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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:
ActDottie · 29/07/2023 07:43

He sounds awful and tbh I wouldn’t put up with it and I’d be looking to leave.

If you do want to stay with him then I think the only way you’ll get him on board is if you do therapy or get a mediator because otherwise the conversation will never happen.

Hibiscrubbed · 29/07/2023 07:49

Whilst he has never paid towards the household or the kids living costs at all

Absolutely cannot get past this.

You have paid for everything and done everything for years. You missed out on being with your children.

He is the one on the take. And I’d be very, very suspicious about all the money and accounts he has stashed. He has completely fleeced you.

School fees?! Who gives a shit.

Karwomannghia · 29/07/2023 07:50

If you were to get divorced, now is the time to do it.
Otherwise i would have a third party/ mediator/ financial advisor / solicitor in to discuss finances and lay down some rules

SheRaaaaa · 29/07/2023 07:55

What did he live off for all those years you were the breadwinner?

Who paid for this property and the deposit on it you are selling?

nikinokinoo · 29/07/2023 08:05

@noicant your message hit a nerve.

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.

You have described EXACTLY a what it feels like. Its funny how clear things seem when they are played back to you.

I think my compass for what is ‘normal’ in a partnership is off centre. For so so many years I’ve had to be grateful for everything he had done but not had any acknowledgment for what I’ve done - so much so that I’ve stopped believing that I’m also a major contributor.

I do want to send out a powerful message to my DDs and that is never to be financially reliant on anyone as you loose your power. I know that in a healthy relationship, this isn’t necessarily the case but in my case, this is what it feels like.

OP posts:
Riceball · 29/07/2023 08:32

In a marriage it’s normal to financially rely on each other as you both take on different roles and responsibilities. You are combining your skills and resources to add value to your lives and your families lives. He is adding no value. Consider your position OP.

TakenRoot · 29/07/2023 08:55

Yes, get your share of the house sale paid into an account in your sole name. A joint account can be instantly emptied into his sole account.

Is there any chance that he would agree to attend couples counselling so that you can talk about this in a safe space, and let him know the impact of his money outlook?

Though I truth I think he is controlling and probably financially abusive and this has been obscured up til now because you have been more than self sufficient financially.

If he felt ‘emasculated’ when you out earned him, I presume he now feels thoroughly ‘masculated’ and it isn’t in a good way.

Cornishclio · 29/07/2023 08:59

Tell him he has to cover household expenses as you have been doing that all this time. How have you let him get away with this? Absolutely not re property going into his name only. I would stop paying for all the household expenses NOW and tell him he has to pay at least 50%. No wonder he is good with money. He has let you pay for everything.

nikinokinoo · 29/07/2023 09:11

@SheRaaaaa the property is the flat that I owned when I met my DH. We’ve rented it out for years and the rent has covered the mortgage. It was transferred into both our names about 9 years ago.

when I was the main breadwinner, he was still working and earning a decent wage it’s just that mine was then a lot more so I covered most the costs. That’s just carried on despite his salary increasing and mine decreasing!

OP posts:
Cornishclio · 29/07/2023 09:12

I agree he is financially abusive and I would be very careful. First of all make sure the conveyancer knows your half of the property is going into your name. Work out school fees and household fees and lay it in front of him. Point out you covered everything when he was earning a much lower amount and you are worried that now he is the main earner he is not doing the same. Get your financial ducks in a row as I am not sure I can see this relationship lasting. Do you want to stay married to him?

crossstitchingnana · 29/07/2023 09:25

This situation sounds awful OP. IMO if you're married, or living together, then you financially work as a team. There is no "my" and "your" money.

He is financially abusing you and has done for years.

nikinokinoo · 29/07/2023 09:30

@Cornishclio the finance aide is just a part of it if I’m honest. He is emotionally absent a lot of the time and emotionally at times too. He’s a tricky guy to be with a one of life’s ‘drains’ vs ‘radiators’.

In the movie version of our lives, he’d be a shit 24/7 and decisions would be easier to make but real life isn’t that straightforward is it? I do love him but I’m tired of being shouted at, blamed for things, living with his moods and anger and the fact that he looks for the bad in everything’s fun everyone.

I sometimes think about going but I have no money and part of me would feel like I’m a shot for abandoning him. Aghhhhhhhh!!!!

OP posts:
Cornishclio · 29/07/2023 09:33

Why did you put the flat in joint names? Why have you accepted the unequal balance for 17 years? If he gets angry and won't have the conversation that is because he has learnt how to manipulate you into doing what he wants. Was there never any talk of joint finances? Everything into one pot and all costs split? That is what my DH and I did from getting married as there were periods of unequal income especially when we had DC.

Does he spend at all or does he just squirrel money away? That might be because of his childhood and he wants the security of a lot of savings but that doesn't mean he isn't financially abusive. Are you sure he doesn't have a gambling addiction. I would be having a full and frank conversation with him. If he gets angry and won't discuss I would certainly tell him divorce is on the cards.

cadink · 29/07/2023 09:36

Well you have no money as he's deprived you of it. If you did split you'd be entitled to 50% of everything...

Cornishclio · 29/07/2023 09:38

You are not abandoning him if he won't share household expenses, won't give of himself or help you around the house and is constantly making you tiptoe around him. He is pushing you away. What about your DC? Is he a good dad or do they get the moods and anger too? Paying school fees by the way is not a favour to you or them and it is really emotionally abusive to expect gratitude for it. If the kids don't do well academically will he get angry about paying fees without the reward of brilliant exam results? That is a lot of expectation to put on children.

SunRainStorm · 29/07/2023 09:40

If it's your flat that you bought before you were even married, why does he get half of it?

He made no contribution to it, and in fact has benefited from it paying his bills and mortgage for years.

You are absolutely being financially abused.

Get some legal advice and then insist on counseling as you won't be proceeding with this marriage on these terms.

He can get as shouty as he likes. That doesn't mean he calls the shots.

Time to shout back.

CheekyHobson · 29/07/2023 09:44

I sometimes think about going but I have no money and part of me would feel like I’m a shot for abandoning him. Aghhhhhhhh!!!!

This is literally how covert abusers continue to get away with abuse. They are nice some of the time (intermittent reinforcement) so it's not an easy decision to leave, and they play the victim massively so that you will feel bad about wanting to leave them... even though you know they're treating you poorly.

And they invalidate your opinions by telling you you're controlling or over-sensitive or don't understand the pressures he's under or [insert blame here] to keep you on the back foot about whether you even have the right to leave a relationship that's making you miserable, just in case you've got it completely wrong and it's actually you who's the abuser.

But deep down you know it's not you. It just seems so terrible to believe that someone who you have loved and who's meant to love you is actually uncaring and manipulative and awful.

Mirabai · 29/07/2023 09:44

The solicitor cannot transfer money from a the sale of a jointly owned property into a single bank account without the written agreement from the co-owner - ie you. So what your DH is planning can’t happen.

But make sure you discuss it with your solicitor all the same.

Mirabai · 29/07/2023 09:47

The reality is that you have been DH’s “meal ticket” first when you out-earned him brought a property to the relationship and then when you didn’t but the status quo wasn’t changed to reflect that.

Depending on the amount - an investment portfolio would be an obvious place to put the money, although tbh - property is a more stable investment. So I would make appointment with a reputable financial advisor - and DH can either come along or not.

I’m not quite sure how you’ve managed to stay married for so long to someone who storms off every time you try to discuss finances.

Theeyeballsinthesky · 29/07/2023 09:49

I can’t believe what I’ve just read

woman what are you doing?? What is it you love about him exactly - do you love the real him, the shouty financially abusive one or an image you have in your head where you justify his appalling behaviour?

come on you know this is wrong. Talk to a solicitor and do not sign anything!

femfemlicious · 29/07/2023 09:52

Why are you paying for the household?. Just divorce this man immediately!

SheRaaaaa · 29/07/2023 09:55

nikinokinoo · 29/07/2023 09:11

@SheRaaaaa the property is the flat that I owned when I met my DH. We’ve rented it out for years and the rent has covered the mortgage. It was transferred into both our names about 9 years ago.

when I was the main breadwinner, he was still working and earning a decent wage it’s just that mine was then a lot more so I covered most the costs. That’s just carried on despite his salary increasing and mine decreasing!

So it's yours. He hasn't paid a penny towards it, and is now intending to keep the proceeds and has warned you off seeing it as your meal ticket?

He's one cheeky cunt.

Why did you put his name on it?

I'd see if you can get that changed, get all the money put in your own bank account and then divorce him. Get the money from the flat tied up in trust if you have to, so he can't get his grabby fingers on it.

Who paid your mortgage of the house you've lived in all these years? need I ask

I think you need specialist help on how to protect this flat, your current house, any other assets plus get a fair share of any cash.

Hungrycaterpillarsmummy · 29/07/2023 09:56

What the fuck have I just read?! Omg
Take evidence of absolutely every assert you own and leave him.. Jesus you have been royally screwed this whole time.

SheRaaaaa · 29/07/2023 09:57

By fair share i mean proportional to what you've paid in and lost in earnings and given up, not 50/50. He isn't entitled to 50/50 from the sounds of it.

Aquamarine1029 · 29/07/2023 09:57

I do love him

No, you don't. I promise you that you do not love this man. You have only convinced yourself you do in order to internally cope with the facade your marriage has become. You need to say you love him so you don't emotionally implode. You don't even like him.

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