Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Am I being fair on how we split the bills?

38 replies

Confusedcookie · 06/10/2025 18:33

I've asked my husband if he's happy with this arrangement and he says he is but then I've read on here about how couples should have one pot of money and everything taken from that rather than calculating what each person pays. Particularly when the woman is a lower earner (usually if it's due to looking after children) although in our case it's the other way round in that I earn more.
For context
I pay council tax, TV licence and home insurance. I own the house outright and paid the mortgage off before my husband (at the time boyfriend) moved in.
He pays gas, electric, water and internet.
Then we independently pay our own car costs and personal shopping.
We go through our other bills each month and split them 50/50, so that's our food shopping and animal care costs etc.
I earn over double what he does but will be going on maternity leave in a few months so it will drop but it will still be a little bit more than he earns per month.
I think I feel maybe I'm being unfair as I earn more so should pay more each month, but then at the same time I worked very hard to pay my mortgage off early and if I hadn't done that we would both be paying out more each month.

So am I being unreasonable to split our finances the way we do?

OP posts:
vitalityvix · 07/10/2025 18:54

IMO the ‘fairest’ thing for a married couple to do is ensure that each person has the same amount of disposable income after all the outgoings have been paid. The easiest way to do that is to be paid into the same account and each take X amount out of the pot. Everything else is paid for by the pot.

ZoggyStirdust · 07/10/2025 19:00

Interesting

a higher earning man making is lower earning partner pay half is usually called abusive.

Confusedcookie · 07/10/2025 19:17

ZoggyStirdust · 07/10/2025 19:00

Interesting

a higher earning man making is lower earning partner pay half is usually called abusive.

Can you explain why it's abuse if both have money left over at the end of the month plus savings to dip into for whatever they want?

OP posts:
Coconutter24 · 07/10/2025 19:19

Confusedcookie · 07/10/2025 19:17

Can you explain why it's abuse if both have money left over at the end of the month plus savings to dip into for whatever they want?

Do you both have equal spending money each month?

Confusedcookie · 07/10/2025 19:29

Coconutter24 · 07/10/2025 19:19

Do you both have equal spending money each month?

No we don't if you're talking about money left over after all the basics are paid for, but then neither of us spend everything we've got left, and we both try and put money back into joint savings each month. We're both naturally quite frugal day to day I'd say, then just make big purchases very occasionally.
He'd be more than able to take a couple of grand out of our shared savings though in a matter of minutes if he wanted to, in fact he did spend about £3k on something for his hobby fairly recently but he said he wanted to pay the money back into the savings over a few months even though I was like it's up to you I really don't mind! And I'd do the same thing if I was the lower earner, if I wanted to make an expensive purchase for myself only then I'd want to pay for it myself.

OP posts:
Hont1986 · 07/10/2025 19:51

Can you imagine MN saying that a wife was "living rent free" in her higher-earning husband's house, so should pay a higher share of the bills? Ridiculous.

dontmalbeconme · 07/10/2025 19:52

You should both have equal spending money and personal savings each month. Everything else joint.

TheFateofOphelia · 07/10/2025 19:55

WatchingTheDetective · 07/10/2025 08:18

He's living rent free so is at a huge advantage. Obviously I hope you stay together but in his position I would want to get my own property.

Why? He's not living "rent free," he's residing in the marital home.

If they split after a few years, half the house is his. Plus a chunk of OP's mortgage

That's what marriage is.

ZoggyStirdust · 07/10/2025 20:12

Confusedcookie · 07/10/2025 19:17

Can you explain why it's abuse if both have money left over at the end of the month plus savings to dip into for whatever they want?

When it’s a man, it’s financial abuse to make his partner pay more and therefore he ends up with a higher amount of disposable income each month and/or savings while she does not.

donyou have more disposable income? Can you save? Does he have the same?

cjs99x · 07/10/2025 20:15

I think it’s different when there’s a big rent/mortgage outgoing but in your case when the outgoings are more minimal I don’t think there’s anything wrong with how you split bills

Coconutter24 · 07/10/2025 20:50

Confusedcookie · 07/10/2025 19:29

No we don't if you're talking about money left over after all the basics are paid for, but then neither of us spend everything we've got left, and we both try and put money back into joint savings each month. We're both naturally quite frugal day to day I'd say, then just make big purchases very occasionally.
He'd be more than able to take a couple of grand out of our shared savings though in a matter of minutes if he wanted to, in fact he did spend about £3k on something for his hobby fairly recently but he said he wanted to pay the money back into the savings over a few months even though I was like it's up to you I really don't mind! And I'd do the same thing if I was the lower earner, if I wanted to make an expensive purchase for myself only then I'd want to pay for it myself.

I think the point of a joint account for most married couples is to make sure things are fair in the sense that you both have the same amount of personal spends each month. Whether you save it or spend it that’s up to the person whose share it is to decide.

Woodfiresareamazing · 02/02/2026 00:28

Confusedcookie · 07/10/2025 08:56

Yes he is living rent free and that's why he says he doesn't mind splitting the bills even though he earns less.
Our plan is to buy our next house together. I'm 31 and he's 30 so it's more just a case of he was renting, I already owned so it made sense for him to move into mine initially. We're comfortable here but would like to buy together in the next few years.

I hope you have protected your sole interest in your house, OP. Make sure you have it in writing .

caringcarer · 02/02/2026 00:35

Gas, electric and water are more expensive than TV licence and home insurance so you are being unfair. Why not just go 50/50 on everything? You still gain as you earn more.

New posts on this thread. Refresh page