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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

How can I afford to leave my DH?

33 replies

Thecatsmother17 · 05/07/2017 20:39

He is a drinker and completely takes me for granted. I never know when he will come home drunk or if he will come home at all. We've rowed for years and at times he has begged me to believe he will change. He never does. He veers between admitting he has a drink problem but " likes drinking" so doesn't want help, to denying and saying all blokes are like him.
He no longer apologises for his behaviour and instead focuses on my anger at him and says I have a problem. I spend my time in the bedroom and him in the living room. He even sleeps there most nights. I want out but the thing that's stopping me is finances. I just can't figure out how I would survive !
I earn £2k a month. Our mortgage is £1.5k. That's for a bog standard house. Rent on a similar property would be £2.5k or more. The only thing I could get cheaper would be a 1 bed flat and that would still be around £1k each month. It's not possible to move somewhere cheaper. We would have to move too far away from where I work.

Childcare for 2 children is a further £1.7k. So that's £3.2k before any other bills, food, travel etc. I looked into how much child maintenance I would get and it's £619.66 a month. My DH earns almost 4 grand a month and yet that is all he would have to give me?!?!

I feel completely trapped as there is no way I can see of making it work. How do women do it?

OP posts:
meditrina · 06/07/2017 07:13

You need to go and see a solicitor, armed with as much information about income streams and assets (including pension contributions).

50/50 is the general start point, not necessarily the settlement. That comes in the light of all the circumstances.

You need to think as well about arrangements for the DC. XH would only (normally) be responsible for paying for childcare on the days they reside with him, and you pay in the days they reside with you. The amount of maintenance also varies depending on the number of days a week they live with each.

And also think about how clean a break you want. If you get an order permitting you to live in the house until younger DC leaves school, that leaves you more tied together. Do you want that?

Can you afford to pay the mortgage yourself, or when in the future could you do so?

What are your promotion prospects? Do you have the skills to move to a more lucrative job? Can you find cheaper childcare? (CM rather than nursery?)

Remember, he needs to be left with enough for a property he can live in, with the DC on the days they are with him.

Cricrichan · 06/07/2017 08:11

I would look at relocating somewhere cheaper. It'll be up to him f he gives you enough to be able to stay where you are.

PetalHead · 06/07/2017 08:38

If you are going to be the main carer, you should get more than 50% of the house equity. I got over 60% which is admittedly a good deal, a friend got 60%.

Would it be possible to sell the house, use your equity as a deposit and buy something new? I know it's expensive - same where I live - but I found a relatively cheap modern flat. Look at flat floor layouts carefully, sometimes you can carve 3 bedrooms out of a 1 bed or 2 bed, for example if it has a boxroom and a larger kitchen which can be made into a live-in kitchen, then the living room can become a bedroom. Or sometimes if a living room has 2 windows you could divide it into 2 smaller bedrooms and use a smaller room as a living space. I have a box room myself but it's worth it to be single.

I agree the maintenance you are entitled to is not much compared to his salary - my ex earns similar and my solicitor was shocked that he chose to pay only the minimum. (He still pleads poverty though on his 3K+ a month take-home Hmm) However because I did get a good split of the capital, I'm in an ok position.

The deal my solicitor thrashed out also included him paying half the childcare costs on top of that though - after all they are his kids too and childcare allows us both to work, not just you. Having said that, these costs are much lower as kids are in school.

Get yourself a good solicitor and get either a free initial consultation or pay if you possibly can, for an hour with the best you can find (look at reviews online, my solicitor also came up in news stories where she had kicked ass in the family courts).

Make sure you tell the solicitor everything including about the drink problem. Try to get evidence of his salary in print, for example if you can get hold of his P60, or statements from a bank account showing his salary going in.

A childminder might turn out to be a better childcare option. And I would NOT give up work, you are going to need your career.

If this is all too much at the moment, and I understand if it is, your other option is to bide your time, disengage from him completely emotionally, start building your own savings, keep detailed notes about his behaviour (well hidden of course) and plan your exit slowly and carefully. This in itself will make you feel less trapped and more in control. If you can wait until you have at least one child in school, or maybe in a school nursery with wraparound childminder, it will become cheaper.

Lastly I used to imagine myself looking back from the future and telling myself I did it, I got out. It gave me hope, and now I'm here. You can do it and you can have a happier future.

Thecatsmother17 · 06/07/2017 08:38

There's nowhere cheaper I can relocate to and still work at my job. The prices I've quoted are pretty standard unfortunately, it's not a particularly pricey area.

No promotion prospects while the children are young. It would mean long hours and travel. Something I can't do as I need to be available to pick the kids up at 6pm each night. I can't afford a nanny and have no family who can help me.

We will have to sell the house and I will have to use the proceeds to rent somewhere. Then hope I meet a new husband pretty damn quick! That was a joke before anyone jumps on me!

OP posts:
SandyY2K · 06/07/2017 09:07

Then hope I meet a new husband pretty damn quick! That was a joke before anyone jumps on me

A bit of humour keeps you going at times like this.

He does sound like a nightmare, but I get the impression that he doesn't think you will end the marriage over this.

Perhaps if you spoke to him calmly.... Expressing that you realise you can't change him and you no longer want to talk about the drink issue, as nothing is coming from it, but you want to separate /divorce, while maintaining a good coparenting relationship for the sake of the children.

If you still love him, let him know this and express that you fear continuing as you are will eventually turn that love to hate and that's not something you want.

Be clear that you aren't after an argument, but you believe this is your only option going forward.

You aren't seeking his approval to separate and you're simply stating the facts.

Present it in a way that he knows this isn't an ultimatum... It's not a threat... It's not manipulation.... It's just you drawing a line and realising you can't carry on like this. It's not the marriage you want.

I'm very pro marriage... Especially where there are children, but he's not a good husband right now with the drinking.

Maybe when he realises you are taking active steps, he'll actually face up to his problem.

I've seen lots of husbands realise too late, that they messed up and are so depressed when their wife leaves. It's only then, they seek help.

Thecatsmother17 · 06/07/2017 14:37

No, he doesn't believe I will divorce him. He has cried and begged before but now he doesn't even bother to apologise. He just makes up ridiculous excuses. He believes that he "looks after me" because he earns money and gets his mates to do work on our house to make it nice. He doesn't seem to have any concept that marriages are based on trust and respect not new kitchens or carpets.

OP posts:
category12 · 06/07/2017 15:41

He probably spends a lot on booze, you might find your outgoings would reduce significantly without him. Husbands are extremely expensive Grin.

Get legal and financial advice quietly and actually know your options. You might be able to go for all sorts of financial agreements with the right advice.

user1497997754 · 06/07/2017 17:17

He is just taking the piss...get rid of him you deserve so much better....the longer you stay the worse it will get abd you will be so run down by it all you won't have the mental energy to leave....I am speaking from experience...it's just soul destroying living with a drunk

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