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Financially incompatible….

94 replies

Mum2sons1234 · 15/10/2024 18:06

Appreciate this is a bit long but after some advice please.
Bit of background first….

14 year relationship
UNmarried
2 kids
Separate finances- OH earns 4 x more than me. He is well off and is very much “what’s mine is mine, what’s yours is yours”. I appreciate some people put into the same pot, but we will never be that couple. I found it strange at first, because my parents always shared everything, but it’s something I had to accept many years ago.

I live pretty much hand to mouth on my wages. However the advantages of me having a lower paid job is our childcare costs have been cheaper, because I can work flexibly.

OH solely owns the home we live in.

OH pays mortgage, house bills and his personal bills. I pay childcare, food, kids extra activities and my personal bills. I also drive most places (I have the bigger car- I pay for the diesel). He works longer hours/days and I work full time, but also do school runs, activities, cooking and cleaning. Holidays, kids clothes, toys, etc we split 50/50. I thought all that seemed more than fair, but he has always had the attitude that because I’m not physically transferring money to him each month, I somehow don’t contribute?! When i challenged this and put our wages and expenses into a calculator and it worked it out proportionate to our salaries, it actually showed I paid slightly too much. He wouldn’t accept that fact (eye roll).

It all came to a head in August when I said I was struggling so much on a low wage and interest rates increasing on my credit cards , that I put myself onto a debt management plan. I was really anxious about telling him, through fear of being judged, but I didn’t want any secrets between us. Since I’ve told him, he’s become more guarded with his own money and rather than slightly paying more towards something because he earns more, like he sometimes would, he just point blank refuses to pay at all.

I might add that in the 14 years together I’ve always worked, never asked him for money and paid as much as I can in everything we’ve done together. I haven’t asked him to bail me out, even though he could easily afford to, but instead I tried to improve the situation myself. (If I was after his money, I would have given up and left by now!)

FYI this is a man who is on 80k a year salary and has about that much in savings too! I have £400 in my bank until payday. I’m also not eligible for any benefits/tax credits…because of his earnings…

I can’t fully explain how he’s changed but I suddenly feel uncomfortable, on edge and like I’m burden to him. I’ve purposely been in a lower paid job due to childcare costs, which we agreed on. If I was in a higher paid job, childcare fees would skyrocket and I would be expected to pay it, which would then counteract the pay increase. Because we don’t share finances, all this has done is made him richer and me poorer.

I know many will probably read this and say end the relationship, but aside from not being financially compatible (at all), we do actually have a good relationship and life with our children. I’m not quite sure what advice I’m after, but I just wondered if anybody has been through similar and how you sorted things out without it turning really bitter.

Many thanks for reading xxxx

OP posts:
DearHorse · 15/10/2024 19:11

Wauw what an awful man. If you don't want to leave, insist he pays more, lots more in fact. why is childcare your expense and not also his? does not make any sense. You should not be poor while he is rich.

Otherwise, make a plan, get a better job if possible and leave him.

CuriouslyMinded · 15/10/2024 19:15

Dear OP,
Like previous posters have said, this is incredibly worrying behaviour from your DP. And it is very telling that you didn't want to disclose your financial problem to him because of his potential reaction - which you judged correctly as he is now being more guarded with you.
I don't know how old he is or his history, but whatever may have happened in his past, you're the mother of his children yet he clearly does not trust you or care for your financial wellbeing and those are huge red flags.
Perhaps you could consider getting some confidential legal advice around your rights, but whatever route you take, things have to change. His wealth is increasing while you struggle to pay your debts and yet you share a life and a family. That dynamic does nothing to serve you or your future self.
Wishing you luck and courage, OP.

honeylulu · 15/10/2024 19:17

Would you have anywhere to go if you left his precious house? I'm thinking he needs a real shock that will make him revisit how he treats you. But you need to be prepared to follow through if he opts to accept you ending the relationship.

If you can sort somewhere to live (could you get UC top up on your income?) you can say you are prepared to leave with the children and claim CMS as you'll probably be better off. He will baulk at the idea of having to hand over some of his jealously guarded income and he'll no doubt be pissed off that his cooking and cleaning service will be gone.

The other option is more of a bluff caller so you'll need to keep a poker face and give the impression you will follow it through. You tell him you can't stand the financial abuse so if he can't promise it will change you are leaving but the kids will have to stay with him as you won't be able to afford a family home. I've got a fairly strong hunch he won't want that AT ALL but it's only going to have the desired impact if he believes you would really do it, so it might not be something you want to raise at all.

rightoguvnor · 15/10/2024 19:18

"we do actually have a good relationship and life with our children"

If this view is shared then he needs to put his money where his mouth is to keep it just so.
So if presented with "I think I will have to leave and live in a small property with my children, receive child maintenance from you and top ups from the state" should elicit swift appearance of the cheque book, quickly followed by a joint account paid into proportionally, and the suggestion of a discussion on how to make you feel more secure generally.
If it doesn't, then he doesn't share your view of your life together. That's a big problem now and for you as you get older and the dc grow up.

Whiskerkitten32 · 15/10/2024 19:19

What happens if he leaves you . You don’t own anything - he owns the house . You need to ask to be on the deeds or get married ( I suspect he’ll refuse both ) so if he does you need to get a better job , stop paying for all the childcare and food and start saving for yourself , as currently you have nothing and he has everything !

honeylulu · 15/10/2024 19:22

insist he pays more
How? OP doesn't have anything to bargain with.

Similarly "earn more money". OP is going to be limited in terms of jobs as I bet she's solely responsible for all children's drop offs and pick ups and Dickhead won't contribute to childcare costs.

VictoryOrDeath · 15/10/2024 19:22

This is bonkers - you're saving him money on childcare while you're struggling on a day to day basis.

I'd charge him full whack; that should redress things a bit. Or I'd dump him because he's a despicable arse.

FinallyHere · 15/10/2024 19:24

Completelyjo · 15/10/2024 18:33

These posts come time and time again and I still can’t wrap my head around working less to saving childcare costs for a man who has a mine is mine mentality. It’s the exact scenario to not reduce your work!!

This.

I find myself choking up, just thinking about so many women who, time after time, appear to sleepwalk into these abusive situations. And then think it's a good life with just the small cloud of financial incompatibility.

Please, anyone reading this. Don't do this.

User364837 · 15/10/2024 19:25

This is horrid and really sad.
i know you’re not married but you share children. Do you have to say no to them about stuff because you can’t afford it?
is he amassing savings?
there are few things less attractive than a cheapskate

BeachRide · 15/10/2024 19:25

Goodness, OP. How would you define a bad relationship?

VictoryOrDeath · 15/10/2024 19:28

IKWYM @FinallyHere. It's the double whammy of women often reducing their hours / not working their way up once they have children, paired with a thoughtless (at best) man who can work all of the hours he likes because his partner is holding everything together at home.

jollygoose · 15/10/2024 19:28

Please show him this thread it might wake him up if not it really is time to put yourself first and leave this horror.

2024onwardsandup · 15/10/2024 19:30

Why would you have to pay for the childcare if work more?

Ask him - and yourself - this explicit question.

because that’s the crux of the problem. You have adopted the traditional marriage set up of woman taking responsibility of children - but not the bit where the man has financial responsibility. Funny that.

i bet you do all his washing too.

leave him get maintenance you’ll have more time and not be financially worse off I imagine

Biscuits247 · 15/10/2024 19:34

You are being financially abused. You've raised his children to your significant detriment. He's not a team player, boot him off the team and do remember to present him with your billable hours (seeing as he didn't seem to want to compensate you as you went along)...

Assumptions made, 14 years together. Children aged 8 and 4 (obvs I don't know the specifics)

Let's say...

8 years of nursery plus some after school clubs = £60k
(Okay you may have stayed at home to do it yourself but that still represents loss of earnings for yourself and a saving for him)

Nannying and home care = £124,800

(It appears you have been doing this)
Average UK nanny rate an hour £14.05
Average cleaner rate uk £15-20. Not sure wages for a cook and personal shopper...

Let's call it £15 housekeeping service and let's say you do a conservative 20 hours a week 24/7 365 days a year for 8 years, I'm discounting anything before you started your shared enterprise, i.e. child rearing.

That's £184,000 worth of services you have provided with the opportunity cost of being unable to earn to pay for your half if it'd been a third party providing it.

Crabwoman · 15/10/2024 19:35

You have a good relationship because you've never stood up to this frankly bonkers and abusive situation.

Now you have challenged the status quo (by indicating you are struggling) he has changed.

See anything there, OP?

thesunisastar · 15/10/2024 19:40

2024onwardsandup · 15/10/2024 19:30

Why would you have to pay for the childcare if work more?

Ask him - and yourself - this explicit question.

because that’s the crux of the problem. You have adopted the traditional marriage set up of woman taking responsibility of children - but not the bit where the man has financial responsibility. Funny that.

i bet you do all his washing too.

leave him get maintenance you’ll have more time and not be financially worse off I imagine

leave him get maintenance you’ll have more time and not be financially worse off I imagine

But what if he demands the full 50/50 to avoid child maintenance? The OP is going to struggle to support herself on £20K a year, even with benefits? And if she increases her hours, it will be eaten up I'm childcare?

I'm not disagreeing BTW, I'm just wondering if the numbers would stack up.

PermanentTemporary · 15/10/2024 19:41

He has £80,000 in savings, an appreciating property asset, a free housekeeper and nanny. You have a debt management plan.

I'm almost sorry to say this because you were happy enough, weren't you? Just a tiny cloud appearing on your horizon when he seemed a bit more guarded around money.

But I'm going to say it anyway. He has fucked you over for years and years. I would wonder how he sleeps at night but I'm certain he sleeps absolutely fine. It is you who will be landed with the sleepless nights. I am afraid to ask what has happened about your pension. And child benefit - did he persuade you not to take it to reduce his tax bill? Have you checked your national insurance contributions?

Get some advice - legal, financial. Know the truth.

2024onwardsandup · 15/10/2024 19:45

@thesunisastar i suspect he wouldn’t because would look after the kids for his 50 percent of the time?

at the very least op you should combine the costs for the children with mortgage and then you get to go in the deeds for the proportion of that total amount you are paying. He can pay that off his asset because you’re paying for his children. It’s outrageous.

Hermione101 · 15/10/2024 19:50

OP, we have a similar set up, I make about what your husband makes and DP about 3x me over the years. We had a child later in life and he had considerable assets before this, so it made sense to keep things separate at the time. It has never changed and doesn’t feel like a partnership at times.

You need to increase your income and save more. Why is he not paying for childcare? Why are you not on the house?

You absolutely cannot be a doormat. I’ve increased my salary over the years and this has included an increase in childcare costs (for both of us). DP pays 3/4 of school fees and we split everything else accordingly. I strongly protect my income/my share of what I pay in this relationship and my own savings/pension/assets have increased considerably.

It sounds grim in a relationship, but the stark financial inequality at the beginning made me quite aggressive about protecting my income/savings/outgoings. Like I said, it sounds grim in the context of a family, but I can sleep at night and not stress.

cestlavielife · 15/10/2024 19:51

Work full time
"Our childcare costs" correct. So don't do free childcare

Game0fCrones · 15/10/2024 19:59

This ought to be pinned under 'Cautionary tale' at the top of the Relationships board as a warning to all women.

BestEffort · 15/10/2024 20:01

I left a man like this a couple years ago. It all worked 'fine' until I got hit with long term illness and was unable to work. Then I had nothing coming in because of his wage I couldn't even get child benefits. I was using my sons DLA to feed the family it was just wrong. It really highlighted to me how I was being used. He didn't even step up and help around the house or with the kids when I was sick.

I left him. Get would help towards childcare if I was working now because I earn less than £100k lol. For you OP you would be so much better off working and on UC if it's a low wage. You Get child benefit. As I'm still unable to work both due to my disability and my sons I get UC with carer element. I feel rich!! On paper im actually really poor but having lived how I did for so long its amazing having the stress of money gone. I'm so good at living frugally buying all clothes second hand and cheep foods etc every time I treat me and the kids which I can do regularly is just amazing. Oh and I get a good amount of child maintenance from ex because he has to pay that now we are not together, it costs him way more than he paid when we were together and now he has to do his own cooking and cleaning to boot. Plus I actually get nights off from parenting when it's his overnight! Funnily enough he wants me back now. Ha I think not mate

Alliolly · 15/10/2024 20:03

Wow! Why are you solely responsible for childcare cost?

TarantinoIsAMisogynist · 15/10/2024 20:04

honeylulu · 15/10/2024 19:22

insist he pays more
How? OP doesn't have anything to bargain with.

Similarly "earn more money". OP is going to be limited in terms of jobs as I bet she's solely responsible for all children's drop offs and pick ups and Dickhead won't contribute to childcare costs.

Yes, her only real option here is to leave.

Leaving is likely to put her in a better financial position as at least she'd be eligible for some benefits, and could claim child maintenance.

Cheesecakecookie · 15/10/2024 20:04

He saw you coming.

Have you at least ensured you are on the feeds of the house ?