XP and I weren't married. 3 children. I work 20 hours and get topped up with TC and CHB. His income is twice mine. We split the equity from property equally. He has the children with him at weekends. We have an informal arrangement whereby he pays for the bulk of the children's stuff beyond food, like school meals, trips, some clothing, some shoes.
However due to the informal nature of the arrangement I often just pay for stuff because I feel like it- I got the school shoes this year for instance. Or because it's for items needed at my house- new underwear all round recently. Or because he hasn't got round to paying for something and it becomes urgent- school trip etc.
I don't think I can actually afford some of this. I suggested a joint account when we split. Nothing got done. Suggested again recently after the last minute school trip panic. No response.
Apart from the financial struggle it causes, constantly having to say ask your dad when the children need or want something is making me feel crap. If we had a joint account into which I paid a small amount monthly and him a larger amount it would solve the problems. Or am I being unreasonable?