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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:
mjf981 · 16/10/2024 00:33

LTB, keep your job if you like it, and claim child support and whatever benefits you would eligible for to top up your wage. He sounds horrible and very very selfish. I couldn't live with such a man, no matter how good a Dad he is.

WinterFaye2 · 16/10/2024 05:17

OP, this is financial abuse.
You are also vulnerable being unmarried.
You believe you have a good relationship aside from this but would you do this to him?
You need to get yourself in a better financial position. You say you pay the childcare, presumably as he is paying the mortgage? Key factor here is that’s HIS mortgage, you have no claim over the house should you split. Therefore childcare is a joint cost as it’s a joint ‘asset’. The mortgage is his coast as it’s not in your name.
So I’d get a better paid job and stand your ground on him contributing to childcare or just having the kids himself x

Bunnycat101 · 16/10/2024 06:43

Unfortunately you are a case study of why you shouldn’t do what you’ve done while being unmarried. He has for the house, high earning job, pension and you have debt. How have you let this happen over 14 years? A man who truly loved you would not want to see this happen.

Bewareofthisonetoo · 16/10/2024 07:13

I had similar and in hindsight he really didn’t love me and I was a mug. Luckily we were married so I did get something when I finally left him, but he was still able to shaft me financially by out/lawyering me bacause he had the money to pay sharky lawyers.
Please do get legal advice -get all the evidence you can of his finances and plan an exit strategy. It won’t get better.

Bestyearever2024 · 16/10/2024 07:19

This thread makes me cry

OP.....please go and see CAB and ask what you're entitled to, benefit wise, and how they can sort your debt repayments out

Leave this disgusting vile man and claim CMS.

NEVER ever do this to yourself and your children again

TarantinoIsAMisogynist · 16/10/2024 11:59

Bewareofthisonetoo · 16/10/2024 07:13

I had similar and in hindsight he really didn’t love me and I was a mug. Luckily we were married so I did get something when I finally left him, but he was still able to shaft me financially by out/lawyering me bacause he had the money to pay sharky lawyers.
Please do get legal advice -get all the evidence you can of his finances and plan an exit strategy. It won’t get better.

Edited

The OP is not entitled to any of his money or assets, so it won't really benefit her to "get all the evidence [she] can of his finances".

She is better off focusing on her own situation and planning a financial future without him. She needs to sit down and working out what benefits she'd be entitled to, including child maintenance, what her earnings could be if she worked more hours, what her living costs would be, what CMS she could get (but not to bank on this as many men find ways not to pay), and where that leaves her.

Bewareofthisonetoo · 16/10/2024 12:29

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

TarantinoIsAMisogynist · 16/10/2024 13:04

This isn't about someone "not being bothered", it's about abuse.

I'm more than happy for my taxes to fund benefits to support women trying to leave abusive relationships.

Ohfuckrucksack · 16/10/2024 16:17

@TarantinoIsAMisogynist Slight problem with this is that whilst taxpayers could end up paying to support OP and her children, her partner is likely to do his level best to avoid paying at all.

He could be happily sitting in HIS house, with all HIS money from his important job, perhaps offering 50:50 custody to prevent paying child maintenance but then welching on this on a regular basis because he's terribly busy in his important job and he's sure OP understands because after all she's terribly understanding it seems.

I am not happy to pay for OP's children's needs whilst their father doesn't.

Flextime · 16/10/2024 21:57

OP
You need a plan to leave this man. Get whatever help you need . You need your own life and to not be struggling . Vile man .

DaphneduM · 17/10/2024 09:08

I'm so sorry you 're in this position. Honestly, I'm not sure how you can remedy the situation, apart from leaving him. He will never change - he's absolutely able to live his financial life on his own terms, while you've made sacrifices with yours and your future security. This is, as others have said, financial abuse.

Did your parents not advise you about how insecure you are without marriage?

You're just treated like his servant.

I guess you could threaten to leave and take the children if he's not more financially supportive - but absolutely don't make that threat unless you're prepared to carry it out. I would leave, fourteen years is long enough to be disrespected and unprotected. He's not shown you and the children any love - what a vile man.

Nuthatches · 19/10/2024 15:07

leave him, if you wage is low and you pay childcare you will get UC and he will have to may child maintenance. You will be a lot better off and as a bonus, will have gotten rid of him! win win

ncncncncncnchhh · 19/10/2024 19:59

Why are you not married? You could claim benefits without him and you would be housed because of the children. The kids reach 18 and you split, then what? You get a mortgage and pay it for the rest of your life. Honestly your head is in the sand.

TarantinoIsAMisogynist · 19/10/2024 20:02

ncncncncncnchhh · 19/10/2024 19:59

Why are you not married? You could claim benefits without him and you would be housed because of the children. The kids reach 18 and you split, then what? You get a mortgage and pay it for the rest of your life. Honestly your head is in the sand.

It's pretty obvious that her DH doesn't want to be married because then his precious asset might be at risk...

BrickKoala · 19/10/2024 20:08

My OH earns 10 times more than my part time wage. On his pay day he keeps what he needs to cover his outgoings and then transfers the rest into our joint account for me to organise, we keep a set amountin that accountfor shoppingetc then the rest we put to one side and transferit over as we need. I also do the same when I get paid. Everything we have is shared but I manage it despite him earning way more than me.

Zanatdy · 20/10/2024 08:58

Why are you with this man? Send him a bill for all the unpaid childcare, pick up’s, cooking and cleaning and leave him. It’s no partnership at all when he’s willing to see you on a debt plan and do nothing to help.

IVFmumoftwo · 20/10/2024 09:45

Ohfuckrucksack · 16/10/2024 16:17

@TarantinoIsAMisogynist Slight problem with this is that whilst taxpayers could end up paying to support OP and her children, her partner is likely to do his level best to avoid paying at all.

He could be happily sitting in HIS house, with all HIS money from his important job, perhaps offering 50:50 custody to prevent paying child maintenance but then welching on this on a regular basis because he's terribly busy in his important job and he's sure OP understands because after all she's terribly understanding it seems.

I am not happy to pay for OP's children's needs whilst their father doesn't.

So if he won't pay and you won't pay who will? Leave the OP in penury? She can claim as many benefits as she wants if she leaves as she will be deserving.

I doubt you even pay that much for benefits anyway.

flutterby1 · 20/10/2024 10:02

Are you mentally unwell OP ? Have you read what you have written back to yourself ??

No thanks to your life

Divorce

I simply couldn't put up with that.

As a person who does it all alone I'm telling you that You're better off on your own.

Have the guts.

flutterby1 · 20/10/2024 10:04

Ps sorry, I see you're unmarried so atleast you won't have to divorce.

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