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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:
ZeldaWillTellYourFortune · 29/07/2023 10:06

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.

This! Why the hell does he think he has any claim whatsoever on YOUR flat?

Words fail me.

If I were you, I'd move into the flat and make him buy me out of the marital home.

Hungrycaterpillarsmummy · 29/07/2023 10:20

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!!!!

Because he's played you like a fiddle and made you use up all your money! You were actually rich or cash rich by the sounds of it and his sole contribution has been school fees whilst you sacrificed time with your kids to pay for absolutely everything else. He's taking your property and telling you it's not your meal ticket.

Id have said well actually, it certainly is! Why is he dictating to you what happens?
Id be VERY interested in seeing the state of his bank accounts.
Never spending anything is not "good" money management. Its pathetic

Hungrycaterpillarsmummy · 29/07/2023 10:21

If I were you, I'd move into the flat and make him buy me out of the marital home.

Good idea!

Needapadlockonmyfridge · 29/07/2023 10:34

ZeldaWillTellYourFortune · 29/07/2023 10:06

This! Why the hell does he think he has any claim whatsoever on YOUR flat?

Words fail me.

If I were you, I'd move into the flat and make him buy me out of the marital home.

Unfortunately, it would be considered a marital asset and in the marital pot...

But then- so will all his assets which no doubt he has been squirrelling away.....

SunRainStorm · 29/07/2023 12:05

There is some serious projection going on when he calls himself a 'meal ticket'! the audacity.

You have been his meal ticket for almost two decades and he intends to keep it that way. While reserving the right to resent you for it!

Absolute prick.

Get yourself to a lawyer and see what the property split would look like if you separated. Then have a come to Jesus talk with him about how the marriage can either dramatically change or end completely.

BabylonianChild · 29/07/2023 12:29

Now that he is the earner he’ll probably be quite happy for you to split and him get 50% of everything. You’ve been done big time.

You need to get as much as you can into your pension asap.

StartSWagaintomorrow · 29/07/2023 12:36

You are not his wife. You are his property. Get out. Get free. Protect yourself.

RosesAndHellebores · 29/07/2023 12:51

You need a spreadsheet. The starting point is your starting equity in your flat at the beginning, it's capital growth to when it was transferred into joint names. Then the value of your home.

Columns for what he has spent: school fees and anything else and what you have spent: from what you have said: mortgage, insurance, food, kids including activities, furniture, maintenance, etc. Some of the figures will be ball park but it will provide a record of your individual contributions and the equity in both properties.

You certainly don't have "nothing". You will be entitled to a significant slug of the equity and if you can prove greater investment in it, possibly a higher share of the equity.

A team renders equal input, albeit in different ways. It's perfectly reasonable for you both to have separate accounts and for you both to have a degree of confidentiality. I do and DH does.

You are 53. This is your first career breakdown sit back and take stock. You could easily work fkr another 15 years so you can easily invest in a second early career and take fulfilment for it.

You could easily have another 40 years ahead of you. Far more than you have spent with your DH. Don't look at the last 17 years as a sunk cost, look at them as as a learning curve for the rest of your life. What could you do now? Growth areas are compliance, data protection, etc., certainly far more. Alternates could be social work, healthcare complaints teams if you are a good drafter and communicator, or ombudsman's offices. If you are that way inclined, join the Labour Party, support some candidates. There will be vacancies for people to run their offices within the year. Your advertising/commercial experience will serve you in good stead for the campaign and PR side.

Go well.

Crikeyalmighty · 29/07/2023 13:04

@nikinokinoo I sympathise totally, my H is a 'creative' and gets pissy if I say we can't afford certain things. He too is a bit highly strung / moody when things aren't all his way. If he won't discuss finances going forward I would be looking for another job and seriously look at separation, so that the property sale money is split- it's outrageous that he won't discuss it and is expecting all the money to go to him - whereby you can't reach it unless you divorce (and in the meantime he may well be spending out)

nikinokinoo · 29/07/2023 17:09

Oh my word.

It’s like you’ve watched us.
This is EXACTLY what happens.
I mean EXACTLY! 😳

OP posts:
iknowimcoming · 29/07/2023 17:22

Hungrycaterpillarsmummy · 29/07/2023 10:21

If I were you, I'd move into the flat and make him buy me out of the marital home.

Good idea!

I think it would be far better to move the dh into the flat and OP can stay in her home with her children!

Orangello · 29/07/2023 17:25

oh so your money is his money and his money is also his money? He's really done a number on you - YOU have been supporting HIM, both financially and by doing anything home and child related on top. You need to snap out of it, he has not been doing you a favour by.. what, enjoying your labour?

nikinokinoo · 29/07/2023 17:29

Sorry that comment was in response to @CheekyHobson

i know I’m in a pretty emotionally abusive relationship but it’s a lot more normal (and at times okay) than the physical abusive one I was in before and managed to escape.

I know that this must make me sound weak and pathetic bit if you met me, I guarantee you’d never guess.

I am upbeat, I like to think pretty intelligent (apart from my choice in men!), I have lots of wonderful friends and I DO increasingly stand up for myself…. But only to a point. I don’t like rows and he shouts loudly. A lot. The thought of leaving fills me with dread as I honestly think he’d set out to destroy me as he’d see it as an attack on him. That said, I can’t imagine us being okay together once the kids are grown up.

Anyway, thank you so much. You’ve all been really supportive and given me lots to think about. I will speak to the solicitor about the flat on Monday and start to draw up a few spreadsheets to show what’s been contributed by who and when.

What an amazing group you are - thanks seriously. 🙂

OP posts:
Orangello · 29/07/2023 17:31

But only to a point. I don’t like rows and he shouts loudly. A lot.

I'm not one to shout LTB at first opportunity, but he sounds horrible. think how lovely it would be to live in a house where nobody shouts at you..

Wigeon · 29/07/2023 19:16

OP, have a read up on "the cycle of abuse". So much of what you are describing sounds like your H totally fits this pattern. 😕

My husband won't discuss our finances
Wigeon · 29/07/2023 19:19

Do you really think that by showing him a spreadsheet setting out the facts, he'll suddenly see the light, agree to more fairly splitting your finances, and you'll move forward on a much more even keel? Or will he come up with all kinds of reasons why you are completely wrong and unreasonable, and continue gas-lighting you?

From what you've said, I'm not sure whether rationale facts (ie the spreadsheet/pie chart) is what will change him. After all, if rationality had played any part, he wouldn't have been behaving like this for all these years, because from what you've said it's clearly unfair and irrational.

Jackiebrambles · 29/07/2023 19:31

OP your posts have really worried me, you sound so lovely and he sounds like a total bastard. He’d try to destroy you if you split?? What the fuck, that is so far from normal.

I’d stop the sale of the flat. Sign nothing. You are extremely employable I’m sure after all your experience. As an advertising/marketing consultant. So start on that plan, and start planning a divorce.

NoSquirrels · 29/07/2023 19:40

You could try telling him (with your spreadsheet) that if he doesn’t contribute fairly to the household expenses, you will be forced to use up your 50% of the proceeds from the flat sale. And then when that’s gone, you’ll get 50% of what’s left in his name in any divorce…

pamplemoussemousse · 29/07/2023 20:01

nikinokinoo · 29/07/2023 17:29

Sorry that comment was in response to @CheekyHobson

i know I’m in a pretty emotionally abusive relationship but it’s a lot more normal (and at times okay) than the physical abusive one I was in before and managed to escape.

I know that this must make me sound weak and pathetic bit if you met me, I guarantee you’d never guess.

I am upbeat, I like to think pretty intelligent (apart from my choice in men!), I have lots of wonderful friends and I DO increasingly stand up for myself…. But only to a point. I don’t like rows and he shouts loudly. A lot. The thought of leaving fills me with dread as I honestly think he’d set out to destroy me as he’d see it as an attack on him. That said, I can’t imagine us being okay together once the kids are grown up.

Anyway, thank you so much. You’ve all been really supportive and given me lots to think about. I will speak to the solicitor about the flat on Monday and start to draw up a few spreadsheets to show what’s been contributed by who and when.

What an amazing group you are - thanks seriously. 🙂

Oh op. You've settled for a level of abuse that's physically less damaging than the level of abuse you experienced previously, but it IS abuse.

It's very hard when you're modelled an abusive relationship as a "good" one growing up (I don't know this of you, but I'm willing to put a bet on it) because it's all you know and it normalises what actually isn't normal.

The Freedom Programme is something I think would benefit you, as is leaving your fucking arsehole of a "D"H.

I wish I could hug you and tell you that it doesn't have to be like this. I was where you are, I left and I never looked back. We are here for you.

Hungrycaterpillarsmummy · 29/07/2023 20:05

Why keep the kids around a shouty relationship 🤔

EntreMummy · 29/07/2023 20:29

Agree with PP - your H is not suddenly going to turn into a reasonable human upon seeing a spreadsheet with your contributions totted up over 17 years.

the facts as you’ve given them are - you brought a flat to the relationship that then paid the mortgage on your house. So - you’ve effectively put a roof over his head for free as well as covering all living costs from your salary.

Somewhere along the line it sounds like he guilted you into putting his name on the flat (that wasn’t his.)

He has got you so far cornered in an abusive marriage that you now think you have nothing that’s yours and you’re afraid of him.

Don’t model an abusive relationship to your daughters any more. Don’t let this cycle continue for another generation. Get yourself out.

nikinokinoo · 29/07/2023 20:59

@Wigeon i hadn’t seen this (the cycle of abuse) but looking at it - it’s sending shivers down my spine as it’s just so true.

if I felt like I had the money (oh the irony! 🤣) I’d invest in some counselling as just absorbing all of the comments on here and all your reactions is making me realise just how warped my view of ‘acceptable/normal/manageable’ has become.

There have been some pretty awful times - more than any good ones - but the good/okay/better times do make it confusing. He’s not all bad and I guess that’s why I’ve felt like I just need to keep the balls in the air and keep going.

I think some time to talk about what I’ve experienced and am experiencing will certainly help. I’ve started talking to a few friends about it…. Which makes me also think the cracks are starting to form…

I dont know any of you but you’ve all be amazing. X

thank you.

OP posts:
ensayers · 29/07/2023 21:10

Make sure you don't hastily sign anything that he shoves under your nose whilst you're in a rush and on your way out the door. Keep secret copies of all the documents you do sign, plus copies of any financial papers that you come across that are in his name

Orangello · 29/07/2023 21:25

He’s not all bad

No abuser is all bad. nobody would stay in an abusive relationship if the man was all bad. Of course they are sometimes nice, to keep you hoping that he could be like that all the time. It's an act though.

Totaly · 29/07/2023 21:33

The nice is them seeing you slip away and they spin the plates to keep you in line - then back to normal.

Why can’t he go and live in the flat?

Insurance companies are looking for staff, they are all separate for workers and prepared to pay! Lots of opportunities to move up as well. Have a look in your area.

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