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Reposted in this Topic: Finance and Separation...

8 replies

Whover · 06/08/2012 17:59

I have decided that I need to separate from my husband. I have very little independent finances (we have a joint account). I have no money of my own but I do know that I do not want to be in this marriage long-term. He isn't a bad man but doesn't give me what I need. We don't share a bedroom and haven't had sex for years. I desperately miss intimacy and it's now past the point where I want it with him. I suppose, in short, I'm asking for help in working towards separating. We have two DC under the age of 13, he earns a decent amount of money but we have a large mortgage, so not much spare. How do people who have no financial independence move on this? How do they separate? I mean do they secretly filter off money into a separate bank account??? If I leave then do I give up any rights I may have to the house (in both our names currently)? I just have no idea about how to even start making tracks in this direction. I just know I can't live the way I am for the rest of my life.

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Rockchick1984 · 06/08/2012 21:35

You need to discuss with him that you want to separate. A general way to resolve it is to decide who is staying in the house, and that person takes on the financial aspect of living there. You would be entitled to a percentage of the equity in the house. It would usually be 50%, but you would need to consult a solicitor about this.

If you kept the children he would pay child support to you for them, depending on if you work would determine any benefits you can claim www.entitledto.co.uk can give you an idea of what help you can get.

The bank can open you a separate account, and the joint account can be made into a sole account for either of you, with your husband's permission.

I hope you find the solution to your unhappiness.

CogitoErgOlympics · 07/08/2012 06:52

I would get legal advice if you've decided you need to split. The better informed you are, the better you can take things forward. You will probably need your own money short-term so if you can keep something back in the shape of CB or housekeeping, that will help.

Once you're informed and have decided how it is you want to progress, then tell him your decision.

5uzan · 07/08/2012 22:37

I really know where you are coming from. I am in the process of divorcing (have one 10 yr old) and it is very different to what I had imagined and common thoughts both legally and process etc
I suggest you do not tell him until you have had time to prepare for You. (and the children's sakes). Read up what you can on the web. Do not get confused by anything from any US sites. Here, there is wikivorce.com (but you put in where you are from for relevant info) and terry.co.uk. Most solicitors will give a free first consultation (check this is so first) so you could use it as a fact finding mission. There are sites that give good lists of what to have prepared before you initiate a divorce. Do what you can, but don't fret it if you can't do all they suggest.
I spent more than a year Finding out what I could before I was ready to move forward, and I am still getting confused or surprised by things in this process.
If you want to pm me please do.
I wish lots of strength and courage for the forth coming time in your life.

S

Cessj · 07/08/2012 23:31

Hi Whoever, I am so very sorry that you are in this position. My heart goes out to you and I empathise and sympathise completely. I have been with my husband for 20 years this December, married to him for 15 years. For much of that time, our physical relationship has fallen far short of my expectations. I cannot even look back on our Caribbean honeymoon with fond memories. Like yours, my husband is a fantastic man in so may ways. He took on my daughter as his own, and worked tremendously hard to overcome her reluctance to accept him in our lives. Due to having an early hysterectomy, we have not been able to have children together. When she became pregnant aged 17, he was the one who made me see that it wasn't the end of the world for her, and his readiness to accept and support her through her pregnancy helped me to come to terms with it. When my grandson was born (he was actually in the delivery room for most of the time until moments before the delivery when propriety necessitated his absence) he forged an immediate and incredible bond with him that has endured. As I write this, he is away on a camping trip with grandson who is now eleven years old. Yet, throughout all this, our physical relationship has been abysmal, to say the least. He is an incredibly loving and generous person...just doesn't have a particularly strong sexual drive. While I can talk with him about just about anything else in the universe, he cannot talk about sex or intimacy. I have come very close to leaving him in the past, and I am ashamed to say, have had casual (but safe sex) flings with other men, including a very intense affair which he discovered, and which left him devastated. We have muddled along since then, and despite my yearnings for greater intimate fulfilment, I have chosen to stay with him, because, ultimately, he is my best friend, my rock, and fulfils me in so many ways. That said, I got the shock of my life two days before last Xmas when I discovered that for the past two years, he had been having a series of sexual affairs with other women, as well as numerous internet relationships. I had always known that he had an interest in internet pornography but, deciding that it didn't threaten our relatively non-sexual relationship, I turned a blind eye to it. To cut a long story short, it seems that he has problems with intimacy - he can cope with casual sexual relationships that don't demand intimacy, but can't give himself in the same way in a close relationship. My first instincts were to keep quiet over Xmas so as not to disrupt our family Xmas but afterwards I went all out. We have talked a lot since then, more than we ever have, and the result has been a marked improvement so that we now enjoy much greater physical intimacy. It's not 100% perfect, but 50% better than it has ever been. So I have been where you are at. I have spent years sleeping alone in the spare room, full of anger and frustration, planning to contact a divorce lawyer first thing in the morning, while he has peacefully slept and snored on in the main bedroom. I understand completely why you have reached a decision to separate. It seems to me though that you still have some emotional feelings for him, and I am just wondering whether couple/relationship counselling might be helpful to you both? Your husband seems to have a very low or non-existent sexual drive and it might be worthwhile exploring that via counselling, if he is prepared to go along that route. Mine wasn't, but fear of my leaving him after finding out about his serial philandering was enough to get him talking to me. If he won't talk to you or refuses to consider individual counselling then I don't then you have any option but to leave, and find yourself a more compatible partner before it's too late. Fear of financial insecurity keeps many women tied into unhappy relationships , especially when there are children involved, but if you leave and gain custody of your children, he will be legally forced to pay child support. And even if he doesn't, I think you may well find, as so many other women before you have discovered, that while it is hard, difficult and tough, that you will manage. You will survive. You can rebuild a life for yourself and your children. You can find work for yourself. You can find ways of earning an income. There is a great deal of support out there, even if making your way through the maze isn't always easy. You are not, and will never be alone in your predicament, and you will find many other women in similar situations, raising children alone, who will be willing to provide a listening ear, a hug, words of advice and comfort as you embark on the possible new life ahead of you.

exaltedwombat · 07/08/2012 23:43

Just maybe - you stick it out until the childen are settled. Balance it all up.

Divorcedsinglemum · 08/08/2012 11:37

It feels awful, looking into the abyss of separation, but if you know there's no other way ahead, it can be done, and you will come out the other side. It's a sad and difficult time, but it doesn't last forever, and life will become settled again, just different. Remember that when things get bumpy. In practical terms, under UK law your husband will have to provide financially for your children and for you if you have stayed home looking after them. I certainly wouldn't hide money away, what I would do is find a good local solicitor for advice. Good luck. I write a blog on mumsnet about life after divorce, called The Ex Factor. It isn't plain sailing - but what life is? - but it feels real, rich and purposeful again, after many years in a dead relationship. I wish you lots of luck.

AllotmentFreak · 08/08/2012 12:10

Please take legal advice before you do anything they will give you the information so you can make the best decision.

Take advantage of a free half hour meeting with a Solicitor if there's such a scheme in your area. Write down questions so you don't waste any time within the half hour

I wish you well for the future :)

Whover · 13/08/2012 15:19

Thanks Suzan for the site refs. I will follow those up. And for all your advice. It's going to be a hard log road ahead I think. x

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