Married SAHM

[Fifiona291]

My son is 1 year old and I'm currently a SAHM. My husband pays all the bills and works very hard. I put all the groceries, kids stuff , my spending on my credit card and he says he will pay it. Some months he doesn't pay on time. When I ask him if there's a problem, he says no he's just waiting for money to come in (self employed) but it can be frustrating my end because I feel I don't have any cash, everything is on credit. Any tips? I have asked him if financially he needs me to go back to work and he says no, but if I want to I can. I have another child (6) for reference.

In fairness there’s not necessarily anything wrong with spending on credit card and then paying it off at the end of the month, my uncle does this. All of his monthly spending is on credit card and then he pays it all off at the end of the month because by doing it this way he gets points and money back etc which makes more sense for him.

The problem for me is no transparency over finances and paying the bill late meaning interest ends up being paid. It may be that that’s just part of self employment, the money isn’t consistently paid on the same date each month like in a typical salaried job so there will be times when payments come in at different times, but it is important that you know what’s going on there.

Do you know how the opt out was done? Are you recieving National Insurance credits? Are you paying into a private pension? I don't want you to end up in poverty in later life.

You need your National Insurance paying while you are a sahm, so need to claim not get it paid if he earns to much.

And I agree with everyone else, shared pot for all income and not left for you to pay a credit card off

But sounds like you need to go back to work. Never depend on a man for money is my mantra

You get a job