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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Money issue in a new relationship

211 replies

RainbowB7 · 20/07/2014 18:48

I would like to get some outside opinions on an issue which is causing some tension...

I have been seeing someone new for a few months and really like him, we feel we are well suited and we already both want the relationship to be serious, are on the same page with what we want in life, but I have some concerns about money.

I have a professional job and am fairly comfortable financially although I am quite junior in my career and far from loaded. I am trying to be quite careful with my money to save up to buy a flat. My bf is still studying and works in part time jobs to cover his costs. He is from another country and was apparently also getting money from his parents.

The issue is he now he has asked me a couple of times to give or lend him money and I feel uncomfortable with it.

The first time he did this I felt very very angry about it. Not sure why I reacted so badly to it but I felt a bit used or like he might be taking me for a mug. I said no and basically told him I was upset that he asked but he didn't see my point of view at all. I told a couple of friends and they agreed with me that they would be shocked if a new boyfriend started asking for money. I wondered if it is maybe a cultural difference as it might be more normal to ask for money in the country he is from...

His reasoning was we should want to help each other and should see ourselves as one unit. He is kind and caring and does go out if his way to help me for example he bought me some sports kit I needed, gives me massages, has cooked me nice meals etc... (I also do similar for him so that isn't one sided). However I think it's far too early to be a financial unit, when I am the only one who is actually bringing any money in and I just feel that I don't want to support him financially. I strongly feel that I want us to contribute equally, however am I being unfair and unrealistic as we don't earn equally? He will be training for a good career over the next year so does have decent prospects and hopefully we would eventually both be on good salaries.

Other than this one thing, I don't have any worries about the relationship and I see a future together so I don't know if I'm being silly, as if we eventually get married our money will merge anyway.

Hypothetically if I was on maternity leave or something and earning much less for a while, I would want my partner to want to support me, so should I see this next year where he is studying his professional exams as something similar where he needs short term support?

Is it me or him in the wrong? Am I being unfair by being suspicious? I have been badly hurt in the past and I think I am finding it hard to let my guard down. I don't want to lose him by being too defensive and wary but also don't want to be taken for a fool.

OP posts:
RainbowB7 · 20/07/2014 19:07

We met online and I'm a lawyer. I was the one who messaged him first so it's not as if he went seeking a woman with money to support him! He always paid on our first few dates.

Everyone saying it sounds dodgy was also my initial reaction. If a friend was telling me about a scenario like this I would think she was being taken for a fool. We get on so well though and I just can't see him being calculated in conning me or anything... I would be happy to help him in other ways but I just feel funny about money.

I have told him I don't feel comfortable with shared finances and I think I will just reiterate that again and make it clear I do not expect to be asked.

OP posts:
RainbowB7 · 20/07/2014 19:13

Sorry, x posting with people's comments. He hasn't said how he would repay and I did wonder about that.

I don't understand why he actually needs it. My best friend pointed out what would he do if I was not on the scene - what was his original plan to pay his rent over the summer and why is that no longer possible? I will ask him this if he raises it again.

Not sure if I have said but he is currently abroad visiting family. The first time he asked for money he just said its hard as he's not working over the summer and spent on travel so he needs some money, which I called absolute bull shit on as why does he need money when staying with his family who are feeding him etc.

I am making him sound bad but he is actually a lovely guy, just wish he would listen and respect my opinion about NOT sharing money!

OP posts:
Allalonenow · 20/07/2014 19:13

If he is asking for money for essentials such as rent his financial management must be very poor. It sounds as though he sees you as a soft touch and a bit of a meal ticket.

On no account lend him any money, and be cautious about his promises of a future together.

Goodadvice1980 · 20/07/2014 19:14

Congratulations OP, you have an overseas cocklodger!

Keep your purse zipped up ....

Annarose2014 · 20/07/2014 19:15

I doubt its calculated - sadly, I suspect its entirely innocent. As in, he innocently wants/needs other people to bail him out when he spends too much.

There seems to be a major immaturity there. He was already being bailed out by his folks, and he needed you to top it up?

And paying on the "first few dates". No disrespect, but big whoop. Doesn't mean he's remotely good with money, just means he was ensuring getting the girl. Once he got you, the paying ended and he started asking instead, and talking about "the unit".

Davidtennantmistress · 20/07/2014 19:16

Honestly, if he wants to do the grown up thing with you and have those marriage kids talks he should be grown up enough yo budget!

HalfEatenPizza · 20/07/2014 19:19

Red flag - run!

At the least, his not being able to manage his finances is a big worry in view of a potential long term partnership where you would always need to bail him because of his irresponsibility.
At the most, he is conning you very sweetly. Beware!

A decent man will never undermine his image in front of a new girlfriend regarding not having money. He will rather not pay rent than disappoint her. If he cares enough not to lose her, that is...

LadySybilLikesCake · 20/07/2014 19:20

Run. It's not 'shared' finances, he's not working and he's scrounging off his parents. You'll end up paying for everything.

Allalonenow · 20/07/2014 19:21

Just seen your last posts OP.
Of course he is a lovely guy, you wouldn't give a horrible guy your money would you?

AttilaTheMeerkat · 20/07/2014 19:23

"I am making him sound bad but he is actually a lovely guy"

No, he's not. He is taking advantage of your good nature. He probably has behaved the same way with any previous girlfriends as well and probably also thinks that you are a good meal ticket (he could well regard any foreign woman as a walking cash machine).

I was wondering what your own relationship bar is when it comes to relationships because it seems to be set very low indeed.

What do you actually know about this person in terms of background?.

BeforeAndAfter · 20/07/2014 19:26

Run for the hills - I beg you. If you won't then do not give him any more money but be prepared for him to then run for the hills and blame you for not being loyal and kind and blah blah blah.

I can't think of a single culture that would require a woman to stump up for a man.

Cog has it in one: "the long con". So sorry - it's not what you wanted to hear.

CanaryYellow · 20/07/2014 19:26

At just three month in, you owe him nothing... Definitely not a loan and certainly not the benefit of the doubt.

No matter the reason it's really incredibly dodgy to ask someone you've only known for 12 weeks to loan you 200 quid to help with your rent.

Just bin him off before you get in any deeper.

Vivacia · 20/07/2014 19:27

I'll bet money that when you say "no" there'll be a sulk and a falling out. Then you'll kiss and make up, he'll make bigger promises and the loan will be brought up again as a seal on the deal.

AttilaTheMeerkat · 20/07/2014 19:27

I thought of this when I read your post as well:-

"The Loser" has very shallow emotions and connections with others. One of the things that might attract you to "The Loser" is how quickly he or she says "I Love You" or wants to marry or commit to you. Typically, in less than a few weeks of dating you'll hear that you're the love of their life, they want to be with you forever, and they want to marry you. You'll receive gifts, a variety of promises, and be showered with their attention and nice gestures. This is the "honeymoon phase" - where they catch you and convince you that they are the best thing that ever happened to you. Remember the business saying "If it's too good to be true it probably is (too good to be true)!" You may be so overwhelmed by this display of instant attraction, instant commitment, and instant planning for the future that you'll miss the major point - it doesn't make sense!! Normal, healthy individuals require a long process to develop a relationship because there is so much at stake. Healthy individuals will wait for a lot of information before offering a commitment - not three weeks. It's true that we can become infatuated with others quickly - but not make such unrealistic promises and have the future planned after three dates. The rapid warm-up is always a sign of shallow emotions which later cause "The Loser" to detach from you as quickly as they committed. "The Loser" typically wants to move in with you or marry you in less than four weeks or very early in the relationship".

I would take the rose tinted specs off and start looking at this with cold dead eyes. He sees a lawyer = future earning potential loads of money.
He could be that calculated.

ZenNudist · 20/07/2014 19:29

Ltb (sorry)

hollycomputer · 20/07/2014 19:32

No no no. Just no. If he's making you feel bad for not lending him hundreds of pounds after three months, imagine what it would be like a year or two down the line?

Trust me, I had a relationship with someone who constantly borrowed money from me, never paid it back and never expected to. It was £50 here and there, a couple of hundred for the rent etc etc but because I earned more, he thought it was OK.

Don't do it, don't feel bad. If you like him, gracefully refuse the requests by saying you have a big bill to pay or whatever and haven't got spare cash. If he's genuinely interested in you, he'll accept it and sort himself out without your money.

WildBillfemale · 20/07/2014 19:32

Tell him to eff off - seriously, 3 months and he's asking you for money - it would not have been a loan.
You have your head screwed on financially and people have tried to take advantage. Don't offer and don't be guilted into it.
You are dating, you are not a 'unit' you are not married nor share your lives, if you give money this time it won't be the last request.
If someone has a viable business idea/plan the banks will lend, this guys parents will help him out.

RainbowB7 · 20/07/2014 19:33

The people saying don't give him any more money - I haven't given him any money!

The first time he asked I said no and we had an argument about it. Then this current time I have asked him some more details about why, what the problem is etc but have definitely not agreed to give it to him!

OP posts:
RainbowB7 · 20/07/2014 19:35

Re saying I have a big bill, I actually have just paid loads up front for a deposit on a new (rented) flat plus first months rent upfront and also moved a load into an ISA locked away so I actually don't have loads of disposable cash, but I don't see that I should have to justify myself to him about that, as it's not like I would necessarily give him the £200 if I had more spare, it's more the principle.

OP posts:
RainbowB7 · 20/07/2014 19:39

I do feel reassured that I am not just being mean... but feel upset about the idea he sees me as a long term meal ticket. I don't think he does and I don't want to think that.

I suppose he is a bit immature at the moment as he is still in the student phase and I feel I am very much past that, personally wouldn't dream of getting money off my parents either and it was a bit of a turn off that he was as I want a man to be able to support himself. However, if someone has to support him I do feel it's more his parents job than mine at this stage!

OP posts:
LadySybilLikesCake · 20/07/2014 19:40

That's good, Rainbow. You still need to run a mile though. He's a cocklodger in the making.

My ex was one of these. I went back to work in a pub when ds was three weeks old (I didn't know it was illegal) and lasted about 2 weeks before I was too exhausted to carry on. I was still bleeding, severely anaemic and breastfeeding so it wasn't fun. He 'borrowed' my wages from me, everything I'd earned, to help his friend move to the UK from Europe where he'd been working. Turns out he went on a 4 day drinking binge with it. He promised to repay it all, but 15 years on I'm still waiting and I've had to go to court for maintenance. You should run while you have the chance.

oldgrandmama · 20/07/2014 19:41

No no noooooo - he's a scrounging cocklodger-to-be. You've been dating just a few months and already he's putting the squeeze on you? You sound a really lovely lady, OP so do yourself a favour. Dump him. If you don't, it's NOT going to end well (been there, got not just the T-shirt but the certificate!)

Tiredemma · 20/07/2014 19:41

Im sorry- I would find it a huge turn off. I wouldnt find a man asking for money to help him pay his rent at all appealing.

JeanSeberg · 20/07/2014 19:41

Christ, the more you talk about him the more I wonder how you can find him in any way attractive, let alone marriage material.

CogitoErgoSometimes · 20/07/2014 19:49

The fact that he argued with you when you said no is the revealing part of the story. Anyone can ask for money if they're cheeky enough. A decent person, on getting a refusal, would say 'OK thanks anyway'. An entitled twat would argue the toss.

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