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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:
outerspacepotato · 25/08/2025 16:04

He's lied about working and hidden credit cards and debt.

I would have been out the first lie I discovered about work or a hidden credit card or debt.

He only wants to work on his schedule at work that makes him happy.

I want a pony.

If you don't leave him, you're stuck with a lazy liar who will pull you down further and further financially. You will never have nice things for you and the kids because you chose a money suck partner.

MounjaroMounjaro · 25/08/2025 16:21

My friend's husband was a photographer and spent all of his own money on his work, and some of hers, too. He's quite well known now but still treats the money he earns as his own. Some people are just completely self interested, and it's no coincidence this is usually associated with being really bad at anything to do with the business side of things. If self-employment doesn't bring in enough money, it's a hobby.

I'm shocked you are tolerating this. I can see why you feel you can't leave him, but you're not able to rely on him for childcare, even. He puts himself first, every single time. Of course he could make those particular dates to pick up the kids if he wanted to. Do you think if he didn't get a better offer he wouldn't ask the client to change the date? He's just feckless and selfish.

FKAT · 25/08/2025 16:22

What does he do? Plenty of jobs in creative industries are well paid - you just have to move sideways or compromise a bit.

gamerchick · 25/08/2025 16:27

I don't understand why you say you can't leave him.

He's not going to change. Tell him to get an employed job or he'll have to move out.

Or you can carry on as you are. I don't see what other options are

Pregnancyquestion · 25/08/2025 18:30

PollyBell · 25/08/2025 13:01

Why is he a freeholder but lots of women who dont work are not?

Because when the vast majority of women are not working that is because they are doing the child care and house work, he is working long hours and OP is doing it all so he can go off and earn pittance

BUMCHEESE · 25/08/2025 18:38

He needs to get a proper salaried job, ideally at least 4 days a week.

Is he even applying to permanent jobs in his industry?

LottieMary · 25/08/2025 18:59

It’s the ‘I want to be happy’ shit that would upset me. I’d say as bluntly as you can, you being happy is coming at my expense. I am overstressed running the house and funding the family that we chose to have and fulfil our personal lives.
what he has is an expensive hobby that occasionally raises some money.

Lafufufu · 25/08/2025 19:02

I read this

"He’s self employed in creative industry."

and thought we'll he is never going to be making £200k
But honestly the situation is ridiculous.

if i read correctly he doesnt have standard hours so cant reliably help and brings in less than minimum wage some months.

He needs a proper job - he is responsible for 3 children..farting about following his passion isnt an option any more

AgentJohnson · 25/08/2025 19:03

leaving him is not an option.

Leaving him is always an option.

It sounds like your H isn’t cut out for the changing landscape and is too scared to pivot. He doesn’t sound cut out for the gamut of responsibilities when you are a sole trader. By cleaning up his past financial messes you’ve assumed a maternal role in your relationship dynamic. He doesn’t want that to change because that would mean he would have to grow up and live in the here and now, instead he’s resting on the laurels of past success.

AgentJohnson · 25/08/2025 19:03

leaving him is not an option.

Leaving him is always an option.

It sounds like your H isn’t cut out for the changing landscape and is too scared to pivot. He doesn’t sound cut out for the gamut of responsibilities when you are a sole trader. By cleaning up his past financial messes you’ve assumed a maternal role in your relationship dynamic. He doesn’t want that to change because that would mean he would have to grow up and live in the here and now, instead he’s resting on the laurels of past success.

Snickers94 · 25/08/2025 21:12

I would sit down and try to understand why he feels the need to lie about his finances. Is he feeling pressure from you? Does he feel insecure? My husband was similar when we were younger, but I got to the crux of it and now he’s better with his finances than I am 🫣

about the unstable job, idk what he works as but the job market is truly shit atm - I’ve been unemployed for 6 months and only just found a decent job, and my husband was pushing me to work retail or something JUST to bring in money - I got soo defensive. It’s really hard atm. I do think this is something you can sort through with open communication and resolution in mind.

JHound · 25/08/2025 21:16

I know a woman who divorced her husband over a situation like this.

It’s great he is good at and enjoys what he does but he is working like a single man instead of a married man with children.

Barney16 · 25/08/2025 21:26

The part where he said he wants to be happy would finish me off. His happy is at your expense, literally and metaphorically. I would give him an ultimatum and that would be to get a job that reliably pays his bills or he leaves.

JHound · 25/08/2025 21:44

PollyBell · 25/08/2025 13:01

Why is he a freeholder but lots of women who dont work are not?

Because most of those women do work. Just unpaid.

It’s not clear who does most childcare, domestic and emotional labour. IF it is OP then Freeloader would be a fair descriptor for him.

KPPlumbing · 25/08/2025 22:03

I was in a similar situation, but we don't have kids.

I was sick and tired of doing everything and paying for everything, and being the only one securing our financial future.

Like you, I'd gone from earning £17k when we started out, to £75k 20 years later, and DH was still bringing in a starter salary.

In the end I laid my cards on the table and told him I was pretty much done.

He retrained.

I paid for the training, and equipment, and van, using my savings, and he's worked incredibly hard and is on track to earn £80+k this year (2 years later). In actual fact he's trying hard NOT to earn so much that he has to go VAT registered.

reversegear · 25/08/2025 22:33

C8H10N4O2 · 25/08/2025 13:16

Out of interest - what is this job? Is it content creation by any chance?

I’m going to put bets on a graphic designer.

reversegear · 26/08/2025 03:42

OP this sounds so hard and I know so many men like your DH I run a business in the creative industry and it’s so hard right now, the clients are reducing work etc.

But after 20 years of work and being freelance he should have a stable base of regular clients regular jobs and assuming he’s limited should have managed to build something profitable, he’s feeding you a massive pack of lies, the year post covid in our Indy went crazy it was so busy. Most freelancers I know and use are VAT registered and earning over £85k.

if he’s a copywriter? Maybe then I’m afraid he will have to face reality and retrain, if he’s video equally and photographers are also really getting hit but have been on the decline since iPhone cameras got better.

if he’s graphic designer then I’m afraid he’s feeding you a line or isn’t very good and he should be able to pull a minimum of 50k billing out at 45pm, doing in-house co tracts at £350 a day etc.

Id be booting him up the bum to retrain or get another job as his earnings are not fit for a family and I’d be having a serious think about my future with him.

if you did leave I’m sure he wouldn’t pay a penny but then at least there is one less mouth to feed!

converseandjeans · 26/08/2025 05:57

YANBU as it sounds like you are the main earner but also do all the organising & making sure the kids are ok. Even with a minimum wage job he would have around £450/week & could contribute around £1000/month and still have some personal spends left over. It sounds like his current job doesn’t create enough income for him to do this & so is presumably below average minimum wage for the month.

It would probably be easier to budget if he wasn’t around - he sounds like an extra teenage that needs supporting.

Truetoself · 26/08/2025 06:10

Wjy is leaving him not an option? What does he bring in to your life?
He needa to grow up and atart contributing more to sustain his family. Be tried his band at being self employed and that hasn’t worked out. So now he needs to do something else.

DesparatePragmatist · 26/08/2025 13:22

OP, I have every sympathy. I'm in a similar situation and it's really hard - it would be easier if it was a flat-out refusal to work, which could be challenged; but when it's hours and resources going into something that might deliver, but never quite does, its so much harder.

In my case the pill is sweetened by DH doing a fair bit round the house, even though he doesn't contribute much if anything financially. We've had several big talks over the years, with me being clear about the minimum contribution I needed, offering to help think through options, support him while retraining, etc. This has led to 3 career changes (always within self-employed and creative parameters) but no change in income level.

I think as PPs have said, what i, and you, are seeing is the reality of a person, rather than the consequence of a career choice. In my case, I dont think its necessarily laziness or low commitment, DH would love to support more. But he hasn't got the skills to work within a company (got made redundant in his 20s and self-employed ever since) which means he hasn't benefited from all the wider training and development you get in-house, hasn't invested himself and has got older, left behind/confidence hit; not competitive, can't get back in either as an employee or a freelancer.

beezlebubnicky · 26/08/2025 13:28

I think the lying is the issue really, and not holding down a steady job.

My husband has a creative industries job in a small music venue and doesn't make loads of money, but I knew that when I married him and I have much more scope to progress in my career than he does. He does most of the housework and is really handy with DIY, so his contributions to our marriage go beyond financial as well. He could make a lot more doing freelance, but he values the stability of a steady creative job which I can't argue with. There are times where I wish he had greater earning potential, but it isn't everything and he works incredibly hard at what he does.

I think you need to have a serious talk with your husband about how the lying is affecting you, and how he needs to show willing to improve things. You need to get him to understand it could lead to you divorcing him; it might be a wake up call for him.

DesparatePragmatist · 26/08/2025 13:29

if he’s graphic designer then I’m afraid he’s feeding you a line or isn’t very good and he should be able to pull a minimum of 50k billing out at 45pm, doing in-house co tracts at £350 a day etc.

@reversegear I'm very interested in this. My DHs main field was graphic design, which he moved out of after not being able to manage to pull in half of what you're citing, saying all the freelance work was going to low fee competitors in India and further east. Is there a particular skills set you would associate with bringing in £50k? Eg web design, rather than print?

Trying to work out if I too have been fed a line - hope you don't mind, OP!

chatgptsbestmate · 26/08/2025 13:35

Truetoself · 26/08/2025 06:10

Wjy is leaving him not an option? What does he bring in to your life?
He needa to grow up and atart contributing more to sustain his family. Be tried his band at being self employed and that hasn’t worked out. So now he needs to do something else.

This. You'd be far far happier without all this stress and his lies

BUMCHEESE · 26/08/2025 13:36

KPPlumbing · 25/08/2025 22:03

I was in a similar situation, but we don't have kids.

I was sick and tired of doing everything and paying for everything, and being the only one securing our financial future.

Like you, I'd gone from earning £17k when we started out, to £75k 20 years later, and DH was still bringing in a starter salary.

In the end I laid my cards on the table and told him I was pretty much done.

He retrained.

I paid for the training, and equipment, and van, using my savings, and he's worked incredibly hard and is on track to earn £80+k this year (2 years later). In actual fact he's trying hard NOT to earn so much that he has to go VAT registered.

Edited

What did he retrain as and how much did it cost to retrain please?

Jamesblonde2 · 26/08/2025 13:41

I think it’s terrible when one person of the union is quite content for the other person to carry them financially and pay for the vast majority of living costs, particularly with children. Selfish.

Whatever he does “creatively” he can surely do as a hobby on the side, while bringing in a proper and consistent wage with another job.

Yes it’s sad that the creative industry doesn’t always bring home the bacon, but he’s got a nerve.