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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

How do you know when it’s time to call it quits?

12 replies

NotYourAverageGiraffe · 21/01/2026 19:54

Honestly. I don’t know how much more of this bullshit I can take, yet the alternative is terrifying.

Ive been with my husband 21 years, since we were 17 and 18. Married 14 of those, 2 children aged 18 and 12.

We were great for a long time. Until we weren’t.

Im pretty sure I’ve been a victim of financial abuse and emotional abuse. Luckily never physical abuse.

I’ve always worked part time around the children. Even now im not quite full time working 30 hours. I used to do 12, then increased to 18, then to 24 and now 30.

He has always worked full time, worked for a qualification and worked his way up the ranks. We used to get full tax credits when our income was low which went into my bank as I paid all the kids stuff. We’ve always paid certain bills each based on our incomes. Tax credits and child benefit was factored into this initially.

As his income increased quite rightly our tax credits decreased. This reduced the availability of money I had access to. He refused to take on more of the bills as his wage increased, instead paying more into his private pension. I didn’t have a private pension at this stage as couldn’t afford to.

As a result I got myself into around 8k of credit card debt. Not good at all with 2 kids to support. Lack of finances available to me also meant I was walking 2 miles each way to and from work as I couldn’t afford a bus! I had gaffa tape holding my shoes together along with other horrid things.

Things slowly improved as I started to earn more and I was finally credit card debt free about 2 years ago after 12 years of having it. It’s still very much his money and my money though and I often have to go without it things such as new glasses prescriptions or dental work as I just can’t afford it. I pay more in food and energy bills a month than he does on mortgage and council tax!

I have recently found out he still has his mom as his beneficiary on his private pension if something was to happen to him, which I’m fuming about as I put him as mine as soon as I could afford to start one.

The emotional side is hard too. When I was diagnosed with postnatal depression after our children were born he laughed and said it’s all in my head and it’s a made up illness. He has also used a significant traumatic event I went through 3 years before I met him against me, said that’s why no one likes me and I have no friends, and says no one will like someone with depression who struggles to do anything other than go to work then rest at home.

He’s laughed at my weight, asking if chairs will support me. My BMI is about 32 so I’m overweight but not to the point a chair will not support me. He’s told me no on else would ever want me. That I would end up alone if I left him and I’d be on the bread line. He’s often starting an argument then twisting it saying I’ve done it.

We were watching a tv show recently where cheating on partners was mentioned (I forget the context now) and I said it’s disgusting if someone cheats and he kind of smirked so quickly that if I wasn’t looking I would have missed it but then he said “it’s more common than you would think”. I asked him if he had cheated and he said “I can’t believe you’ve asked me that” and wouldn’t speak further. Now I’m worrying whether I need to get an STI check. I’ve only ever been with him, and he says he lost his virginity to me too so I never thought that would be something I’d have to consider.

Yet despite all that above (and there is more but I don’t have the head space to type it) he can have moments of being lovely. I always get a lovely gift on my birthday and Christmas. We always have a lovely foreign holiday a year.

He’s an amazing dad. The kids never want for anything when he’s around and he clearly adores them.

I just don’t know how much longer I can cope, being with a man who appears to despise me, doesn’t respect me or see me as an equal. financially I’d be fucked though, I don’t earn enough to rent or pay a mortgage alone let alone all other bills.

I really do feel stuck right now, and as stupid as it sounds, I still love him 😢

OP posts:
SingleUseTeaTowel · 21/01/2026 20:39

It’s time but you love him so 🤷🏻‍♀️

Jibbee · 21/01/2026 20:45

Re read yr post. Happy marriages aren’t full of questions, aren’t there for the sake of the kids as this will have severe impact on them, aren’t full of suspicion, aren’t full of arguments or coldness, aren’t full of fear…

SliceofTosst · 21/01/2026 20:48

You should leave but you probably won't as you can't see anything outside this marriage.

It seems hard to leave and it is. But only initially. You don't deserve being treated like that just or a couple of nice presents and a holiday a year.

TheHillIsMine · 21/01/2026 20:48

This is not a marriage. You do understand that you get one life? Don't give anymore of it to him. Get out.

Arlanymor · 21/01/2026 20:48

I'm not sure that I could love a man who 'appears to despise me, doesn’t respect me or see me as an equal' - you've come this far to acknowledge all of that, what would he have to do to make you really see that you're being abused?

NotYourAverageGiraffe · 22/01/2026 16:19

Thank you for those who took the time to reply.

I know ive got to get out. I just honestly don’t know where to start for that. So much of my life is tied up with him. I don’t have anything of my own.

I'm just thankful the mortgage is joint so the house is half mine!

OP posts:
Justonelastbiscuit · 22/01/2026 16:24

NotYourAverageGiraffe · 22/01/2026 16:19

Thank you for those who took the time to reply.

I know ive got to get out. I just honestly don’t know where to start for that. So much of my life is tied up with him. I don’t have anything of my own.

I'm just thankful the mortgage is joint so the house is half mine!

And his pension that he has prioritised over your basic needs is also half yours!

NotYourAverageGiraffe · 22/01/2026 16:27

@Justonelastbiscuiteven if we separated? How does that work? Thank you

OP posts:
Justonelastbiscuit · 22/01/2026 16:36

NotYourAverageGiraffe · 22/01/2026 16:27

@Justonelastbiscuiteven if we separated? How does that work? Thank you

Yes. Speak to a lawyer but you are entitled to half his pension, half the house regardless of where the capital came from due to length of marriage and some form of child maintanance payment as he earns more than you but the court will be looking to ensure minimal life disruption to your 12 yr old so he will prob have to pay you money on top of your half of everything so your child can live with you for your portion of the time without moving too far or school disruption. He has screwed himself due to his greediness. Get hold of documents and info on money before you announce anything

Justonelastbiscuit · 22/01/2026 16:42

You can get free 30min or 45 min legal consultations with a family lawyer. Encourage you to make the most of those. You should speak to a few anyway. That will help you to understand what you would be left with so you can plan ahead

amber763 · 22/01/2026 16:48

Im so sorry. This is terrible. What an awful man he is. You might love him, but he absolutely does not love you if hes happy to see walking to work with tape holding your shoes together!

As others have said, half the house, his savings and his pension are yours.

You should leave and enjoy the rest of your life

Firefly100 · 22/01/2026 16:55

Yes you have been abused, sorry are being abused. Emotionally and financially. People who love you don't speak with contempt and say no one would want you. And to be honest, you would be better off alone than with an abusive partner anyway. You are only in your 30s. You have more than half your life to live!
In addition to the abuse, which is obvious, you should also divorce as it is the only way you will get access to your financial assets - yes yours. You did the support work that allowed him to build up that pension and that salary. You sacrificed (too much) to make that happen. If something were to happen to him tomorrow it would all go to his mother. That makes me so angry I could divorce for that alone. You are in so much a stronger position than you think. Get good legal advice.

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