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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Being so tight with money?

984 replies

Rockrose94 · 08/07/2024 21:31

For context I have been with my boyfriend for 4 years, we live together and split the rent / bills 50/50. Our take home pay is very similar and I have an extra outgoing of my car finance which he does not. We effectively keep our finances completely separate, I worry how this will work long term as he has said he does not want to share finances at all as he has more savings.

Anyway the main issue just now is 1) he has bought me dinner once in 4 years, for my 30th birthday present. I took him on a foreign holiday and presents for his 30th. I have paid for nights away and meals for us several times when he has said he can't afford it as I wanted to treat him. I don't do this often any more as it's never been reciprocated 2) we split all food shops evenly but usually do our own meals during the week as I am dieting. He just stood for half an hour itemising up every item on the food shops over the weekend to come to the point that I owe him £2.50. Note that he will charge me half of the food we share but he would likely eat 2/3 of the meal. AIBU to be tired of this? It feels so tight , do other people itemise everything and charge their partner almost to the penny?!

OP posts:
GoldEagle · 09/07/2024 18:37

Do not stay with this man, instead imagine what he would be like if you got married because believe you me, they get worse. No bloody wonder he has more savings than you. He is a miser and your life will be more miserable and you will end up resenting him even more. Run as far and as fast as you can.

ilovegranny · 09/07/2024 18:41

I was married to a man who was incredibly mean with money, even though he earned a lot more than I did. This meanness was also reflected in his emotional involvement; he had no concept of the joy of giving. It was the main reason we divorced.

Chypre · 09/07/2024 18:43

Even in the office environments whenever anyone is bringing the milk/sugar/napkins/biscuits, people (who just happen to spend time at the same office, not friends, not partners) are less stingy than that...

SpiritOfEcstasy · 09/07/2024 18:44

It’s never just money. That’s just the tip of the cheapskate iceberg. He will be mean with his time, his compliments, his care…money is just the most visible sign of a true miser.

Clarabell77 · 09/07/2024 18:45

No it’s not normal. It sounds like you’re a couple of students sharing accommodation. He won’t change. He’d have to go.

6pence · 09/07/2024 18:46

Show him this thread op?

He knows he’s being mean. He doesn’t want his friends thinking of him as mean so he’s more generous with them.

Bulkypeepants · 09/07/2024 18:50

Can you get him to 'square up' first before you dump him? I would say 'oh yeah, speaking of the £2.50 that I owe you, you still owe me £xxxx from x y z that I paid for you miserly dickwad'

usernother · 09/07/2024 18:55

He sounds horrible OP. The fact he is like this with you and not other people is very concerning. What a joyless way to live. Get rid of him. You deserve better.

Busybeemumm · 09/07/2024 18:55

OP please do no waste any more of your time with this man- he will NOT change. He might for a little while but will be back to his default self.

If you stay with him, then you will become like him with the tit for tat tallying up and keeping stock of a few pounds here or there. This is no way to live your life. This will spill into your time with friends and find you don't get asked out as much as your DP is too concerned about you spending money out when childcare is so expensive etc. This leads to you being more and isolated. That is what he is ultimately trying to do. This is violence of the worst kind as it's not so obvious as having a black eye.

Set yourself free, find someone who deserves you, maybe have some counselling to get your self esteem back on track.

Lampzade · 09/07/2024 18:56

One of my dealbreakers is a stingy man. You will forever be miserable
When I was at university I was dating a guy who had a well paid graduate job.
I was going through a difficult time and asked him to spend some time with me.
He duly obliged but asked me to pay ten pounds for his petrol.
He became an ex that same day
Run for the hills

Dishwashersaurous · 09/07/2024 18:56

This is not a relationship. End it now.

You are not a partnership.

You are flatmates, but even flatmates aren't that tight.

DuckbilledSplatterPuff · 09/07/2024 18:58

6pence · 09/07/2024 18:46

Show him this thread op?

He knows he’s being mean. He doesn’t want his friends thinking of him as mean so he’s more generous with them.

Yes and that is ghastly. He knows that his friends would judge him, so that means he knows its not a good look.
What really got me was when you mentioned that he has frequently accused you of being a money grabber and if you tried to talk to him about this situation he would go off on one again about it

"if he tries to convince me that I'm being a money grabber"

The utter gall of someone who is such a miser, trying to make out that you are too.
I think this is like people who lie a lot. They are very quick,when anyone challenges them to protest that the challenger is the liar. They are so tuned into what they would do, they think everyone thinks like that. In this case, he thinks everyone is counting up the beans.
He places a lot of value on how many pennies everyone has, has he ever given a clue that might point to why he thinks like this? Does he add up how much potential inheriances might be? Does he obsess about other things too?
There's an element of competitiveness in this. He wants to make sure you don't get one over on him. He wants to win the contest.
Doesn't make any difference to how appallingly he's behaving, just wondering aloud why someone would do that.

fetchacloth · 09/07/2024 18:59

You'll never have any money to call your own whilst you're with him. He'll spend it all for you.
Prepare to exit from this as it will end in tears.

unospaghetto · 09/07/2024 19:00

Rockrose94 · 09/07/2024 11:04

Thanks, sorry I probably jumped to being defensive there and took it harsher than you meant. Part of me wants to discuss it and see if we could change how we work finances and obviously would have to discuss long term plans and I would walk away if he doesn't want to change. But the other part of me isn't sure it's even worth it and might be an opportunity for him to manipulate things so I doubt what's going on again so I really don't know at the moment

OP listen to that other part of you that thinks it’s not even worth it. This behaviour is so extreme and ingrained, he won’t change but you might waste time hanging around to find out.

I ended a relationship many years ago after an extreme stinginess at lunch but it took me until later that week to realise how ridiculous it had become.

You sound absolutely lovely and deserve so much more.

If you want children, choose very carefully who you have them with.

Quirkyme · 09/07/2024 19:02

6pence · 09/07/2024 18:46

Show him this thread op?

He knows he’s being mean. He doesn’t want his friends thinking of him as mean so he’s more generous with them.

Show him this thread?!

Wtf. What awful advice.

Buffs · 09/07/2024 19:03

I would find this very unattractive. Please don’t have children with this man.

Clarabell77 · 09/07/2024 19:04

Rockrose94 · 09/07/2024 15:49

He's not tight in group situations at all as I think when out for dinner etc, he's probably spending more as he eats a fair bit so he benefits from going halfs etc. He isn't even tight with me in terms of splitting dinners out when we do go halfers other than limiting the wine so I guess it's more he thinks I could spend more on the shopping. I really don't know. He would buy his friends coffees etc, the difference is he makes sure I buy the next coffee but he wouldn't necessarily do that to others.

I had already replied to say this is not normal and he won’t change but I hadn’t read this. The fact he is generous with others says this is about controlling you. Feels quite sinister actually.

Clarabell77 · 09/07/2024 19:06

DuckbilledSplatterPuff · 09/07/2024 18:58

Yes and that is ghastly. He knows that his friends would judge him, so that means he knows its not a good look.
What really got me was when you mentioned that he has frequently accused you of being a money grabber and if you tried to talk to him about this situation he would go off on one again about it

"if he tries to convince me that I'm being a money grabber"

The utter gall of someone who is such a miser, trying to make out that you are too.
I think this is like people who lie a lot. They are very quick,when anyone challenges them to protest that the challenger is the liar. They are so tuned into what they would do, they think everyone thinks like that. In this case, he thinks everyone is counting up the beans.
He places a lot of value on how many pennies everyone has, has he ever given a clue that might point to why he thinks like this? Does he add up how much potential inheriances might be? Does he obsess about other things too?
There's an element of competitiveness in this. He wants to make sure you don't get one over on him. He wants to win the contest.
Doesn't make any difference to how appallingly he's behaving, just wondering aloud why someone would do that.

It’s gaslighting isn’t it. Controlling and abusive. Horrible.

FakeAlaska · 09/07/2024 19:12

Rockrose94 · 08/07/2024 21:31

For context I have been with my boyfriend for 4 years, we live together and split the rent / bills 50/50. Our take home pay is very similar and I have an extra outgoing of my car finance which he does not. We effectively keep our finances completely separate, I worry how this will work long term as he has said he does not want to share finances at all as he has more savings.

Anyway the main issue just now is 1) he has bought me dinner once in 4 years, for my 30th birthday present. I took him on a foreign holiday and presents for his 30th. I have paid for nights away and meals for us several times when he has said he can't afford it as I wanted to treat him. I don't do this often any more as it's never been reciprocated 2) we split all food shops evenly but usually do our own meals during the week as I am dieting. He just stood for half an hour itemising up every item on the food shops over the weekend to come to the point that I owe him £2.50. Note that he will charge me half of the food we share but he would likely eat 2/3 of the meal. AIBU to be tired of this? It feels so tight , do other people itemise everything and charge their partner almost to the penny?!

You know that you deserve better than this.

TiredCatLady · 09/07/2024 19:14

Not so long ago, another poster on here recounted a saying her dad used: “I’m careful but I’m not mean”. Your “DP” is very much in the latter camp. It’s not about combined finances, it’s about behaving as a couple of with each others best interests and wellbeing in mind.

Owing him £2.50 from a food shop at any point, never mind after four years and when you live together is horrendous. That’s real miserly behaviour. (And would make me wonder if he actually has as much in savings as he makes out).

This guy won’t change and unless you want to be having your future DC’s bubblebath marked down as an extravagance you “owe him” then now would be a good time to go your separate ways.

BileBeansSara · 09/07/2024 19:15

Cut this off at the head OP.

It's as bad as it can get and he clearly sees you as a rip off merchant. Lovely!

telestrations · 09/07/2024 19:15

I may be shot down for this but you are allowed to leave him "high and dry" just pack your bags and go. You don't have to explain yourself to him in the hope of gaining his permission or achieving amicable. You don't have to diligently pay your half and wait until the end of the lease, or pay him his half for any joint purchases or gifts (if you even got any) with you. You owe him absolutely nothing and it doesn't matter what he says or others think of you because of him. If there's a dog (not sure if this thread or another) just take it.

I wish wish wish I had understood this when my exH and I separated

Anyway best of luck and enjoy a new and better life OP!

SoSo99 · 09/07/2024 19:16

Metopayto · 09/07/2024 13:57

Argh, OP, this was me, 20 years ago!! I didn't take advice and ended up having children with the man. It was as bad as everyone else is saying.

I had to fund my maternity leaves, I had pay half the weekly shops, half the bills. He wouldn't pay for childcare and even said I couldn't pay for childcare either, so I became a childminder in the day time, and then I had to work an evening job once he was home. Then he started complaining that he had to drive me to my evening job and he didn't want to. Sometimes he would deliberately arrive home late from work so that I couldn't go to my evening job. Or he would just sit there while I was getting ready and then casually say he couldn't be bothered to drive me when it came to the time to leave. I asked to learn to drive myself but I never had the money and he wouldn't help pay towards it. He charged me petrol money too. In fact, he charged me petrol money for driving me to hospital when I had our DD!! (I moved in with him when I was 17, hence I couldn't drive before meeting him).
I started leaving the children with friends and getting the early bus to my evening job, but he didn't like that either because it made him look bad.

He once took me to the cinema for my birthday, then decided he didn't want to watch the film I wanted to watch, so we saw the film he wanted instead, and when it came to buying the tickets etc, he wouldn't buy me popcorn or a drink. I tried to order my drink after he ordered his, and he turned to me and said "Can you afford that?" I couldn't (my money was SO tight because I always had to pay half of everything) but I had thought because it was my birthday treat, that he would buy the drinks! I had to tell the cashier to not get me that drink actually. So he had his own drink and his own popcorn, and I had nothing.
At that point, he was earning £80k a year. I was lucky if I hit £15k.

I have a billion more stories just like this.

We spilt up after 10 years, when I was 27 and had 3 young children, no education beyond GCSEs and no career. He left me. It was the luckiest, most fantastic, amazing, wonderful thing to ever happen to me. I now have a great job, a lovely little house, a driving license and car (haha) and a life with freedom and joy. He sucked all the joy out of everything.

Please, please, please OP - end this relationship. Financial abuse goes hand in hand with emotional abuse and control. You say you feel like you are painting him in a bad light etc. But like you say, these things you are typing are FACTS. They happened. It doesn't matter that he says he loves you. My ex was just the same. Rationalised everything. Told me I didn't understand money, I was too frivolous with it, etc. I believed him!! And he was so so similar to your partner. When it was just the two of us - it was annoying, and then we had children - and it was unbearable.

I'm so so pleased that you escaped and recovered so successfully from this awful "relationship"

NotSoHotMess24 · 09/07/2024 19:18

Rockrose94 · 09/07/2024 09:16

Well we will pour 2 glasses of wine and if I drink too fast (which is often the case I will admit), I have to wait for him to fibish his to have another glass. Usually I drink rosé wine now as he doesn't like that so we don't share and can drink it as fast or as slow as I like. Btw I haven't realised how fucked that is either until I am now consciously writing it down!!

Don't blame you for drinking your wine quickly! I'd be strawpedoing it in your shoes 😬

FluffyJellyCat · 09/07/2024 19:21

You deserve so much better OP x