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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To be unhappy DH prioritises £10K/year hobby over our joint savings?

254 replies

Loopylampshade · 16/09/2025 00:02

I love my DH very much but I feel he doesn’t prioritise our joint future as much as his hobby. This hobby costs him more than 10K a year, which is fine because he earns a good wage and it makes him happy. However, we are also refurbishing a house for which I have done 90% of the work & organising so far, as he despises it and says “you wanted a fixer upper - I just wanted a new build”. He will of course also benefit from the financial value that gets added to the house by the refurb. He recently agreed to pay a £1K decoration project & to take it off my hands. However he now said it also means he won’t contribute for 2 months to our joint savings (which he could easily afford if he would just pause this hobby for 2 months). This is our safety & holiday fund. Am I being unreasonable for feeling that he prioritises his personal happiness over making a sacrifice that will benefit us both (albeit I care more about the refurb than he does)? Perhaps I am already a bit frustrated because he also earns more than I do but we do split mortgage + bills 50/50, meaning I don’t have as much disposable income as he does. Is this a common thing for couples to argue about? I am just sad about it all

OP posts:
CicerosHead · 16/09/2025 19:19

So you have the job that doesn't pay well, but which you love and don't want to change, you've got the reno-project house you love and wanted (and he didn't).

All that's missing is your husband postponing his hobby and subbing your lifestyle choices. He's right - go and earn more. You're an adult. And childless.

Loopylampshade · 16/09/2025 19:28

Nottodaythankyou123 · 16/09/2025 07:16

Difference is, his hobby is unlikely to end up gaining them equity in a house. We made about £50k profit on our renovation project in the end after 2 years. I was OP’s DH in that I didn’t want a reno but wanted a new build, but we couldn’t afford a new build at the time with what we needed. I ended up with £25k basically as a result of my DP’s insistence on a renovation, so I’d say he’ll change his tune when they come to sell!

This is exactly the case. Well done on your house and I’m glad you came around, I am sure it was stressful at times! We live in an expensive area for work and we couldn’t afford a new build. I think in total we will have added 60K to the house at a cost of 20K renovations in 1.5 years time. But I can see why someone sees this as my hobby. I do enjoy renovating the house. We also have enough money aside to renovate it quickly and have it all done in another 6 months. But he’d happily do it over 3 years time and have us live in the mess for longer.. which I just don’t think is necessary.

just catching up on all your great replies. Thanks a lot for your input everyone

OP posts:
Nottodaythankyou123 · 16/09/2025 19:38

Loopylampshade · 16/09/2025 19:28

This is exactly the case. Well done on your house and I’m glad you came around, I am sure it was stressful at times! We live in an expensive area for work and we couldn’t afford a new build. I think in total we will have added 60K to the house at a cost of 20K renovations in 1.5 years time. But I can see why someone sees this as my hobby. I do enjoy renovating the house. We also have enough money aside to renovate it quickly and have it all done in another 6 months. But he’d happily do it over 3 years time and have us live in the mess for longer.. which I just don’t think is necessary.

just catching up on all your great replies. Thanks a lot for your input everyone

It may well be a hobby - it certainly was for my DP, he really enjoyed it (albeit it was stressful at times!) but its hobby that will put money in your pocket. It’s just not comparable in my opinion, unless he’s happy for you to keep the additional equity your hobby has provided 😅

myspareusername · 16/09/2025 20:03

CicerosHead · 16/09/2025 19:19

So you have the job that doesn't pay well, but which you love and don't want to change, you've got the reno-project house you love and wanted (and he didn't).

All that's missing is your husband postponing his hobby and subbing your lifestyle choices. He's right - go and earn more. You're an adult. And childless.

@CicerosHead except they are married not bf and gf.
Legally, his money is hers and vice versa.
All big financial decisions should be made together - hobbies, renovations on assets that will hopefully appreciate - so you all benefit.
How he is manipulating family finances could be interpreted as abuse as his disposable income is so much more than hers.
If you don't want to share your wage don't get married

SouthLondonMum22 · 16/09/2025 20:20

myspareusername · 16/09/2025 20:03

@CicerosHead except they are married not bf and gf.
Legally, his money is hers and vice versa.
All big financial decisions should be made together - hobbies, renovations on assets that will hopefully appreciate - so you all benefit.
How he is manipulating family finances could be interpreted as abuse as his disposable income is so much more than hers.
If you don't want to share your wage don't get married

Or people can have marriages that work for them and talk it through if it is no longer working.

People who are married don't have to share their bank accounts or all of their wages. I wouldn't get married if that was the case.

notquiteruralbliss · 16/09/2025 21:18

50Balesofgrey · 16/09/2025 00:07

Bet it's horses!

I wish horses were only £10k a year 🤣

Loopylampshade · 16/09/2025 21:40

Andthatrightsoon · 16/09/2025 09:06

The rocks will always come before you, the house, future finances and your future children, OP. You need to accept that if you're going to stay in this relationship.

(Granddaughter of a world-famous mountain climber here)

That’s amazing your granddad did this. I am ok with this btw. He loves his hobby & the travel that comes with it, and sometimes I join him, it’s great. We also don’t have children and don’t plan to. It’s not so much about the climbing coming before me. It’s him having enough disposable income to do both his hobby + contribute to mutual savings + get this one simple renovation job out of the way, and choosing to only do the latter by not contributing to savings. We have paid most house costs 50/50. Although I have coordinate it all, which is about 2 months of fulltime work equivalent.. and I have put a bit more into soft furnishings. Which is fine, I believe most men don’t care about cushions & candles

OP posts:
Loopylampshade · 16/09/2025 21:54

LochKatrine · 16/09/2025 10:21

I think he's buying equipment, going to exotic locations, staying in good hotels.

Ha yes it is mostly the travel. Here in the UK it’s quite cost effective. And then with a group of friends they travel for international championships (you’re right about comfy hotels, nothing mega luxurious but no hostels) and across europe and once a year trips outside of europe etc. I sometimes join. It’s a nice community. The social aspect is a big part. I like the outdoors too, I’m just not a climber. All of this is fine with me btw. I agree with posters here that hobbies are important.

I think my issue is more with the unfairness & awkwardness of handling the finances and him being defensive about it.

As a bit more context. He earns 60K, I earn 44K. Which after our mortgage & bills is plenty left for both our hobbies, the house, and savings.

Many good perspectives shared here, thanks everyone, it helps to see it from different sides

OP posts:
Loopylampshade · 16/09/2025 21:57

Nottodaythankyou123 · 16/09/2025 19:38

It may well be a hobby - it certainly was for my DP, he really enjoyed it (albeit it was stressful at times!) but its hobby that will put money in your pocket. It’s just not comparable in my opinion, unless he’s happy for you to keep the additional equity your hobby has provided 😅

Yes I don’t think he would be pleased if I would take the full profit myself! We could technically sell the house, I give him back what he put in, and keep the rest of the profit all for myself to splash out for a 12 month holiday :-)

OP posts:
Loopylampshade · 16/09/2025 22:05

sandyhappypeople · 16/09/2025 11:52

Where is the rest of the refurb money coming from OP? Is it coming from savings?

Surely if he is having to pay for something for the house it would stand to reason that he takes it out of the savings, wouldn't the house refurb be classed as a joint expense?

The real issue is that he says he "doesn't want to subsidise you" .. that's a disgusting attitude to have, I'm not one for pooling all money personally as I think it can cause more problems than it's worth, but if there is a huge difference in earnings, it's selfish to keep it all for yourself while making your spouse pay 50/50 for all expenses!.. how did that even come about?

Yep refurb is from savings and a small family gift. And the we keep adding to the savings pot each month. And when it’s topped up we decide together what we pick up next. It’s just that he came up with the idea of doing this relatively simple job (and presented it like he agreed it would really help me out.. like best DH ever!!) but knew that our savings were not back up yet. He said he’d cover the bill. I was so happy & thanked him profusely and said how much it meant to me. But he left out that it meant he wouldn’t put money into savings for a while (even though he can afford to)

OP posts:
Loopylampshade · 16/09/2025 22:06

sandyhappypeople · 16/09/2025 11:52

Where is the rest of the refurb money coming from OP? Is it coming from savings?

Surely if he is having to pay for something for the house it would stand to reason that he takes it out of the savings, wouldn't the house refurb be classed as a joint expense?

The real issue is that he says he "doesn't want to subsidise you" .. that's a disgusting attitude to have, I'm not one for pooling all money personally as I think it can cause more problems than it's worth, but if there is a huge difference in earnings, it's selfish to keep it all for yourself while making your spouse pay 50/50 for all expenses!.. how did that even come about?

Yep refurb is from savings and a small family gift. And the we keep adding to the savings pot each month. And when it’s topped up we decide together what we pick up next. It’s just that he came up with the idea of doing this relatively simple job (and presented it like he agreed it would really help me out.. like best DH ever!!) but knew that our savings were not back up yet. He said he’d cover the bill. I was so happy & thanked him profusely and said how much it meant to me. But he left out that it meant he wouldn’t put money into savings for a while (even though he can afford to)

OP posts:
Laura95167 · 16/09/2025 22:07

If the hobby is "outting" yabu

Loopylampshade · 16/09/2025 22:11

BeltaLodaLife · 16/09/2025 08:25

I’m not sure if I’ve got this wrong but, are you paying for the refurb?

It’s just the way he is comparing about having to spend this £1000 on the painting and now won’t contribute to savings… does that mean he doesn’t usually pay towards to refurb? And you say you’re doing it all. Who is paying for the improvements?

We both pay for them. I coordinate & do all the work that we don’t have professionals do. Probably around 10 hours of work a week over the past year. I have a fulltime job alongside it. I also contribute a bit more for soft furnishings like bedding, cushions, decoration etc. which is fine as it’s fun to shop for.

OP posts:
Loopylampshade · 16/09/2025 22:14

Shortdaysalready · 16/09/2025 07:35

I've never ever said this on a thread before but I assume he must be incredibly physically attractive. Because everything you have said about him makes him appear like a self centred , immature ,unpleasant man who has no idea that marriage involves caring about your spouse, and compromise.
I can think of no other reason for you being married to him.

Edited

Haha yes I do think he is very good looking, and other than this issue he is very caring and always there for me. Probably also explains why I am so puzzled by this

OP posts:
Loopylampshade · 16/09/2025 22:17

holrosea · 16/09/2025 07:46

Hi OP,

It sounds like he has fundamentally misunderstood the legal/financial concept of marriage in the UK. Were you to separate, everything in a big pot and spearated 50/50 would be the starting point, regardless of individual earnings. Similarly, he'd benefit financially from you doing up the house, even if he's never lifted a finger.

From your post, you seem to want to find a solution, and digging deeper into hair splitting i.e. withdrawing your own contribution from joint savings for 2 months, is probably not a way to resolve anything. Personally, I would be concerned that he doesn't seem interested in partnership, splitting things proportionally so that you both have equal quality of life and disposable income, or that he's not interested in the state of your joint house.

Maybe you ought to get onto Relate and see if they have guides for talking about finances, or maybe it would be worth booking in with a counsellor/mediator if the lack of proportional split is bothering you. If you are aware of it now, the gap will grow, as will the potential resentment.

If you have kids is he going to expect 50/50 bill contributions when you're on mat leave? Is he going to expect you to cover all school clubs? As he outearns you over a career and upon retirement, will he plan trips that you "can't" afford?

Thank you for this kind and helpful reply. I will look into the resources

OP posts:
Loopylampshade · 16/09/2025 22:23

GreyPearlSatin · 16/09/2025 08:43

@Loopylampshade I have a question about the house. You said he wanted a new-build, but the two of you eventually bought a fixer-upper. How was this ultimately decided between the two of you and why did you not go for the new-build?

The new builds in our area (close to family & work) were £100K more expensive which would increase the mortgage by £500/600 a month. We can get this house in the same state with £25K investment & 2 years of doing some DIY (its not big structural jobs - the layout & structure is fine - mostly cosmetic and some plumbing bits). This also was on an overall better street with more parking. Every time he pointed at a house he liked on the street, it was like £600-£700K. I think he just doesn’t really understand house prices haha. The smaller new builds were around £400K and we bought ours for £300K

OP posts:
Loopylampshade · 16/09/2025 22:34

ainsisoisje · 16/09/2025 09:49

Love this!!! Nearly spat out my tea.

Hahaha, he actually does remote work trips in the dolomites to climb as well 🤣 the rocks are a bit flat where we live unfortunately and the bouldering gym is not satisfying enough apparently

OP posts:
Loopylampshade · 16/09/2025 22:35

Pebbleinyourshoe · 16/09/2025 10:04

Guilty! I just told my DH this post could be about us but the opposite way round.

Haha what did your DH say

OP posts:
spoonbillstretford · 17/09/2025 03:37

babyproblems · 16/09/2025 06:28

The problem with this is that it doesn’t account for time / investments in the family / household work. I suspect that ok you can be fairly clear on money in that its set amounts being paid by each party; but when there’s marriage and children; I bet in 99.9% of cases, the women end up paying their way AND doing the work at home/family AND working equally to their ‘D’H.. which of course is not fair at all and is a huge problem for many women in modern family life. I actually don’t know of a single woman who is in a financial set up like you describe - working and paying their bills as a ratio of earnings - who also has a fair split of the family workload.

I don't know if any married woman with kids in any financial arrangement has a truly fair split of the workload! I was able to work part time while DDs were younger, as the higher earner, while still earning more than DH. We always completely shared childcare and arrangements around pick ups/drop offs around work though in a much fairer way than I've often read on here. Not perfect but it worked.

Poodlelove · 17/09/2025 04:15

Rock climbing ?

I thought it was fish again.

SweetnsourNZ · 17/09/2025 04:20

Needspaceforlego · 16/09/2025 00:27

Yacht racing?

Trying to think of expensive hobbies that go on all year round. Skiing isn't cheap but seasonal

It's always snowing somewhere in the world. Maybe he does a trip away.

UsernameMcUsername · 17/09/2025 06:09

My brain just frozen up trying to compute having £10k a year to spend on a hobby. I clearly move in the wrong circles 😆

IbizaToTheNorfolkBroads · 17/09/2025 06:10

I’m curious who @Andthatrightsoon’s grandparent is.

myspareusername · 17/09/2025 06:18

Loopylampshade · 16/09/2025 22:14

Haha yes I do think he is very good looking, and other than this issue he is very caring and always there for me. Probably also explains why I am so puzzled by this

Yes apart from him consistently financially abusing you, he's a real peach!

Genuinely, why did you get married? Marriage is all about the pooling of money and assets. You are permanently in a worse off position than your DH and he is treating you not as an equal but an inferior. He is being a real bastard to you. I hope you find your anger soon. This arrangement is untenable. It would be a deal breaker for me.

GreyPearlSatin · 17/09/2025 06:58

Loopylampshade · 16/09/2025 22:23

The new builds in our area (close to family & work) were £100K more expensive which would increase the mortgage by £500/600 a month. We can get this house in the same state with £25K investment & 2 years of doing some DIY (its not big structural jobs - the layout & structure is fine - mostly cosmetic and some plumbing bits). This also was on an overall better street with more parking. Every time he pointed at a house he liked on the street, it was like £600-£700K. I think he just doesn’t really understand house prices haha. The smaller new builds were around £400K and we bought ours for £300K

Ah, I see. It was a practical decision.

Well, I think your husband needs to grow up and learn about the real world. He is acting like a petulant child and dumping all the work on you.

It's a tricky situation. But if you can hang on for two years and get the renovations finished, I would reevaluate the relationship and see if you want to stay with him. In the mean time, keep an eye on the paperwork and put systems in place so you are not so out of pocket. Maybe also document all the money invested by both in case this leads to a divorce. You definitely will want a paper trail.

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