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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

Husband doesn't share finances

154 replies

Louby2018 · 17/07/2018 12:39

I've been married for 18 years to a man who simply won't share, he doesn't like sharing finances with me. It's got to a point now where I'm regretting having stuck it out for so long. But it would seem impossible to find independence now after all these years of being nothing more than a housewife. My husband has never been happy for me to find work, I had job offers when my children were little but my husband made it difficult for me to accept the jobs. He refused to pay nursery fees etc. He will never willingly give me money, if I need a small contribution for my child's school trip I have to ask, and ask and keep on asking until finally he'll leave me the cash to the nearest penny. He won't leave me house keeping money, however, unbeknown to him, his partial card details are left on my Sainsbury's grocery account, after I badgered him one time to pay for a Christmas grocery delivery. Anyway, since then I've been placing regular online shopping orders. He must think I've been using my £34 pw child benefits to stock the freezer, lol. It's really upsetting though as now my daughter is 18 and works part time in between her sixth form studies, she pays for everything herself, but she gets so upset because her earnings are simply not enough to cover all her expenses. If she needs essentials, such as underwear, then Dad has to accompany her to the store and right up to the counter to pay for them, he would never give any of us actual cash to have some dignity at the checkout. He has complained ever since we've been together about how tight his finances are, the only thing that seems to matter to him is his bank balance. He even keeps all his bank details, debit cards, financial documents locked away in a briefcase, which I know is hidden away at the back of the pantry. He is utterly controlling. He is on £35k a year, so not a bad income for a family with two children, but now we're in private rented house I know it's not enough to cover the extortionate rent, so I get it in the neck, he puts pressure on me to agree to move out to a cheaper part of the UK so he can afford to buy a house. We've been used to living in newbuilds over the years, but he had a habit of moving us out every two years, selling up and buying lower priced homes in order to make money all the time. Last house he sold last Christmas but couldn't afford to buy in current area, so we live in rented close to my 8 year old's primary school. But now he wants to move us to one of the most deprived areas of Wales, which would suit his bank account, even though an hour drive to his place of work, but the primary schools are really not looking good. My 8 year old has additional educational learning needs, so I'm apprehensive of moving her to another school that doesn't have a good record of performance, many schools were marked down as inadequate on the OFSTED reports. Tbh, in an ideal world I would be bringing my children up on my own, but with mo independence, no work record, no friend, no work references or personal references, not to mention no money, there's just no hope of finding my feet. I've literally been relying on my robotic cold hearted tight fisted husband for years, and now I feel there's just no way out. I sometimes wish, as bad as it sounds, that one day he might not come home from work so finally I'll be on my own with my children, and cat and dog. I've spoken to the women's aid helpline over the years, but other than advising me to go homeless and start again on benefits there's not much help in offer. Besides, I couldn't move my kids into a single room in a shared women's refuge, not after all these years of having had their own bedrooms and living in comfortable areas. And the thought of leaving our pets and furniture personal belongings behind, all we've had to speak of for all the years I've stuck it out with a controlling husband, to give it all up, for a room in a shared house with God knows who, in God knows where. That's what I'd be left with after 18 years of marriage. I don't drive, never had the cash to take enough lessons to get to test level, I did begin taking lessons in secret when my husband was at work, but I ran out of money and the lessons had to stop. With no money I could never afford a car anyway. The rent on our current home is a staggering £1400 pcm, so no hope of me being able to manage this place on my own. I feel so trapped no hope of ever being free from my controlling husband.

OP posts:
Thebluedog · 17/07/2018 12:42

Go and speak to a solicitor, they usually have the first half an hour free.

Also look on line and check out the benefits you’d be entitled to. By the sounds of things you’d and your dc would be far better off living alone.

I’d also call bract woman’s aid about getting help to leave Flowers

Carextra · 17/07/2018 12:48

Do you want to leave him or not?

Louby2018 · 17/07/2018 13:00

I want him to leave us as I am in no position to be able to leave. Where would I go with no money?

OP posts:
Djchickpea · 17/07/2018 13:34

Sorry no advice, but what an arsehole!

FusionChefGeoff · 17/07/2018 13:45

Can you start buying things in Sainsbury's on top of your shop to sell??

I would rather be in a refuge but with hope for the future than stuck as a prisoner with that man.

hellsbellsmelons · 17/07/2018 13:50

He is financially abusing you.
And emotionally as well!
And extremely controlling of you and your DC.
This is very damaging for your DC to be learning.

Have a chat with Womens Aid and Rights of Women.
Citizens Advice may be able to help you as well.
But you would certainly be much better off financially if you left his tight arse!!!!

Do you know how much he earns?
Do you know anything about your housing situation?
Is the house mortgaged? Is it rented? How much is left on the mortgage?
You need to start looking around for paperwork.
His wage slips. His pensions info. Assets info, car, etc.....
You will need your marriage cert for divorce.
Look for info on accounts. Savings, ISA's etc....
You have sacrificed your career, your earning potential, your future pension, for what?

I'll tell you what.
You are entitled to at least (yes maybe more) 50% of everything.
Get out there and get informed.
You are in a far stronger position that you can ever imagine.
Do NOT let him see this thread.
Make sure you log out every time.
Get snooping. Get educated on all of this.
Google can help.

Cricrichan · 17/07/2018 14:18

Yes go and see a solicitor and check online how much you'd be entitled to. Also start looking at getting a part time job and maybe some courses. You've got lots of options, you will get maintenance from him as well as at least half of his assets. Could you look to move closer to your family?

Cawfee · 17/07/2018 14:28

I have a friend in a similar position. Financially abusive husband. Zero finances. Firstly, go to CAB and get a list of what benefits you could apply for. You would get housing benefit that would cover the rent on a two bed flat. You wouldn’t need to go into a refuge. Do the CSA calculator to work out how much he would have to give you. Do some snooping. Does he have any savings? You’d get half of those. If he’s been buying and selling houses surely he’s got savings. You’d also get tax credits and income support. Do the leg work and work out the reality of your situation rather than assume.
Call rights for women. They provide free legal advice. Call women’s aid. You are being financially abused and they can help you. You can do this. Your kids are older so once you are out, you can pick up some part time work? Look at agencies and local schools for part time work. There are lots of options out there for you

Louby2018 · 17/07/2018 15:05

I tend to buy everything from Sainsbury, not just groceries, kitchen ware etc, but nothing to sell. Although I have been selling clothes and toys on gumtree.

OP posts:
Louby2018 · 17/07/2018 15:10

Unfortunately going to work requires bus fare, cost of public transport etc. I am a qualified childcare practitioner, formally OFSTED registered, but I don't have the funds atm for up to date DRB certificates, we have changed address so would need to apply for more plus insurance set up fees etc. Not sure anyone can quite appreciate just how difficult it is to earn money when you don't have a penny to start with, no references nothing.

OP posts:
rollingonariver · 17/07/2018 15:15

Surely he'll be sitting on money from the house sale and you'll be entitled to half of that if you leave him?
Also child maintenance. It must be awful for you but awful for your kids too, he's looking to move them to a bad area to save a bit of cash? Don't let him dictate your lives like this. Divorce him.

DonkeyPlease · 17/07/2018 16:39

I think you need to decide that being free is more important than having a house and material possessions.

By staying with him, you're teaching your DC that this is normal. They will now go on to emulate your marriage in their own relationships. Do you understand how you're wrecking their lives by choosing to stay in this situation?

You are qualified and intelligent. Go to a refuge, start over, take the help they give you. Begin again as soon as you can. You may never be rich, but you will belong to yourself.

It's that or you die under his thumb - only you can change this.

Bitchywaitress · 17/07/2018 16:48

Do you know any smokers? Could you buy them cigs on your supermaker account and start saving the £10s here and there? Every little could help when you are ready to move.

RachelfromFriends · 17/07/2018 16:51

It sounds like you as a couple own the house you're in.

You could split with him and stay in the house while he pays child maintenance. Why would you have to leave with the kids? You have rights

HollowTalk · 17/07/2018 16:54

If he's on £35K then he's taking home around £2,100 per month, I think, if he's paying a pension. That means that after that ridiculously high rent, he's only left with £700 per month for bills, so it doesn't sound as though he's rolling in it.

However, you can't go on living like this, OP. It sounds like a very unhappy marriage and it's having a massive impact on you all.

How much equity was in the house?

And what do you mean that you're paying for groceries with his card? How has he not noticed that?

Cambshusband · 17/07/2018 17:04

Hey you know what, this man is scum. Whilst there is a lot of knee jerk reactions on this site about men being tossers, this guy is the genuine article.

I hate women who try and screw their husbands over in divorce and can’t put the kids first, but in this case, I would have no sympathy. He certainly doesn’t sound like the kind of guy I’d want in my friend group and every penny you squeeze out of him is a penny owed for years of controlling and shameful behaviour.

I’d be extremely tempted to get a credit card and use it as a facilitator to enable the move. Yes, you may have debt in the short term but long term it will come right, and you’ll need flexibility to of funds.

Do you have anyone local that you can lean on? Parents, famiky, aunts or uncles, friends? They’re going to be essential.

Doingreat · 17/07/2018 20:33

Op please seriously consider the suggestion @cambshusband has made about getting a credit card to enable you to move. It can be paid off but you really need to get out of this relationship asap. This is the worst case of financial abuse an control I've come across. The house will be sold and assets divided up if you divorce and everything you leave behind can eventually be replaced. What cannot be replaced is your children's childhood and your passing years.

Zaphodsotherhead · 17/07/2018 20:58

Does he never check his bank statements? Surely he knows that the money is going in Sainsburys, he must be able to see...and also wonder where a considerable amount is going? I mean, 35k is a lot, but it's not an incredible amount if he's supporting the entire family, unless he's got another whole income stream that you don't know about.

He's a prick and you'll be happier out of it, but I do understand that awful futile feeling when you've been deprived of any power in a relationship for so long.

category12 · 17/07/2018 21:11

You're have a claim on the marital assets - savings, house, etc. Look for a solicitor who does free half-hour consultations and start the process to divorce him.

Zaphodsotherhead · 17/07/2018 21:17

OP has repeatedly said that the house is rented, at an extortionate rent.

43percentburnt · 17/07/2018 21:17

Are you sure his income is 35k? Do you mean after tax? The rent is a lot to pay from a 35k salary (I know you have the equity), could he be lying about his income?

YearOfYouRemember · 17/07/2018 21:22

It's put up or get out. Don't waste another 18 months never mind years.

Strawberry2017 · 17/07/2018 21:25

If he is controlling things this much I would doubt any information you have. Chances are he's on more money then you think.
Anyway of getting in to his brief case?
He is pure evil. To do this to his own family is awful.
You need out whatever way you can make it work.
I think your children will understand, especially your older daughter, she must be humiliated having him stand over her.
Good luck op. X

category12 · 17/07/2018 21:26

Sorry missed the rent part. But he's also been buying and selling their homes on a regular basis, so there's likely money there unless he's terrible at it.

Thesearepearls · 17/07/2018 21:27

Get a job OP. It really is that simple. Your kids are old enough.

Dunno why you’ve put up with this dynamic for so long but just FGS get a job.

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