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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Albu to expect my husband to earn more?

117 replies

gymboe · 25/08/2025 09:55

met dh nearly 20 years ago. He’s self employed in creative industry.

im employed full time. When we met I was on £18k. I’m now on £60k.

we have 3 kids. And life is vvvv expensive.

we’ve stayed in same small house we purchased since we were in our 20s.

he has never earned reliably. Sometimes it’s been great and other times it’s terrible. People don’t pay on time. He works weird hours and long Hours and struggles to consistently contribute to house. He puts in £600 and then a few weeks later £300 and at end of month maybe another few hundred etc etc. it’s teeny amounts and on random days. on the flip side I typically contribute £2500 on the first of each month. And then Pay for kids stuff out my own money (days out, school shoes etc)

we are always in our overdraft. He’s lied about having credit cards. He lied and hid 10k of debt. He lies about how much work he has. He’s constantly in overdraft. He says he doesn’t know when money is coming in. He has no work booked in September for example but “remains hopeful something will come up”. He’s constantly plugging one hole by taking from another pot and creating Another.

as we are now in our 40s I’m finding it all very draining. He’s recently taken on a 2 day a week job minimum wage (admin) which I found and insisted he applied for. It provides a third of what we need from him really. This means even longer hours and less help with kids. I’m on my own a lot these days.

I know it’s crap out there and Covid and AI have affected businesses but I never thought I’d be trapped in a job I don’t love, struggling to survive. In a house that is tiny, not able to afford own car, not been on holiday in 15 years (beyond camping)

I want him to stop. Get a full time job/retrain etc.

but he says “I’m good at it” “I want to be happy” “it does earn money” “no one else will
employ me”

if I try to discuss he goes into a dramatic depression pity rant and makes no changes.

leaving him is not an option. But what I saw in him at 20 was not how I thought we would be all
these years later.

OP posts:
Crazybigtoe · 25/08/2025 10:10

Calculate a budget together. Agree how much each will contribute. (Might be a ramp up....)... He is an adult so should know the impact of him not stepping up....

If you are contributing £2500, that leaves you around £1200 each month in your own kitty. If he has none, is that fair? You are married...but no joint finances?

I truly understand your frustration...but tbh if I was in his position, I'd have little motivation to change.

CharSiu · 25/08/2025 10:22

He has just been employed so I would call him out immediately on that plus he will have some experience. Can he drive? There are always jobs delivering stuff, it may be a bit rubbish and not great pay but he needs to have a job with a decent amount of hours and then his creative job can be an on the side job.

If he really gives so little money you may be better off divorced, of course he will be able to claim some of your pension, assume he hasn’t made good provision for himself.

Leaving is always an option especially as you actually have a decently paying job.

UncharteredWaters · 25/08/2025 10:24

Lay out the joint costs - 50% is his to cover.

If he won’t have reliable, paid income he has to find 50%.

if he has a reliable less well paid but with prospects and is working to improve himself then he can contribute % proportionally.

hattie43 · 25/08/2025 10:25

Yes he needs to contribute more . Putting a random few hundred in the pot when you’re a family of 5 is not exceptable . He should want to contribute more to support his family . What happens if you get sick or can’t work for any reason .

iirbRosb · 25/08/2025 10:26

Would he earn more in a full time minimum wage job? If so that’s what he needs to do; his job isn’t really a job, it’s a hobby. He needs to grow up to be honest.
Its all well and good him saying he wants to be happy but what about you? I know you say leaving isn’t an option but when your kids are grown will the love have gone because of this? Put that to him

Ginmonkeyagain · 25/08/2025 10:35

The issue surely is not so much the low income (you knew that when you married him) but the lying about work and debt?

Didimum · 25/08/2025 10:44

The lying about debt is the problem, not what he earns.

Presumably you knew all this about him prior to having children? Did you have conversations about it changing or not before having children?

CeciliaMars · 25/08/2025 10:49

To me, the issue is not his earning power, it's the lying...that in itself would be a deak breaker for me. As for the earning, there are lots of couples where one, normally the man if I'm honest, earns a much larger salary and one earns significantly less. The questions are though, how much money does your household need to get by? And is he as the lower earner/the one doing less hours do the main bulk of everything else?

Greenwitchart · 25/08/2025 11:00

''@Didimum · Today 10:44

The lying about debt is the problem, not what he earns.''

Agreed.

But I would also say OP that you chose to marry this man and knew that he was a freelancer and that the creative industries can be precarious. I assume you also both chose to have 3 kids which was always going to put a strain on your finances.

Many people have to do with a smaller home that they would like and no car. Not everyone values material things most.

Have a serious conversation with him and talk about how you want to improve your joint finance and that he has to clear his debts but I would also accept that you need to live within your means like most people do.

PoshDuckQuarkQuark · 25/08/2025 11:09

The lying is a huge problem.

He might be good at his business and enjoy it but his admin and budgeting skills are lacking.

You need to sit down and plan together your finances and perhaps help him with his business.

Make it clear that the £60k you earn is a job you dont enjoy, but as he brings in so little you have no choice.

mugglewump · 25/08/2025 11:09

The creative industries are in the doldrums. But creative types identify massively with their skill set and this is probably why he is reluctant to retrain. He also clearly feels under pressure from you, hence the lying. Pushing him in to min wage jobs will just make him feel worse. The status quo is no good for any of you. I think you need to have a big heart to heart and look at all your spending as well as what he could do in the future. Can you save money anywhere? Could you afford for him to do a PGCE? Lots of creatives go into teaching as second careers.

Mylovelygreendress · 25/08/2025 11:15

Crazybigtoe · 25/08/2025 10:10

Calculate a budget together. Agree how much each will contribute. (Might be a ramp up....)... He is an adult so should know the impact of him not stepping up....

If you are contributing £2500, that leaves you around £1200 each month in your own kitty. If he has none, is that fair? You are married...but no joint finances?

I truly understand your frustration...but tbh if I was in his position, I'd have little motivation to change.

OP says she contributes £2500 but then buys the kids’ stuff which could amount to a lot.
I know on MN the mantra is if you are married , finances should be totally shared but that doesn’t always work out especially if one person is a spender and one a saver .
My first husband emptied our current and savings accounts when he swanned off and left me with a few pounds in my purse ( 3 DC)

gymboe · 25/08/2025 11:21

I’d quite like to have a turn of doing three days a week and putting £600 into the bank.

he massively overspent and he will do a job and take all the money to pay credit cards etc. then the tax man wants his money, so he borrows that from money he should have given us, and the spiral continues.

he’s very poor with money. His business is terribly run. He buys expensive equipment, spent money on an office until I insisted it was dumb, got an apprentice etc

OP posts:
gymboe · 25/08/2025 11:24

I had a multiple birth hence the three children! Wouldn’t change it of course and I love them all dearly but my god it’s expensive.

we don’t live a luxurious life. But just mortgage, food, bills, kids stuff is wiping us out. It does not take much to destroy us. I don’t even own my own car as I can’t afford the payment!

OP posts:
zoemum2006 · 25/08/2025 11:28

DH and I are both self employed and the only way it can work is if you have quite a strict attitude to money. For example how much we have in our business account is irrelevant to us; it's how much money is available to us. To do that we think of our budget as a yearly thing. When we are paid the tax money on that is immediately ear marked.

You need to tell him that self employment comes with responsibilities and if he can't manage those demands he'll need to find a salaried job.

gymboe · 25/08/2025 11:30

I think that is it really, it’s not the self employed that’s an issue it’s his attitude to spending and his lack of skill at running a business.

I found some jobs that are salaried in the same industry and they range from 30-60k

our life would be so different. It would feel comfortable.

OP posts:
tripleginandtonic · 25/08/2025 11:34

Your mortgage must be nearly paid off. I think you need to go through finances again together

In his 40s, self employed he's probably not going to suddenly get a well paying job.

gymboe · 25/08/2025 11:35

The lying is an issue. In total it was well over 20k of debt. And owing to people at the business too (freelancer that helped him). He’s still not cleared this, it’s just moved around. The debt causes more issues too as he needs to earmark money for repayments.

but I can clearly see the work is changing. People don’t have huge budgets anymore and before Covid some of his jobs were 20k and now he’s lucky if he gets a few bookings for a thousand. A few jobs for a few hundred. Etc. it’s very sporadic.

OP posts:
gymboe · 25/08/2025 11:36

Re the mortgage we just consolidated some debt to it and it’s less than 200k.

OP posts:
Optimist2020 · 25/08/2025 11:37

@gymboe if you leave him, he would have to earn more money and learn to budget. You should ask him to budget on his income as a single man and so he can say how far his income stretches without you financially propping him up .

MinnieCauldwell · 25/08/2025 11:40

I think he is lazy as well as a liar.
Bet he has no pension and will mooch of you in retirement. I really think you may need to consider a way to separate before he gets your pension too.

Statsquestion1 · 25/08/2025 11:41

What is your income vs outgoings? Surely a 60k wage topped up by his (albeit variable and not reliable) should be enough to live on?

pikkumyy77 · 25/08/2025 11:45

mugglewump · 25/08/2025 11:09

The creative industries are in the doldrums. But creative types identify massively with their skill set and this is probably why he is reluctant to retrain. He also clearly feels under pressure from you, hence the lying. Pushing him in to min wage jobs will just make him feel worse. The status quo is no good for any of you. I think you need to have a big heart to heart and look at all your spending as well as what he could do in the future. Can you save money anywhere? Could you afford for him to do a PGCE? Lots of creatives go into teaching as second careers.

Really? Its her fault he isn’t competent, lies, gets into debt, and doesn’t notice he has three children to support?

fthisfthatfeverything · 25/08/2025 11:48

Doesn’t he feel bad letting his wife be the bread winner ?

Weekmindedfool · 25/08/2025 11:49

The lying isn’t really the issue. The issue is OP knows she made a mistake marrying someone in his job position/with his outlook on life. At the time it wasn’t an issue but now they are older with kids she’s wants more/change and is frustrated with her life choices. It’s resentment that he doesn’t earn enough so she can do what she now wants. He isn’t going to change now. So if you want more OP You are going to have to make it happen yourself. And you are going to have to stop blaming him or the resentment will destroy your relationship, assuming there is anything left in there to save.

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