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Relationships

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Is this financial control or should I work more?

172 replies

ReginaPhalangeismyothername · 17/02/2018 20:16

I've had another fall out with my husband about money. Here is our situation:
Husband works full time, sometimes late/sometimes weekends but self employed. He earns approx 12k a year, refuses to get a job to better our circumstances.
I also work part time, around 10 hours a week and attend college 2 full days a week.
I do all of the childcare, all of the house stuff, all of the running around for clubs etc.
I'm getting really frustrated as he takes all of the tax credits and child benefit, says he needs it for cash flow for his business and he pays the bills. He also manages to fund a weed addiction, drinks (at home) every weekend and smokes. I on the other hand have to buy the food with the money I earn and put petrol in the car, anything i have left goes on the kids clubs.
He seems to think I should work more if I'd like more money, however, I have tried going back to work full time and ended up doing everything for the children and the house and having a full time job. He basically wants me to work as long as it doesn't affect him. I'm tempted to get more hours and tell him he needs to fund half of the childcare.
I'm fed up of never having any money to buy some jeans if I need them or a lunch with a friend. I always have to ask him if I need money and sometimes its fine, he has it to give me. Othertimes he doesn't have it ( while chugging away on a fag and beer).
It's been sparked tonight by me asking if we can call into my ikea as we are passing. He said I need to work more To earn the money if I want to go there ( I've had a list of some bits we need for about 9 months but never had the money). He is off out tonighT to spend probably about £50 celebrating a family members birthday.
I know if we separated id be better off or at the least, in control of my own money.

OP posts:
MyBrilliantDisguise · 19/02/2018 18:42

Honestly, you will be so well off when you dump this selfish man. You will feel like you're on holiday.

ReginaPhalangeismyothername · 19/02/2018 18:44

I've just done a calculator to try and budget and I can't believe it. We might actually get to have some days out and some new clothes. What essentials could I be forgetting? Got water, broadband, elec/gas, half mortgage, half car, clubs, food, petrol.

OP posts:
MyBrilliantDisguise · 19/02/2018 18:51

Council tax?

MyBrilliantDisguise · 19/02/2018 18:53

Is this if you persuade him to leave, or if you leave, or if you stay together but have the money in your own account?

The thing I don't understand is how your husband thinks he earns £12K pa when it's subsidised by your children's tax credits and family allowance. He's earning virtually nothing.

NoSquirrels · 19/02/2018 18:53

half mortgage, half car

Is this for when you split? Because you’ll need to pay rent/mortgage and a whole car cost yourself, presumably? Sorry if I’ve misunderstood.

ReginaPhalangeismyothername · 19/02/2018 18:57

So this is presuming he will leave the family home and we will stay. I should point out the mortgage is minimal, less that £500 per month. Is that reasonable to ask him to pay half the mortgage and the car? We need the car as we live rurally and the dc's school is 4 miles away.

OP posts:
YellowMakesMeSmile · 19/02/2018 19:29

He'd only have to pay child support, not half the car and mortgage.

You can apply to stay in the house but the courts like both parents to have a home so if he needs to sell to get one then that might be what happens.

Strawberry2017 · 19/02/2018 19:44

There's no way he got a mortgage on £12k a year plus benefits.
The amount of questions they ask about finances it's not possible.
I was working a full time and part time job bringing in £21k and I had a deposit and I only just got accepted.
Were you with him when he applied? Did you have a deposit? How much was your house bought for?
Most banks only loan 4x occasionally 5x your salary.
I feel like there's a lot you don't know about your living situation.
Good luck whatever you decide to do.
X

princesssparkle1 · 19/02/2018 20:25

I'm half terrified of being a single parent

You're already a single parent

NoSquirrels · 19/02/2018 20:30

If you split up, you could possibly remain in the house (because of children if you had main custody etc) but usually then it would be either on the basis that you took over the mortgage & bought him out (which sounds unlikely given your employment situation) or he agreed to keep paying the mortgage/half the mortgage for a fixed period of time e.g. 5 years or when DC are 18 and THEN you buy him out etc.

It’s unreasonable to assume he’ll pay 50% of the mortgage on your currrent house PLUS child maintenance PLUS 100% of his own living costs e.g rent. And if he’s on your mortgage, he won’t be able to buy another house easily. So it’s not simple.

Car costs you’d be expected to fund from CM payments unless he made a generous agreement.

You need legal advice really.

ReginaPhalangeismyothername · 19/02/2018 21:29

God what a mess 😫

OP posts:
RandomMess · 19/02/2018 21:50

A lot depends on individual financial circumstances so see a few solicitors, do research, prioritise what you want to ask.

Priority is changing the account that he CB and CTC get paid into and checking that the CB is in your name.

Rosielily · 19/02/2018 22:24

You've said the mortgage is in his name, whose name/s is the house held in at the land registry?

Rosielily · 19/02/2018 22:25

Out of interest, what is his line of work?

ReginaPhalangeismyothername · 19/02/2018 22:42

It's in his name. I'd rather
not say what his line of work is in case it outs me!

OP posts:
Rosielily · 19/02/2018 22:44

You really need to get your name on the property with the land registry so he can't sell it/remortgage etc without your interest in it being revealed. As others have said please see a Solicitor asap.

ReginaPhalangeismyothername · 19/02/2018 22:47

Won't that need his agreement though?

OP posts:
gamerchick · 19/02/2018 22:51

If the child benefit isn’t paid to you then you can’t claim any benefits for the kids if you split up.

You need to rectify that.

Rosielily · 19/02/2018 22:57

No that won't need his agreement!!

LizzieSiddal · 19/02/2018 23:14

If you can’t affird a solicitor make an appointment with Citizens Advice. Although most solicitors will give you a 30min meeting for free.

snewsname · 19/02/2018 23:35

Xmas presents, birthday presents, clothes, school shoes, travel

LadyB49 · 20/02/2018 00:49

For op to get her name n the property will actually need the agreement of the mortgage provider. And given that op is a bankrupt it might not be possible. I speak from experience, when I moved in and then married my dh he went to put my name on the deeds and we had to have further documents drawn up with the building society and their approval, i.e. searches were done to confirm that I had no charges/debts against me.
However I think she is still entitled to at least half the property whether her name is on the deeds or not.

butterfly56 · 20/02/2018 08:03

Look at Wikivorce website...loads of advice on there about how to go about divorce.

YellowMakesMeSmile · 20/02/2018 08:38

I forgot about the bankruptcy, he will easily be able to sway the judge to sell or to buy you out because you have no means of taking over the mortgage yourself when only working ten hours and a bankrupt person.

You may find a LL willing to take a chance on you though with a decent deposit and more income as ten hours won't cut it.

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