sentence…ask him why this is the case when he contributes so little financially. How would he cope financially without you?

DoubleTime · 16/06/2024 08:36

Another thought, inspired by other posts, why do you think it is that you don't ever get to see the finance spreadsheet OP? Are you sure you have savings ?

Iamnotalemming · 16/06/2024 08:37

First well done on your studies and what you've achieved with your career while raising a little one 💪
Second, I think you're right when you say you need to build up some financial independence. You are allowed to contribute to the joint finances and build your own savings. You know how much is needed in the joint account each month - reduce your contribution so it only covers that. Keep the balance for your own savings. Sell anything you paid for on eBay - you keep the proceeds.
Somehow you've ended up in a situation where he is dictating how your income is spent. That's not an equal relationship.

IVbumble · 16/06/2024 08:42

He'd look at me with distain and then be aloof, superior, disapproving and distant.

Ignore all that sulking toddler shit - he'll escalate it if you do but eventually give it up if you ignore it long enough.

Make sure you are your normal lovely happy breezy self throughout. He doesn't get to dictate your feelings. Twat!

crochetmonkey74 · 16/06/2024 08:44

justasking111 · 15/06/2024 22:09

I'd open a new account and start putting money into it every month. Then birthday money etc.

OH and I wouldn't be telling him about any other pay rises.

100% regardless of the ring you need your own money in an escape fund.
You can be happily married and still have this it doesn't mean you wnat to escape, just that you can. Or that you can buy lunch/go for coffee without feeling guilty

crochetmonkey74 · 16/06/2024 08:45

DoubleTime · 16/06/2024 08:36

Another thought, inspired by other posts, why do you think it is that you don't ever get to see the finance spreadsheet OP? Are you sure you have savings ?

God please insist on this. My friends husband had gambled all theirs away and she didn't know!

Nottherealslimshady · 16/06/2024 08:46

Very simple plan then. This new pay rise you've got, doesn't go in the family pot. Continue your contributions the same amount as you always have. What's left in your account is yours to spend without his supervision.

I do agree with what a pp said. Rather than this ring being a family heirloom that has so much value to him that he gave it to you to show the love and trust and family he shares with you.... it was just free OP, he didn't have to waste any money on you.

HidingFromDD · 16/06/2024 08:47

He’s a reverse snob, thinks he’s ‘better’ for living simply and being frugal. I’d suggest that you tell him you support his desire to live simply and match his contribution to the house. Keep the rest in your own saving account.

He Doesn’t prioritise you and is controlling so at some point you’ll need that money to leave anyway.

madameparis · 16/06/2024 08:47

Why do his beliefs and decisions about money trump yours? Why does he think he is your boss?

It doesn’t matter who earns more or less, you should be equal partners who make financial decisions together, both sometimes compromising.

You have explained to him several times that the wedding ring is important to you, a priority. He has decided that it isn’t a priority to him and so that means it doesn’t happen. It’s a very selfish attitude.

I could not be married to anyone who thought that their wants/needs/decisions were more important than mine. I would be having a very serious chat about his attitude and asking why he thinks his decisions/wants trump yours.

Bollindger · 16/06/2024 08:50

Sit him down, tell him you want to see how much money you have as a family.
When he says no, or you don't need to tell him why?
Do not talk just wait.
Listen to his answer and say are we a couple? Then please show me.
Repeat repeat

fungipie · 16/06/2024 08:50

Bellsandwhistle · 15/06/2024 22:14

Honey get yourself down to the jewellers mi day morning and just do it! Put the ring on your finger and wear it with joy. If he goes mad you know you have more than a ring problem.

This- honestly. Enjoy.

justasking111 · 16/06/2024 08:51

AppelationStation · 16/06/2024 01:01

We also both uave a government Help to Save account which we started while I was a student. We each pay the max allowed in each month.

He has a spreadsheet which calculates earning, bills, borrowing and balances. He looks at it, and our joint account transactions, every couple of weeks. I don't have access to it.

@AppelationStation

I'm very concerned that you have no access to the savings account. That has to stop now. Is it even in joint names?

You say he has debts do you mean student loans or something else?

TiredCatLady · 16/06/2024 08:53

I was fully expecting you to say “we’ve got £20k of debt already and it’ll cost £2k to fix” at which point I would have gone with your DH…

But you’re not and it’s £230! It sounds like you’re flogging your guts out to do better and feeling like you’re not getting anything in return. You shouldn’t have to have a debate with your DH for things like properly fitting shoes and clothes for yourself of the kids, especially if you’re the higher earner.

I fully get the saving for a house etc but in the grand scheme of things £230 isn’t even going to pay for the standard searches. Are all of your wages going into the family pot? Do you keep anything back for yourself? I just saw that you don’t have access to the budgeting spreadsheet or potentially the joint savings - that needs to change right now.

I would say get the ring fixed but you have bigger problems.

Mumof2studentnurse · 16/06/2024 08:59

Hi :) I think a few people have mentioned this already, but finances are one of the main reasons for relationship issues (I am kind of going through this myself a little bit) so I can relate.

I was watching something that Steve Harvey (American tv presenter) had posted - he said that a financial advisor told him this - he said that married people should have a joint account where all the bills and expenses are paid. They should have a savings account where an agreed % or amount is paid into every month for house deposits or holidays or whatever it is people are saving for, and then each person should have some agreed amount of personal spending money - you don't get to comment on what your husband spends his on, your husband doesn't get to comment on what you spend yours on. I thought it was quite good advice because you should never feel bad for being able to treat yourself to something you want, so having that 'personal' spending amount means you can enjoy the things you spend money on, without feeling like it could have or should have been 'better spent' elsewhere.

We are still trying to figure out our best financial ways of working after over a decade of marriage so I am no expert, but I did like Steve Harveys advice :)

I am so sorry that your husband isn't showing much support in helping to fix your ring though, I don't know what your personal views or beliefs are, but a wedding ring/engagement ring is a symbolic gesture for the promises we make to each other...I suppose what i'm trying to say is that I can see why having the ring fixed is so important to you, and i'm so sorry that other things are taking priority.

Congratulations on your new job OP! It sounds like you have worked your socks off - so well done you :)

Take care x

TiredCatLady · 16/06/2024 09:11

Hang on - I’ve had a cup of tea and re read your posts OP. This is full on financial abuse.

You’ve access to the freedom programme, please use it.

I’d be very concerned as PP have said that the “savings” might not exist for various reasons. As a start, try to get hold of any and all bank statements you can. Go back as far as you can. The statements from your joint account should show withdrawals to the savings account. Check your personal credit score, check it now. Check there are no products on there you haven’t personally agreed to.

You deserve better and you will have better.

Saintmariesleuth · 16/06/2024 09:11

I'm sorry you're in this situation OP. Unfortunately, I think he is taking you for a ride. He seems quite happy for you to put the effort in to earning more and developing your career, makes no extra effort to improve the family circumstances and then stops anyone from enjoying the extra money.

The situation from your updates, as I understand, is:
What he has said to you (not believing in accruing credit cards, debt etc) vs his behaviour (you say the debt that has been accrued on a credit card recently is his) doesn't correlate. Then, instead of using your pay rise to pay off the debt, he is stashing it in a savings account that you have no access to. He also seems to be making no effort to increase his earnings to pay off the debts that he has accumulated. Written out like this, I hope you can see he is at best taking the piss, and at worst being financially abusive.

A separate (but equally important) issue is that he never prioritises you or make you feel special.

OP, I think in the longer term you need to step back and think about this relationship- can you imagine being married to this man for the rest of your life? It sounds like you will need to argue with him every time you need to buy new knickers, let alone a plan a holiday. It sounds utterly joyless.

In the shorter term, you need to sort out a fairer split of the finances and have a review of all the household accounts (including his savings accounts) and work out a budget from there. For a start, he should be paying off his debts before squirelling money away in to savings.

Also- go and get your ring fixed. He has savings so you can spend some of your 'savings money' on this. I love your idea of replacing the diamond with another stone and adapting it you.

Nanny0gg · 16/06/2024 09:14

AppelationStation · 16/06/2024 00:07

He wouldn't be outwardly angry. He'd look at me with distain and then be aloof, superior, disapproving and distant.

Do you want to stay with him?

(I can't see why)

DedicatedCakeEater · 16/06/2024 09:15

Do you have house insurance with contents covered? That may cover it.

I'm not sure it's fair that he gets to be in a low paid industry he loves, you've worked your arse and increased income, and you can't do this.

3luckystars · 16/06/2024 09:17

You seem really smart and ambitious.

Love is blind but I think you are starting to see what’s going on.

Don’t let him hold you back.

DedicatedCakeEater · 16/06/2024 09:19

I've read the thread now. I think I'd give the ring back, it's no use to you like that. He sounds awful. I'd be buying myself a 'well done me' ring and considering whether I want to be undervalued for the rest of my life.

Topofthemountain · 16/06/2024 09:21

Do not buy a house with this man, it will be so much harder to detangle from him.

At the moment you can't see the wood for the trees, but this doesn't need to be your life. Set yourself free.

SecondRow · 16/06/2024 09:27

OP, I genuinely haven't even advanced searched, but here's how it went for me reading this thread:

–While reading the part of your OP about his happily lower income job, I thought, something about this seems familiar.

–When another poster @-ed your user name I remembered: the camper van (how was the holiday in the end?)

–When somebody else in this thread wrote the word "selfish", more came back to me: the washing up.

So, what thread do you want to be writing on here in another year's time?