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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:
jolaylasofia · 29/07/2023 01:07

In all honesty i couldn't put up with a husband that didn't share finances as 1 pot. Both my husband and I have earned more/less than each other but always put it in 1 account and everything is spent out of 1 account.
i've been married 21 years and just can't fathom everything being separate.

Divorce him and get half of all your properties love. Your kids must me nearing school leaving age or already left like mine so they should be less dependent. There's no need for you to feel scared and alone you have worked hard all your life for everything you have.

Aquamarine1029 · 29/07/2023 01:07

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.

JFC, I just saw this. Op, you are in massive trouble. Your own husband is conning you. You need financial and legal advice immediately, and you cannot allow him to deposit these funds into an account solely controlled by him.

Codlingmoths · 29/07/2023 01:12

Put a hold on the sale. Explain nothing is going ahead until half goes to an account in your name, I wouldn’t even trust a joint account at this point. Get angry!!! He’s treated you like a bank for most of your life together and somehow gets away with it by getting mad at you? Get madder. Tell him his marriage is just about dead in the water and you are done excusing his financial abuse because he had a poor childhood. You have never ever shown him you can’t be trusted and he has never treated you like a partner but always been happy to take. Consider seriously the possibility he’s not a traumatised man, just a nasty greedy selfish fucker who doesn’t love you but will take everything he can get.

Totalwasteofpaper · 29/07/2023 01:37

He hasnt changed. Your circumstances have changed and your ability to compensate for his dickheadery has diminished.

You need a much firmer line on this honestly.

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
This is a hard no. I would advice your solicitor EXPLICITLY not to complete and not to release funds to him only.
I would also refuse to sell them amd threaten dicorce if he cobtinues this nonesense. And id mean it.
If you divorce now you are in a much better position than if you wait for them to go to uni.

What a cheek fucker. If anyone is being taken for a ride its you. But you know that.

Also you are right re:,jobs sadly. i work in the industry at 53 unless your mate is the CEO someplace and will sort you out you are done. But well done on hanging in there that long (seriously) as a woman especially its no mean feat.

ensayers · 29/07/2023 01:39

When things need to be said, but somebody won't stay and listen, then put it on paper and let them read it in their own space.
Opening an account in just his name for the sale of your joint property funds, is such a massive red flag. Please don't let that happen.

caringcarer · 29/07/2023 01:56

Contact the solicitor and tell them to put your half into your personal bank account and supply the details. Your DH sounds financially abusive. You are afraid to speak to him about money. He shouts and Huff's and puffs at you to make you afraid so you won't ask him again. You have carried him for years now your redundancy is running out he won't even share the joint money from the house with you. You really are sleep walking into being penniless. Go and see a solicitor now. Tell them what you told us. If the property solicitor has already paid your DH the full amount in his personal account get the divorce solicitor to write to him demanding he pays half of the money to you. I'd be binning this abuser off. You and the kids will be better off without him and unless he wants kids half the time he will by law have to pay you child support for DC. You will get a UC payment and you will manage. Maybe you can pick up some part time hours.

greenspaces4peace · 29/07/2023 02:08

You have zero proof that he is “better at managing money” than you.
You will need to behave like an adult and not only approach him about the topic but work with the numbers.

SunRainStorm · 29/07/2023 05:49

What a prick.

He was happy to live off you for years- were you a 'meal ticket' for him?

I'd insist on counselling as a first step, if things dont improve I would divorce over this.

He wants to have his cake and eat it too, which isn't new for him.

3luckystars · 29/07/2023 06:04

I think his mind works differently than yours, he doesn’t communicate like you do.

you need to write everything out, put it in a pie chart if you need to and show him the facts as you have presented them to us.

Not talking about it but visually present what has happened financially over the years.
Leave it with him.

what do you want? Do you want to take some more time off?

Then do and don’t let him railroad you again. If he can’t take in what you are saying, get a mediator to get the message to him.

you need to stop giving all your money away, sacrificing everything for your family, while he protects his money, his energy and himself.

ZeldaWillTellYourFortune · 29/07/2023 06:26

You need to speak directly to whoever is handling the property sale and insist on half the proceeds to YOUR private account. Don't let this slide.

Yes, of course you need a job.

Why are you going to waste what is left of your life on some shouty moocher you tiptoe around?

SunRainStorm · 29/07/2023 06:41

'He IS better at managing money than me'

I'd be better at managing money if someone else was covering all the house and child expenses for me... the cheek of this man.

FoodFann · 29/07/2023 06:44

Sorry OP, this is awful. What does he spend his earnings on? Are you sure he’s not gambling?

When the property sells, the solicitors will require you both to agree where the money goes. Set up a joint acc, and insist it goes into there.

This is financial abuse OP. Your money is everyone’s, his money is his. If you’re not going through divorce imminently, I would still seek some kind of mediation or counselling for this. Police? He is abusing you.

Needapadlockonmyfridge · 29/07/2023 06:47

He will have to reveal the financial stuff when you divorce him.

PurpleReindeer2 · 29/07/2023 06:47

Codlingmoths · 29/07/2023 01:12

Put a hold on the sale. Explain nothing is going ahead until half goes to an account in your name, I wouldn’t even trust a joint account at this point. Get angry!!! He’s treated you like a bank for most of your life together and somehow gets away with it by getting mad at you? Get madder. Tell him his marriage is just about dead in the water and you are done excusing his financial abuse because he had a poor childhood. You have never ever shown him you can’t be trusted and he has never treated you like a partner but always been happy to take. Consider seriously the possibility he’s not a traumatised man, just a nasty greedy selfish fucker who doesn’t love you but will take everything he can get.

☝️absolutely this

crew2022 · 29/07/2023 06:49

Get some help with this ASAP
He owes you £££
You should not be made to feel
Bad for asking

Heatherbell1978 · 29/07/2023 06:54

Alarm bells...this isn't right. I'm sorry OP I can't believe this situation has been allowed to get to this point. As high earners you should both be managing money on a joint basis and planning for retirement. It sounds like you've been managing money separately for a long time. You need to sort it - get legal advice.

smilesup · 29/07/2023 06:57

You've been together 17 years. If you live as long as my grandparents you have another 45 years with this cunt. You've got money perfect time to split.

nikinokinoo · 29/07/2023 06:58

Wow thank you guys.
I’ve woken up this morning to so many messages; so much support and such an huge amount of advice. What an amazing community this is!

So first off… I need to make an important addition to my original message to add some important context and to present things fairly as reading my post, I’ve made my DH (I’m trying to learn the lingo!) sound like a heartless monster!

Whilst he has never paid towards the household or the kids living costs at all, he HAS paid for their school fees. That has been a big ticket cost and every term when the money is due, he made it VERY clear what a big deal it was and how much of a sacrifice it has been.

I do recognise that and I am very grateful for him paying for the fees as it has been a HUGE financial commitment. However, so has been running the house and covering everything else… ironically - as I have tried to explain to him - this actually adds up to more money than the school fees!

Looking back I realise that his paying the school fees has been used as his get-out-of-jail-free card for years - he is untouchable due to his contribution - whereas the stuff I cover doesn’t seem to count?

We now have the money ringfenced for the final few years of school and, with my job
and salary coming to an end, this is why I’ve been pushing to discuss how we reset our approach to our family finances going forward.

@3luckystars I think your idea of presenting our individual contributions in an our chart is a really good way of getting him to appreciate what we have BOTH been contributing over years.

I agree that his opening of accounts his own name is a massive red flag and I will contact our conveyancing solicitor next week to ensure that they know to transfer only 50% to him and 50% to me.

When it comes to anything money related he is so cold and so aggressive but that comment last night about me seeing the equity from our property as a ‘meal ticket’ has set off massive alarm bells. I have never not grafted. I have never asked him for money and for him to say felt so insulting.

Reading back I realise that I can never feel comfortable with him controlling my financial existence - it’s like handing my power away. I admire those of your with relationships that work financially - I doubt sadly that I will ever get that sense of being in a team.

I need now to think about what type of jobs I can get in my 50s - despite the fact that I’m unlikely to find something that paid as well as advertising did.

Thank you everyone.
I feel refocused and ready to face into the conversation.

OP posts:
Dashel · 29/07/2023 07:02

He sounds like an abusive arse to me. If he gets angry quickly, won’t communicate and is also financially abusing you.

I would quickly speak to a new solicitor about divorce and what to do about this situation without telling your husband. If the new solicitor agreed, then I would still sell the property to fund your new life.

I would speak to the property solicitor and see if the proceeds can be split 50% into your account and 50z to his. If they agree make sure you have put that request in an email to them.

I would also strongly consider whether to talk to the police about financial abuse

Bearpawk · 29/07/2023 07:03

Have you always had separate bank accounts ? Nothing joined for family money?
What did you do when you were the higher earner in regards to bank accounts and who covers what and whose choice was that?

Noicant · 29/07/2023 07:08

He is not doing you a massive favour paying his own kids schools fees. Jesus, I’m a SAHM DH is about to pay DD’s school fees, do I feel grateful? Do I fuck, he doesn’t see it as a sacrifice, neither do I.

He’s trained you to be grateful while being financially abused. He is literally treating you like you and your children as some sort of burden he’s kindly taken on.

IWFH · 29/07/2023 07:20

Bearpawk · 29/07/2023 07:03

Have you always had separate bank accounts ? Nothing joined for family money?
What did you do when you were the higher earner in regards to bank accounts and who covers what and whose choice was that?

That's exactly what I'd like to understand too.

Hollyppp · 29/07/2023 07:29

My strategy here would be keep pushing the conversation over and over again. Be a dog with a bone, show him the spreadsheet, insist on a joint account for the money coming in.

Hes being difficult so that you avoid the conversation and he gets what he wants.

try over and over again until he realises you’re being serious. And if that finally doesn’t work, then divorce him

SunRainStorm · 29/07/2023 07:35

So He wants a medal for paying his own children's school tuition? Presumably it was a joint decision to have children and then to send them to that school.

That's not some favour he's doing for you. As you've rightly pointed out- it's the cheaper path than the financial commitments you have shouldered for years.

In his mind paying (less!) than you do is some great act of benevolence on his part, whereas the family is entitled to your money.

Absolutely get in touch with the conveyancer and don't let him pull anything sneaky with the proceeds of the sale. Call the conveyancer and then- crucially- follow up in writing so your instructions are very clear. No money transferred without your consent. If the conveyancer then transfers the money to DH without your consent you can go after them for malpractice so they will be making sure everything is done properly.

MsJuniper · 29/07/2023 07:41

I read your OP with an open mouth.

This hasn't changed with your update.

The audacity of the man.

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