Help end medical misogyny. Sign our petition.

Help end medical misogyny.
Sign our petition.

Sign the petition

Please or to access all these features

Housekeeping

Find cleaning advice from other Mumsnetters on our Housekeeping forum.

Stay at home Mums - Money

84 replies

sahmhe · 22/06/2026 18:31

I’m a sahm and have been since our child was born. She is now 10 and is Home Educated.

I just wondered if anyone in similar position receives any money for themselves. I get bill money but doesn’t leave much for anything else. I just hate asking for extra money to get a haircut or a few clothes.

OP posts:
Sparrowsandbudgies · 22/06/2026 19:44

You should both have equal spending money. Anything else is not okay.

Lottie6712 · 22/06/2026 19:50

Tulipsriver · 22/06/2026 19:32

All money goes into a shared account, shared savings, and our pension pots. There is no need for me to ever ask for money as it's just as much mine as DH's.

I love being a SAHM whilst my children are small, but I wouldn't have even considered it if my DH wasn't happy with 100% shared finances. In your shoes I'd tell my DH that I'm returning to work unless he agrees to share everything (and that he will be equally responsible for managing childcare, pick ups, and time off when they are ill). No adult should have to ask for spending money.

Edited

This! We both have full access to all our (shared) money - I can't imagine any alternative working

Hollabread · 22/06/2026 20:47

TAlife · 22/06/2026 19:18

What an odd post. I was a SAHM for a decade and it was bloody awesome. I've not been adversely affected at all in any way 😄

Well you're very fortunate then aren't you, unlike the OP and countless other PPs on here who are so clearly being financially abused and left so vulnerable. Your post is quite insensitive and so smug.

HHCrochetDiva · 22/06/2026 20:48

Is he paying into a pension for you? Also get your name on the house deeds, if he has a business he can put you on the books and pay you dividends it’s much more tax efficient.

Plantchoc · 22/06/2026 20:49

Hollabread · 22/06/2026 20:47

Well you're very fortunate then aren't you, unlike the OP and countless other PPs on here who are so clearly being financially abused and left so vulnerable. Your post is quite insensitive and so smug.

Oh hush @Hollabread

you posted you couldn’t understand why “anyone” would be a sahm

some of us loved it AND had full access to family finances

Tortephant · 22/06/2026 20:49

Plantchoc · 22/06/2026 19:24

Well, first try talking to him . We have no idea whether the op has even done that yet

and I have a feeling we won’t ever

And perhaps, we have no info, she is irresponsible with spending and can’t budget. Not taking sides, just giving balance to the post.

Plantchoc · 22/06/2026 20:51

Tortephant · 22/06/2026 20:49

And perhaps, we have no info, she is irresponsible with spending and can’t budget. Not taking sides, just giving balance to the post.

Exactly
the op has proved scant detail
so presumably doesn’t really want advice

notatinydancer · 22/06/2026 20:55

@sahmheis the house owned ? Is it in both your names ? You are in a very precarious position.

Hollabread · 22/06/2026 21:07

Plantchoc · 22/06/2026 20:49

Oh hush @Hollabread

you posted you couldn’t understand why “anyone” would be a sahm

some of us loved it AND had full access to family finances

Good for you. Why come on here and gloat. Start your own thread then.

MostArdently · 22/06/2026 21:41

I’m a SAHM and to answer the PP who can’t imagine why I’m a SAHM because the world is absolutely not set up for disabled kids and their parent carers. But anyway we have a joint account, DH’s wages and the benefits we get for our children all go into it and we both spend what we need.

Parker231 · 22/06/2026 21:44

SourdoughSally · 22/06/2026 18:45

DH always paid me a "salary". I had a decent amount, probably the equivalent of working 3 days a week, then money for groceries etc on top of that. He covered all the household bills.

Did you and your DH have the same personal money? What happens if you need a larger amount - an outfit for a wedding, replace the curtains or a weekend away with your friends?

TAlife · 22/06/2026 21:46

Hollabread · 22/06/2026 20:47

Well you're very fortunate then aren't you, unlike the OP and countless other PPs on here who are so clearly being financially abused and left so vulnerable. Your post is quite insensitive and so smug.

No, not smug, I wasn't answering OP in that post, I was replying to your absurd and insensitive post about why on earth anyone would want to be a SAHM, knowing full well that OP is one.

TAlife · 22/06/2026 21:47

Plantchoc · 22/06/2026 20:49

Oh hush @Hollabread

you posted you couldn’t understand why “anyone” would be a sahm

some of us loved it AND had full access to family finances

Thank you, that poster was being deliberately obtuse knowing full well my reply was to their post and not the OP's

TAlife · 22/06/2026 21:50

OP have you talked to him about how the current set up makes you feel and how unfair it is? You should have an equal access to family money

Plantchoc · 23/06/2026 06:24

TAlife · 22/06/2026 21:47

Thank you, that poster was being deliberately obtuse knowing full well my reply was to their post and not the OP's

Posters like @Hollabread are best ignored (or occasionally ridiculed if the mood so takes you), but never taken seriously

Plantchoc · 23/06/2026 06:30

Hollabread · 22/06/2026 21:07

Good for you. Why come on here and gloat. Start your own thread then.

Gloat.

Stating a fact. Relevant to the OP.

I think you need to just pause on this @Hollabread . You sound as though you are actively trawling threads looking for shadows

Conchiglie · 23/06/2026 06:33

When I was a SAHM all money was completely shared.

Could you get married OP? You're in a financially vulnerable position right now.

IHateSpring · 23/06/2026 06:46

I’m a SAHM and DH transfers the majority of his salary to me, then I pay the bills and keep the rest for small extra expenses. If either of us want to make a big purchase we’ll discuss it with the other. I also get the child benefit into my account. Are you eligible to get that?

catcatcat24 · 23/06/2026 06:48

SueDunome · 22/06/2026 18:38

Invoice him for the childcare of his children

I’ve never really understood this argument for being a SAHM because they’re your children too, you would have to take care of them regardless of whether he’s around or not.

ForDreamyMintHare · 23/06/2026 06:48

sahmhe · 22/06/2026 19:28

Thanks for your comments so far. I mean I don’t have to ask, he wouldn’t mind but he sends over enough for bills and savings (most months) and spends (coffees out etc) but that doesn’t usually last the month without a top up so I’m wary of spending.
someone asked if we were married and we are not.
money is not a issue for him, he runs a business and doesn’t have a problem spending money

Edited

You are massively vulnerable with no income and not married. What if he leaves tomorrow? You need to get married or put your child in school and get a job

AMillionYearsSAHM · 23/06/2026 07:09

How it worked for us, there was never any money to send over. I paid for everything on a credit card that was in Dh's name and I was an affiliated card holder.

All bills were paid automatically on direct debit, anything food wise, shoes for the children, days out etc was paid for on the credit card as we earned rewards with it. We had a joint bank account that I had full access too. I had my hair cut and coloured every 6 weeks, bought clothing for myself because I am a grown woman and did not feel guilty about this. I managed the finances.

Gently, as an unmarried woman who is financially dependent on a man you are in a very precarious position. I would suggest you get married, that doesn't mean a wedding, it can mean a registry office where the legal paperwork is done.

Have you got a pension? He is building his pension pot and you have no entitlement to it should anything happen and your relationship breaks down. You are not paying toward the house either so again, this puts you at risk.

Also do you see his tax return every year so you know how much he is earning? This is why joint accounts are a good idea as someone on PAYE you would see their salary going in every month. For business owners it is all in the business account and this is much easier to hide money. This is why financial transparency is a good thing.

Do you own the house as tenants in common or joint tenants? Does he have a will leaving everything to you? This can be changed so easily and why marriage protects you.

@MostArdently love the username, I became a sahm because I could no longer work due to poor health but could be home for the children. I think people tend to think it is black and white with the whole just go and work and don't rely upon a man to provide for you. Confused Some of us have no choice like you and although our circumstances are different it worked brilliantly for us and the children are now adults. Dh and I are still together after 30 years happier than ever.

icannotlivelaughloveintheseconditions · 23/06/2026 07:21

We have a joint account which the bills come out of. then we pay into savings and any left over money is split 50/50. I do work now but we did this when I was a sahp too.
Some things to think about-
Why is your partner comfortable with you having. a lesser lifestyle than you?
Do you have a pension? If no hiw will you support yourself in old age?
zAre you on the mortgage?
Why aren’t you married it would give more stability as a sahp

Rocknrollstar · 23/06/2026 07:23

sahmhe · 22/06/2026 18:31

I’m a sahm and have been since our child was born. She is now 10 and is Home Educated.

I just wondered if anyone in similar position receives any money for themselves. I get bill money but doesn’t leave much for anything else. I just hate asking for extra money to get a haircut or a few clothes.

When I was a SAHM I had access to our bank account and controlled all the money. DH never looked at anything financial. Can you ask for a personal allowance at least?

GreatOffWhiteFalcon · 23/06/2026 07:56

The old fashioned way would be for the working partner to make the SAHP an allowance for personal spending. Nowadays many couples in this situation have a joint account and pay for everything from that, with or without checking first with their partner.
Either way, you need your own spending money, and if DP wants you to be a SAHP he needs to make sure you have some, at an amount that reflects the household income.
And of course, you need to think ahead to what would happen financially if you and DP split up.

BuntyBeaufort · 23/06/2026 08:10

All our money, whether earned by me, him or both, went into one joint account. Everything was paid for out of that, and we each took what we needed as and when. Everything was OURS, no questions asked.

Swipe left for the next trending thread