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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 do you organise money in your house?

91 replies

sumoslayer · 17/11/2017 11:39

DH and I both worked full time before DC arrived, we both earned a fairly decent amount, however he earned more than I did.
When I went on to maternity leave, money became this huge unmentionable topic as before DC, he had his money, I had mine. Obviously, with the big drop in pay during my maternity leave, finances needed to be addressed. Particulalry as I was to return to work part-time.
I came up with a plan prior to discussing things with DH with the help of my counsellor then as I was suffering with PND. It was a mammoth thing to force DH into having this conversation with me. I delivered a solution whereby we would both continue to be paid into seperate accounts but them pay into one joint account for all of the bills/nursery fees/savings etc. We would then ensure that each of us were left with the same amount of disposable income in our personal accounts afterwards.
On the face of it, DH agreed with the plan and we set up a joint account plus direct debits. However, DH always seemed so resentful and irritated by the set up and I sensed he wasn't agreeing to what I'd proposed.
2 years down the line, things seemed ok when DH finally blurted out that he felt the financial set up was "unfair." He explained this is because, prior to children, he earned more money than myself, therefore why should I now have the same amount of disposable income as him?
I explained that there wasn't much disposable income to go around anyway (he himself would often complain about how much was left after all of the outgoings/bills etc) so did he really want me to have even less disposable income?
I was deeply hurt, things got heated, I got upset and DH maintained that he did not want me to have any less and that he hadn't meant what he said, he was just annoyed at the time.
This was 6 months ago and ever since, I darent bring up the subject of money at all. I feel guilty in some ways and angry in others that he clearly feels resentful of having to put his money into our family, leaving little for himself.
He has also told me that most men he knows have more disposable income than their wives, even with DCs.
I feel down as a woman, is this what happens? We have children, sacrafice our income and are deemed almost to be sponging off our partners?
My argument was that had I not had DCs, I may have had a promotion and now be earning more than him, but we will.never know. I thought I'd gotten the balancing act right by working part-time so I could be more hands on with the DCs, but I didn't think it would come at a price of being deemed less financially deserving of my partner.
How do other households work things out? Is DH right? Should he have more disposable than me? To be fair, a lot of my money goes on entertaining the DCs anyway!

OP posts:
AttilaTheMeerkat · 17/11/2017 13:09

"I think he felt a bit "done" from a financial point of view when he suddenly had to part with the vast majority of his monthly income"

And that really does show how selfish and petulant he actually is.

And where else did he think the money was going to come from?

Such a selfish man really does not want to share; he regards his money as "his and his alone". He is attempting to control you by hampering your own financial independence and may well hamper any attempt for you to go back to work.

sumoslayer · 17/11/2017 13:36

As I've said up-post I do not want ro return to work FT as my field of work is far too demanding with young DCs. DH would prefer it if I went to work FT as on a daily basis, I would bring home double the amount of the cost of childcare for the day. I however would not cope. I can manage it doing PT. DH's field of work is also v demanding, but there is no way he would consider reducing his work to PT as he earns more money than I do so financially it makes sense.
So, you're probably wondering how DH intends us to run the family home/ look after DCs etc with both of us working full time in demanding careers working evenings and weekends to just get everything done? It would be an absolute shambles from my point of view, but he would be happy to live in a shambles if it meant more money.

OP posts:
BatteredBreadedOrSouthernFried · 17/11/2017 13:45

Oh wow. Good luck if you ever divorce him. He is money hungry. You’ll have to fight for every penny you get.

TammySwansonTwo · 17/11/2017 13:56

Honestly I can barely respond it's so ridiculous. Kids cost money, and he should be grateful that you're willing to essentially take a career break to do the essential childcare so he can continue earning as he does. He couldn't earn that money without you.

reetgood · 17/11/2017 14:00

It wouldn’t mean more money, because childcare.

I genuinely do not get this ‘I had more money’ gripe. Yeah, and then he had a kid. Tends to cost you money, that. Plus, he’s being silly if he thinks that he hasn’t previously benefited from your combined resources and won’t continue to benefit from them. He could always pay maintenance and run a household on his own... see how much more money he has then Hmm

In our house we each have a personal account and share a joint account. Our money is pooled into one joint budget, so it doesn’t really matter where the money is, it’s all shared funds. We give ourselves equal spending money per month and decide where the rest of the cash goes. We’re not big earners, but currently have a few thousand stashed away for various purposes. At points I have earned more than him, at points he earns more than me. As a team, we contribute to our partnership according to our means and skills.

I’m currently pregnant so we’ve been saving for that. Operative word is we. When I return to work he’ll take over main childcare although will still work. I’m not about to huff because I could be earning more if he went back full time... because I am able to work full time through his flexibility.

He thinks in ‘us’. When he’s got a job he doesn’t want to do, he thinks of the earnings in terms of ‘that will cover a new coat’ or ‘that will cover the electricity bill’.

Your partner is an arse.

pallisers · 17/11/2017 14:02

He explained this is because, prior to children, he earned more money than myself, therefore why should I now have the same amount of disposable income as him?

This is what he really thinks. He only pulled back later because he realised how awful it sounded but this is what he really thinks.

Doesn't he love you and think of you as his family? Why would he begrudge you this. Would he really like to have a situation where he has plenty of disposable income and is off out for lunch and buying stuff while you can't afford a haircut? What an unattractive man.

In our family it is all a joint pot and has been from day 1. We have had our salaries paid into separate (joint) accounts and each of us manage one account but basically whatever money comes in is for the benefit of our family. Sometimes one of us wants to buy something expensive, sometimes the other. If the money is there we do it. We don't figure out who has more or less or whatever. We talk about it and then go ahead or wait depending.

In your situation I would be seriously considering going back to full-time work, buying really good childcare and cleaning help, making him pay half the cost of everything and do half the housework needed to keep the show on the road. This is only going to get worse - he will never be unselfish with money.

sumoslayer · 17/11/2017 14:08

Reetgood: we would have more money if I went back to work FT as childcare per day is £42, I bring home close to £100 per day. Either way, it doesn't make much difference as I wouldn't cope with a FT work load.

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40andFat · 17/11/2017 14:11

Hmm this is a tough one when I first met my partner as I already worked PT at that point and earned less when he moved in with me we split left over income 60/40 as at that time it seemed like he should get more as he worked 5 days I did 3. But over time and 2 kids together it now goes 50/50. I think it really come down to whether he really views this about the money or your contribution overall being less than his. If he’s generally a nice guy I would ignore what he’s said in the past and don’t feel bad about discussing finances as that is a slippery slope to someone having control.

blackteasplease · 17/11/2017 14:11

Agree with Attila

His other male friends all have more disposable income than their wives do they?

That just shows that his attitude is that the man should have more and should be in control of the purse strings - because obviously he is worth more and everything he does is worth more than what you do.

sumoslayer · 17/11/2017 14:12

I don't want to have to go into battle with DH about him doing half the housework and childcare if I were to go back to work FT. It would just be cutting my nose off to spite my face because it would bring me bucket loads of stress.

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blackteasplease · 17/11/2017 14:14

And why wouldn't you cope, OP, with a full time work load? Because you know that he wouldn't take on half of the "home load" that you currently do.

GrouchyKiwi · 17/11/2017 14:15

I'm a SAHM. DH's pay (plus CB and CTC) go into the joint account and then we each get £150 per month sent to our own accounts. This way we can buy whatever without having to discuss. All bills come out of the joint account.

IMO all money should be family money, and each partner should have an equal amount to spend, whether that is by just having a joint account or sending money to personal accounts. Presumably you working part time means that you do more of the domestic side of things so him working more is equalled by the time & effort you put in to childcare/housework, etc.

sumoslayer · 17/11/2017 14:18

Perhaps I should mention that prior to the 'sit down talk' I had with DH whilst on maternity leave, I'd tested the waters on us just having a joint account for everything. DH was set against it as he said he didn't want to have to feel the need to justify his spending. Hence the seperate accounts for disposable income, he spends his on whatever he wants to and so do I.
My issue with the seperate disposable money is that it becomes 'his' money and 'my' money rather than family money. Therefore I think we end up spending more on ourselves than we would do otherwise.

OP posts:
sumoslayer · 17/11/2017 14:19

Blacktea: because I'm a teacher and I don't want to spend every waking minute at home planning and marking, which is what would happen with a full time workload.

OP posts:
pallisers · 17/11/2017 14:19

I don't want to have to go into battle with DH about him doing half the housework and childcare if I were to go back to work FT. It would just be cutting my nose off to spite my face because it would bring me bucket loads of stress.

Well you are going to have to go into battle with him about money or housework - your choice. Otherwise you will be living scraping along, worrying about money, doing all the housework/extra childcare and watching him living on his extra pay. So 3 choices -

deal with his meanness and hope he changes (also that he starts valuing the extra work you do in rearing his child/keeping the house going)
go back to work, earn the same and deal with his lack of capacity to do his share
Put up with the status quo and be the lesser/poorer person in the relationship.

Boy what a gem this man sounds

RoryItsSnowing · 17/11/2017 14:24

All money is family money. I think one of the most bizarre things ever is two people who are married but don't have completely joint finances.

reetgood · 17/11/2017 14:27

@sumoslayer you’re right, the basic line is that you wouldn’t be able to do work plus childcare plus domestic tasks.

But say, for the sake of argument, it was even a possibility... going back to work would cost you £210 per week and you’d bring in £500 per week, you’d be working 5 days to net 3 days worth of pay (£290). I don’t know how much you bring in currently, but I get the sense he’s just arguing the toss for a gain of £40-80 a week... of which you’d end up spending on a cleaner because he’s not going to contribute any more to the house, is he?

This is about his feelings not matching actual numbers. He’d still have less money even if going back to work was an option. And he wasn’t a total nob for thinking of things in terms of ‘his’ money when he’s got a partner and kids.

50shadesofknackered · 17/11/2017 14:30

Our wages get paid into our own accounts but we see it as one big pot off family money. We know each other's PIN number and have full access to each other's accounts. There is no his money and my money it's all ours. When I was off work when kids were little and dh was the only earner it was the same, his salary was our money as it should be imo. Each to their own but I don't understand relationships like that.

Changerofname987654321 · 17/11/2017 14:31

Pre and post DD we have same amount of ‘pocket money’ each and put the rest into the joint account. I earn significant less than DH even pre working part time but even part time I work hours then full time DH.

Post DD both our amount of pocket money halved as be have have a lower income and increased expenditure.

We are a family unit and I can’t imagine DH would be happy to see me struggling or ‘enjoying’ a lower quality of life than him.

sumoslayer · 17/11/2017 14:36

Neither do I 50shades :( I don't like it to be this way.

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sumoslayer · 17/11/2017 14:37

I've never had to struggle more than DH financially as I split the finances quite early on. But I do feel his resentment for it. I sensed it long before he admitted his feelings and he kept telling me it was all 'fine' but turns out it wasn't.

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sumoslayer · 17/11/2017 14:40

It's sad really mainly because of the way it's made me feel, like less of a person, that I'm less deserving financially, guilty when I dip into the joint account for christmas presents etc because ultimately, I know he sees it as his money and he's not as generous with buying gifts from it as I am. I always feel the need to seek his permission before I buy anything, then he tells me not to ask him and that it's ok for me to spend, but really I'm not sure.

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reetgood · 17/11/2017 14:42

I feel sad for you, too, and I’m not sure you dh will ever make the switch to ‘us’ if he hasn’t yet got there.

I think he’s a nob, but I’m afraid I don’t have any good solutions for you to move forward...

reetgood · 17/11/2017 14:43

Oh and don’t let his problem make you feel less financially deserving. It’s his problem. You are not being unreasonable in expecting joint family income.

Quartz2208 · 17/11/2017 14:45

So exactly what part of family life does he want, he does not want to do the housework, pay for it - how about look after the children/share taking to childcare responsibilities

He needs to grow up nothing you have said sounds out of the ordinary (in fact the opposite) and the fact that you facilitate it all