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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Couples who live separately so they get additional financial support

598 replies

slimline · 11/04/2026 11:20

A couple I know got married over a year ago, yet they still live separately. She has two children from a previous relationship and lives in a 3 bed house. He lives in a 2 bed house and has no children. I mention the size of their homes because it’s clear that there is ample space for the entire family to live under one roof. I can’t think of any other reason for their separate living arrangements (considering they have made a commitment to each other through marriage) aside from financial security, as her eldest child has SEN and she doesn’t work. He is working, which I assume could complicate things if he were to move in. Yes, I understand it’s legal, but I can’t help but think they’re taking advantage of the system in some way. This isn't the first time I've heard of couples or families living apart in order to increase their income. I’m ready to be accused of benefit bashing or called all the names under the sun. Don’t care sorry!

OP posts:
Wynter25 · 11/04/2026 12:05

Theyre doing nothing wrong

Chiconbelge · 11/04/2026 12:05

But you don’t actually know anything about their finances? Including for example what support she gets from her family, childrens ex or from her new DH?

DSis did this - absolutely no benefits. Plenty of complicated reasons on both sides. Now happily living together.

TheAutumnCrow · 11/04/2026 12:05

nearlylovemyusername · 11/04/2026 11:58

well, it is OP's business (and mine) because we're funding their lifestyle as taxpayers.

Tell that to these children’s fathers. They should be paying, not evading.

Lugol · 11/04/2026 12:06

All the posters saying 'mind your own business' are part of the problem.

When couples are doing this (and there are two where I work doing this) it takes up two houses, usually claiming as a single parent whilst the taxpayer supports them.
Don't you think part of the housing problem would be solved if fathers were actually made accountable (like they are in the US) for taking care of the families they have created?
Why SHOULD the tax payer pay extra to support families where both parents are actually present, for kids these people have chosen to create?
It's everyone's damn business.

And the one family I know of who lived separately where he was actually paying for both households, it turned out while she was doing all the parenting, he was banging everything that moved.

ToKittyornottoKitty · 11/04/2026 12:06

TheAutumnCrow · 11/04/2026 12:05

Tell that to these children’s fathers. They should be paying, not evading.

Who said he is? It wouldn’t impact her benefits either way

XenoBitch · 11/04/2026 12:06

I do not live with my DP. We do not want to live together anyway.
I am on UC, and he is not. We would both be a lot worse off if we lived together.

Lomonald · 11/04/2026 12:07

slimline · 11/04/2026 12:02

Benefit claimants, and most of the people on this thread too

Ah so it is benefit bashing just not about these specific people, I suppose you have a mental list of who is "entitled" and who isn't.

slimline · 11/04/2026 12:08

ToKittyornottoKitty · 11/04/2026 12:02

So you think mums of disabled kids should be made to find men to live off even if it puts them or their kids at risk? You can’t see anything wrong with that?

No, I do not believe that women should seek out men to depend on financially. However, if a woman has made a commitment to a relationship through marriage, then I believe they should combine their resources, instead of living apart in order to maximise benefits.

OP posts:
XxXxXxXxXxXxXxXxXxXxXxXx · 11/04/2026 12:09

Lugol · 11/04/2026 12:06

All the posters saying 'mind your own business' are part of the problem.

When couples are doing this (and there are two where I work doing this) it takes up two houses, usually claiming as a single parent whilst the taxpayer supports them.
Don't you think part of the housing problem would be solved if fathers were actually made accountable (like they are in the US) for taking care of the families they have created?
Why SHOULD the tax payer pay extra to support families where both parents are actually present, for kids these people have chosen to create?
It's everyone's damn business.

And the one family I know of who lived separately where he was actually paying for both households, it turned out while she was doing all the parenting, he was banging everything that moved.

Edited

He’s not their father

AquaLeader · 11/04/2026 12:09

slimline · 11/04/2026 11:25

Freedom of speech. I can talk about what I want. Who is going to stop me?

Idiots gotta idiot....

XenoBitch · 11/04/2026 12:09

Elsvieta · 11/04/2026 11:58

"The system" treats all married couples the same for purposes of financial assessment, regardless of whether kids belong to both parents or not. Why should he support her kids?

Only if they live in the same household.

slimline · 11/04/2026 12:09

Usernamechanging · 11/04/2026 12:03

Because people don't support your views, they must be benefit claimants?

I never said they were benefit claimants. Stop making things up lol

OP posts:
Thechaseison71 · 11/04/2026 12:09

Savvysix1984 · 11/04/2026 11:33

It’s probably for financial reasons but equally I wouldn’t want to live with someone with two kids who aren’t mine. Seems unusual they got married though.

This I would neither want to live with so eone else's kid s and definitely not be financially responsible for them

TheChosenTwo · 11/04/2026 12:09

I know a husband and wife who don’t live together. They each owned separate properties and both have always lived independent lives. They’ve been together for about 15 years now, they see each other one night during the week and then spend each weekend at one or the others house. They’re perfectly happy with the set up and seem a very happy couple.
No kids though and no benefits that I know of, so does that make it okay for them to want to live separately op?!

ToKittyornottoKitty · 11/04/2026 12:09

slimline · 11/04/2026 12:08

No, I do not believe that women should seek out men to depend on financially. However, if a woman has made a commitment to a relationship through marriage, then I believe they should combine their resources, instead of living apart in order to maximise benefits.

Quite a few people have pointed out several
other valid reasons why living together may not make sense for them

Catkinsblossom · 11/04/2026 12:11

slimline · 11/04/2026 11:59

💯 💯 💯

They all think there’s a magic money tree in the back garden!

There is a magic money tree. It's called wealth tax, universal basic income, state investment in renewable energy, taking water back into public ownership, sorting out and investing in school and sen provision so that fewer people get on the treadmill to low earnings, preventative community healthcare so people don't have such poor and expensive MH, and also expensive prison sentences which mean we have to build more expensive prisons. It's called rejoining the EU so we can benefit from shared resources, it's called welcoming innovative immigrants and boosting green growth by giving them jobs. Above all it's called regulation that stems the absolute bleeding of all our national wealth into the pockets of private equity. Why is it more expensive to take your dog to the vet or your child to the dentist these days? It's because the magic money tree is shaking its golden leaves into the baskets of billionaires. It's called impact investment and community wealth building.

There is a whole forest of magic money trees.

But we can't plant them, we can't have all these good things, because people like you, OP, don't educate yourself about how the world really works, and would rather sit with the emotion of punitive, mean spirited zero-sum-game resource management.

I understsnd your frustration OP. I too give in to mine - actually here, I know damn well that me saying this just adds to the polarisation and doesn't help you change your mind. But I sometimes I too give in to frustration.

TheAutumnCrow · 11/04/2026 12:11

Lugol · 11/04/2026 12:06

All the posters saying 'mind your own business' are part of the problem.

When couples are doing this (and there are two where I work doing this) it takes up two houses, usually claiming as a single parent whilst the taxpayer supports them.
Don't you think part of the housing problem would be solved if fathers were actually made accountable (like they are in the US) for taking care of the families they have created?
Why SHOULD the tax payer pay extra to support families where both parents are actually present, for kids these people have chosen to create?
It's everyone's damn business.

And the one family I know of who lived separately where he was actually paying for both households, it turned out while she was doing all the parenting, he was banging everything that moved.

Edited

Yes, evading fathers should be made responsible for child support. I’ve asked about this on the Rachel Reeves web chat thread (closes tomorrow!)

Sanctions are not being used, despite being available.

How many government ministers over how many years have come on MN and said they’ll deal with it? And yet still hundreds of thousands of men owe billions to their own children. They walk away and hand off their children and their responsibilities to the mothers and the taxpayer.

Usernamechanging · 11/04/2026 12:11

slimline · 11/04/2026 12:08

No, I do not believe that women should seek out men to depend on financially. However, if a woman has made a commitment to a relationship through marriage, then I believe they should combine their resources, instead of living apart in order to maximise benefits.

But you don't know what their reasons are. You're guessing, at best. Making assumptions about the ins and outs of someone else's relationship. You can't see what is going in and out of their bank accounts. You don't know what contributions each is making financially to their situation.

Usernamechanging · 11/04/2026 12:13

slimline · 11/04/2026 12:09

I never said they were benefit claimants. Stop making things up lol

You very clearly indicated just that. Lol at you too.

Nervousmummy2 · 11/04/2026 12:15

In reality it’s nothing to do with you none of your business and nothing for you to use the space in your brain worrying about.

slimline · 11/04/2026 12:15

TheChosenTwo · 11/04/2026 12:09

I know a husband and wife who don’t live together. They each owned separate properties and both have always lived independent lives. They’ve been together for about 15 years now, they see each other one night during the week and then spend each weekend at one or the others house. They’re perfectly happy with the set up and seem a very happy couple.
No kids though and no benefits that I know of, so does that make it okay for them to want to live separately op?!

It’s a completely different situation, because they’re not relying on the state to fund their lives.

OP posts:
Blondeshavemorefun · 11/04/2026 12:16

Lomonald · 11/04/2026 11:24

In what way are they taking advantage? She would still not work because her child has SEN she would still get benefits for caring for her child which isn't his.

If lived together his Income would be treated as hers so likely she would lose a lot of rent being paid /and uc and new husband would be supporting his wife and step kids

which is the way it should be esp as married

but obv they live alone. She gets everything paid for as can’t work due to sn child

slimline · 11/04/2026 12:17

Usernamechanging · 11/04/2026 12:13

You very clearly indicated just that. Lol at you too.

No, I didn’t. Learn to read.

OP posts:
Thechaseison71 · 11/04/2026 12:17

ArtAngel · 11/04/2026 11:46

I can’t see how overall they as a married couple are better off by doing this.

Yes if he moved in she would lose some benefits, but between them they would have fewer overheads and he wouldn’t have his rent to pay so could contribute to hers.

So I guess there is some practical reason, probably due to the DC’s SEN, that means they can’t live together even though they have chosen to marry.

He wouldn't necessarily be better off. He's then on the hook for 4 people's expense.

I do know someone who was a single mum of 2. Got tax credits housing benefit etc. He boyfriend lived in a shared house paying £80 a week inclusive.

If they had lived together she'd have lost all her benefits and he's be expected to support her kids and her. Would cost him much more

Tacohill · 11/04/2026 12:17

slimline · 11/04/2026 11:58

Doesn’t make it right. I’d rather have morals and self respect personally, but hey ho.

The jealousy is just oozing out of you.

Let me guess, this man turned you down?

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