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My husband won't discuss our finances

103 replies

nikinokinoo · 28/07/2023 22:57

We have been married for 17 years and during that time I have worked in the advertising industry, taking breaks for maternity leave for 9 months and a year respectively.

When we were first got together and during the years when the kids were little, I was the breadwinner. I really wanted to be at home with the kids but couldn't as we needed my salary. I accepted that but it was a really low point in my life.

As well as commuting into London everyday into a high pressured job, I also seemed to have responsibility for everything house and child-related and to make things worse, my husband then used to accuse me of emasculating him. I have never felt so abandoned and alone.

Fast forward 10 years and my husbands job has grown and he started out earning me, which seemed for awhile to help his self esteem. Last year, I was made redundant (at 53 I am quote a dinosaur in advertising years and my time was up). To be honest I was relieved in a way as it was exhausting keeping all the balls in the air and I'd hated the job for years.

I was lucky enough to have a fairly decent redundancy payout but since then, i have been using it to run the household and cover the kids expenses. About 6 months ago I prepared a spreadsheet to show my husband the monthly costs I had to cover (he has never had to cover anything to do with the house./kids and so i thought it would be a useful place to start) and I tried to engage in a conversation about the future and how we were going to go forward financially.

He refused to engage in the conversation and now my redundancy money is running out. I am willing to look for another job if needs be but want us to agree together how we should manage the household finances/division of labour and what the plan for the future should be. Whenever I try to broach the subject, he starts shouting and the conversation never happens. I'm actually scared to talk about it now but I need to.

I have never been financially dependent on anyone in all my life and In hate this feeling. I hate feeling alone and unsupported emotionally and starting to wonder if I'm the one being unreasonable?

Me issue is that hr has never really approached 'us' as a partnership. He has always acted like everyone (including me) is potentially ';on the take' and out to get him. I know this is partly shaped by his childhood experience (his father gambled and was financially unreliable) but after 17 years of grafting and contributing to the family both financially and in terms of running the house and managing the kids, I'd have hoped he'd see me as part of the same team.

I'm feeling scared and unsettled. I feel like I need to find a decent paying job as a form of self protection now.

We're selling some property that we own at the moment and when that goes through, we will have a decent amount of equity in the bank. I suggested that we should discuss what the future plan is given this money etc and he shouted that it wasn't going to be 'a meal ticket'. When I asked him what he was implying by that comment, he just stormed off and again, wouldn't continue the conversation. The worrying thing is that he's been opening bank accounts in HIS name to put this money into.... despite the properties being in both our names. I've challenged him on this and he's told me I'm overreacting.

He IS better at managing money than me (as in he resents spending anything and I do tend to spend more) but I am happy to contribute again if I know that we have a plan that we are BOTH working to. I at least want to feel that we've talked about how we will live and run the family costs.

He's always been highly stressed and anxious as a person and gets very angry very quickly, so I've been tiptoe-ing around the subject to try and avoid rows.

Has anyone else experienced this and found a way to engage in a constructive conversation?

OP posts:
Changingplace · 28/07/2023 23:02

No wonder he perceives himself as better at managing money if he’s never contributed to the house or kids costs!! How does he think these things are paid for?

What on earth has be been financially contributing all these years? if anyone’s on the take it’s him!

Changingplace · 28/07/2023 23:04

Money from the property sale needs to go into a joint account, no questions asked- I’m surprised a solicitor is happy to transfer to a solo account if it’s a joint sale tbh?

MissBPotter · 28/07/2023 23:04

Sounds financially abusive. How can he not contribute anything to the household? I would inform him he was putting a set quantity in to the joint account, covering all expenses, or I would be divorcing him. Before doing that try to dig as much as you can so you know what assets he has. Also what is this property and why is he going to get the equity from it and not you?

CrapBucket · 28/07/2023 23:05

Do you want to spend the rest of your life with this man?

BHRK · 28/07/2023 23:08

There is no way I’d let thee money from your joint properly go into an account in his name only! I would get legal advice and get it stopped. And divorce him if necessary. I’m being serious.
all your money should be shared and in joint names. If it’s not and he’s unwilling to do this, there is no way I’d consider a future with him.
you need to make copies of all the joint accounts and property you have in case he tries to move money into his name only

Dacadactyl · 28/07/2023 23:08

This man is outrageous. I wouldn't put up with it and we would have had the mother of all rows.

I'm not sure you're going to be able to come back rom this as a couple if he is so unwilling to be reasonable.

RandomMess · 28/07/2023 23:12

Open your own account and insist it's split 50:50. Let the solicitor dealing with the sale know your account details and to put your share there.

TokyoSushi · 28/07/2023 23:13

No no no, do NOT let that property money go into an account solely in his name.

Sounds like you might be better off getting another job OP so that you can support yourself and give yourself more options long term. That's not a great attitude at all of a partner of all that time.

Stratocumulus · 28/07/2023 23:16

Speaking from a similar experience many years ago ….

Start looking after your own interests because it seems like he won’t.
I would be incandescent!

I’d get really strident and frankly would consider leaving him. He sounds like a real sh*t.

Totaly · 28/07/2023 23:20

I would work out the coat of every single thing you are jointly responsible for and pay your half ….

I would tell him that’s happening not asking ….

I would also be tempted to work out how much you’ve contributed for the whole time

Stop being a mug

Makes me wonder if he also has a gambling addiction? These things run in families and he may not have the money you want to share or you are reducing his spending power?

Why the need to sell this property? Your mortgage must be nearly paid off?

toochesterdraws · 28/07/2023 23:26

Bloody hell. Get down the solicitor's and tell them exactly what he's doing. Tell them he is putting your money in his account and refusing to let you have your money.

To be honest, if the property is in joint names they should not be paying any sale proceeds into an account in his sole name anyway. Please go in there asap and get this sorted out.

MargotMoon · 28/07/2023 23:33

This is ringing serious alarm bells. Sounds as if he's squirrelling money away and then dissembling like mad when you bring up the finances. His aggression/defensiveness about money might be understandable given his past but it's not justified in the context of your marriage because you are not his father.

I'd seek some legal advice asap if I was in your situation.

GrumpyPanda · 28/07/2023 23:35

Good heavens woman, why are you funding the running of the entire household from your redundancy money? Madness.

Totaly · 28/07/2023 23:40

To be honest, if the property is in joint names they should not be paying any sale proceeds into an account in his sole name anyway. Please go in there asap and get this sorted out.

I had to sign a form to say I was happy for out joint sale proceeds to go into DH sole account so he can’t force you to put all the money in his account.

He’s not better with money he’s a scrounger.

You need to seriously think about your future.

Do you have a pension?

Do you need some career ideas?

fridaynight1 · 28/07/2023 23:51

You need to speak to the solicitor to ensure that the house sale proceeds are divided equally. It’s half your house. They can’t pay the money into someone’s else’s account without your permission.
I think you would have had to sign something first , please make sure you don’t sign anything before reading it properly.

LadyVictoriaSponge · 29/07/2023 00:05

Jesus I can’t believe what I have just read, he’s never contributed anything and you are paying for everything and now he’s trying to rob you blind by the sound of it, wake up you are being financially abused.

determinedtomakethiswork · 29/07/2023 00:24

Do you really want to stay married to this man? It's seems to me that this will be a really good opportunity to split up. Don't forget that he might be transferring money right left and centre, but there is a paper trail of that. The good thing is that he doesn't like spending money and so that money will be there when your solicitor gets onto it.

If you think I'm going overboard about the divorce, just re-read what you have written and think what you would advise your daughter to do if she told you that.

Ladyj84 · 29/07/2023 00:37

Wow I could never imagine my hubby leaving me to pay the way. In fact it's totally the other way around. We agreed for me to give up work to have the children now we have 4 and he supports us in everything and not just financially but soon as he get in from work dives in with anything that needs done. I can't imagine not being able to discuss finances with him. I let him deal with all finances by choice as he is very good at making sure we stay debt free and still have all we need. If I need extra it's there should I ask

Datdamndamp · 29/07/2023 00:37

My ex partner used getting upset and angry to shut down conversations he didn't want to have.
I left. No winning that game.

In your case I think the accusations are confessions. I would seek legal advice around money and separation and decide if you want to be with him.

Datdamndamp · 29/07/2023 00:37

I also wanted to say, I'm really sorry you're going through this and wish you luck.

redastherose · 29/07/2023 00:55

Do not let him put all of the money. From the property sale into his sole account. If he won't talk to you insist that you open your own account and put half in each. He is being financially abusive to you and I would seriously be considering whether I wanted to stay married to someone like that.

continentallentil · 29/07/2023 00:58

Money and assets should be shared 50/50

He sounds really weird and awful TBH OP. Do you want to stay with him or is this a good time for a break? You will be able to start a new career if you want.

continentallentil · 29/07/2023 00:59

I do also think the shouting and getting upset is just a way of shutting you down as a PP said. You can’t force him to talk and he doesn’t want to.

CheekyHobson · 29/07/2023 01:04

Hyper-reaction, evasiveness, vague accusatory statements towards you and refusal to discuss money are massive red flags.

I saw all these with my ex; he turned out to have a hidden spending addiction.

Do not let the property money go into a solo account, do not continue paying more than your fair share of costs and for god’s sake do not allow yourself to become financially dependent on a man who is withholding, evasive, angry and defensive about money.

Financial control is the padlock that keeps women trapped in toxic relationships.

Aquamarine1029 · 29/07/2023 01:04

He's always been highly stressed and anxious as a person and gets very angry very quickly, so I've been tiptoe-ing around the subject to try and avoid rows.

Of course he gets very angry very quickly. He does it to shut you up and keep you in your place. Sadly, he has trained you well.

Op, for such an intelligent person, you have been sleepwalking through your own life, and I'm absolutely astonished at what I've read. Your husband is a selfish, useless, financially abusive bully.

You need to to divorce this man. Do you have access to all of the accounts? I would be sprinting to a solicitor if I were you.