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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:
Sally2791 · 17/07/2018 21:32

This is horrendous to read. Please get out, you are entitled to half, and please show your children that life does not have to be this way

DianaT1969 · 17/07/2018 21:43

Get a job in a nursery. They won't expect recent employment references if your last job was pre-children. Offer babysitting, dog-walking, take in ironing, do cleaning. But do ANYTHING to get yourself some money so that you can get away.

Gemini69 · 17/07/2018 21:45

christ OP.. I feel sick for you .. how have you tolerated this so long Flowers

LEELULUMPKIN · 17/07/2018 22:02

I am worried for you OP. What is likely to happen once he discovers that you have been using his card for the Sainsbury's shop? Someone so controlling and abusive as this with money is going to miss it sooner or later.

MsAdorabelleDearheartVonLipwig · 17/07/2018 22:14

Love all the suggestions to get a credit card. How is she supposed to do that with no income to pay it off? Lie on the application?

Op you have to go back to Women’s Aid. There is help out there, you just have to look. I do feel for you though. I simply can’t imagine being married to someone that thinks he has the right to dictate my life to me. Jesus wept.

AdaColeman · 17/07/2018 22:18

If Sainsburys still do cash back start gathering some money together that way, cut down on your actual grocery costs by buying economy versions of everything, add lentils to all meat dishes etc etc. and divert what you save into your own account.
Ask him for cash for items, but then pay for them with your Nectar or Boots card.

Don't let him know that you are building an escape fund, men as controlling as he is can soon turn violent if they feel their victim is about to escape.

Contact Women's Aid for help and advice and look into doing the Freedom Programme to break away from the emotional prison he has locked you in.

Disquieted1 · 17/07/2018 22:28

A pp is right. Get a job. Any job.
There is always work for carers. It might not be what you want long term, but it will give you an opportunity to squirrel away some cash. Don't ask for permission, just do it and keep every penny you earn for your escape fund.

category12 · 17/07/2018 22:28

You could pick up a few quid by mystery shopping with Ipsos-Mori and the like - there are even email and phone call tasks you can do, so you don't have to get yourself to locations. It's not going to make you loads, but it's a little towards your fuck-off fund. Put the child benefit into it as well. Look into picking up a few hours cleaning or something, just to get you into work again. It'll feel good to make your own money and have colleagues. Less in his bubble of control. Don't consult him about it, just start.

snowyowly · 18/07/2018 07:02

I feel like you're treading on very thin ice, @Louby2018 When he twigs you've been using "his" card without his permission, I'm worried for you.

Also it's all very well saying get a job but OP is under enough stress as it is so to carry out furtive saving of money over time is going to be hard. I wouldn't be surprised if he starts demanding you hand some of it over or start paying for other things.

It sounds like you know you have to leave, but are stuck trying to work out how. Let me give you some advice about going to a refuge, because I've lived in one myself, with small children and fled for the same reasons as you - financial abuse.

A refuge is not a fancy hotel, you're right. Don't expect any luxury or to make friends with the other women there - but it is:
safe; you have the practical and emotional support of staff who understand, but more importantly it is temporary and a stepping stone to a much better life.

The thought of going to one terrified me too - the fear of the unknown, the risk involved and giving up everything in my life to start again. But in the end I couldn't take it any more and it was the only option left.

If you go to a refuge and follow the process, you will end up: securely housed, completely independent and far away from your abusive ex.

Looking back, even though it has not been easy, it's easily the best thing I've ever done.
Please think about it and you will reach your own conclusion, but it is a positive option and we are lucky to have this form of support as an option.

Louby2018 · 18/07/2018 08:30

Sainsbury ONLINE shopping I must add, don't do cash back. I only have his partial card details left on my groceries account hence why I've been able to do weekly shopping. No chance of actually physically visiting a supermarket.

OP posts:
Louby2018 · 18/07/2018 09:11

I've had bad experiences of womens aid after having spent time in a refuge over 20 years ago. This was at a time in my life before I met my husband. I was in my early 20"s with a newborn and three year old (now my 23 year old son who is in uni and 27 year old daughter who works full time,). Anyway after having heard the advice given from the women's aid helpline over the years since, it really doesn't seem like much has changed. I'd rather find my own feet than have to give up everything, and I don't count our pet cat and dog as material possessions. I've talked with my elder children about leaving the husband but like me, they agree he is too controlling, yet at the same time they know we'd never manage without him. If I thought I could afford to rehouse the WHOLE family, not just my youngest in a council apartment, then I would take great pleasure in moving me and the children out, and closing the door behind us. My dream is to one day find a home for us all, and quietly go when my husband is at work, I would love to be a fly on the wall watching him come home to an empty house and finding we'd left him! Oh well I can still buy lottery tickets online I guess :-)

OP posts:
snowyowly · 18/07/2018 09:18

I'm sorry to hear you've already had an experience in a refuge prior to this relationship. Have you ever been on any course for women in abusive relationships? The Freedom Programme, Pattern Changing etc? Please consider doing something like that as a step towards getting out. It's not true that you can't manage without him - you absolutely can, and better, even if with less money at the start.

Doingreat · 18/07/2018 09:19

Op are you not even allowed to go to supermarkets? What happens if he sees that you have been doing online sainsburys shops on his card? He will notice these payments sooner or later especially if he is as money obsessed as you say he is. Those men can turn violent very very easily.

How would he react if you told him you want to leave him over his financial control?

Storm2018 · 18/07/2018 09:25

This is illegal.

Louby2018 · 18/07/2018 09:36

Snowyowly - you are right about him demanding I pay for things should O earn an income. When I was training for my EYFC and childminding, paediatric first aid courses etc, before I'd even registered as a childminder he would lay down the law. He'd be telling me how I could start paying for shopping, clothing, everything so he could concentrate on paying off his cards (which incidentally he would have paid off by now with the equity). Anyway my eldest daughter did get into an argument with him over this, as like she told him "Mum's not even registered yet and she can do what she likes with her own money". He's also been receiving four figure cheques over the years from his elderly mother's bank account. Basically she has dementia and the younger sister has power of attorney over her assets, so she tends to share money between the four siblings. Apparently to avoid the tax man, this has caused arguments between my husband and I because I feel they are taking advantage of their sick mother. My husband always said he couldn't share his mother's money with me and the children because he was using it to "offset the mortgage", whether that was true or not I'll never know. Either way his poor mother is left forgotten in a residential care home. My husband is an arse, when I met him I had totally the wrong impression of him, a meek mild mannered gentleman who seemed too kind. Having walked out on a previous physically abusive partner I wasn't about to throw in the towel, especially not since I married him, a commitment not a novelty as far as I was concerned. The problem is I'd be making us all homeless if I left our house and home, because with the ages of my children only the 8 year old would be eligible for government funding. And to make it clear I am not frightened of my husband. I've lived with him long enough to know he is a big coward. He throws tantrums, he will swear, but at the end of the day he is a coward. He might know that I have been using his card details to buy grocery shopping, the worst he's going to do if he knew for sure, would be to stop his card, he'd wouldn't confront me. He's too sly, a cowardly man that uses money as his only form of power over us.

OP posts:
YearOfYouRemember · 18/07/2018 09:41

So what was the point of you posting ? You think you have his number, you won't leave, you've shown no response to getting a job. What was the point?

Louby2018 · 18/07/2018 09:45

Oh btw, I did tell him to buy himself a property and leave me and the children in rented. I was quite serious one morning when I told him plain and to the point I was fed up with him complaining about his money and how he never shared anything in the marriage. With no emotion, I told him straight but I was not prepared for his pathetic reaction. He practically broke down, snivelling like a child, pleading with me to reconsider. I felt nothing for him, his cry baby performance did not move me. However, nothing changed with his controlling ways since that incident, just made me realise how he really is a coward.

OP posts:
wizzywig · 18/07/2018 09:47

You are applying for dla and carers allowance arent you op? Please leave this man. Its no life

OliviaBenson · 18/07/2018 09:48

Can you go and live with your older children?

With due respect, you need to do something as he won't change and why would he leave? He's in total control.

Can you not get out at all because of lack of finances? Can you find the suitcase where his stuff is hidden?

Louby2018 · 18/07/2018 09:52

The point of posting is I feel I'm in the frying pan and the only place I can escape to is into the fire. This is me offloading, it helps hearing that others feel he is too controlling, to know that he is truly being unreasonable in the marriage. He doesn't share, and of course I've taken steps to find employment, but with every rejection letter, every employer insisting I must provide a character reference if I cannot provide a previous employment reference it knocks me back. It's like another brick wall. It's not easy, I posted for reassurance, perhaps to hear friendly words. I'm not stupid, I knew to expect some bitchiness about my situation.

OP posts:
CantankerousCamel · 18/07/2018 09:57

You don’t need to move to a refuge. Get a credit card, or two even, with £2k on them.

Move you and the kids to a small 2 bed property. Don’t even discuss it with him.

You live in the lounge and kids get a room each, its temporary.

At the same time apply for benefits, you will get a reasonable amount in UC until you start work, you will also get 20% of his income before tax which CSA will sort out and arrange for you.

Then you can hire a solicitor and get the ball rolling with a divorce, once you’ve got your share of the money he’s been putting into the mortgage, you will probably have enough to put a deposit down on your own home and you’ll have a credit rating to do so.

You’re being financially abused. It might not happen overnight but within 2 months you can be gone (and your children can be free) within six you can be financially secure and actually very well off (I was getting £680 a month in CSA I think you can expect at least that)

And mostly you n the kids will be able to stay in the same place and start enjoying life.

Colbu24 · 18/07/2018 09:58

Get a cleaning job £10 an hour cash in hand. Ask people at the school about jobs. Be a dinner lady.
Distribute leaflets, do surveys on line. You feel trapped and hopeless but you aren't.

CantankerousCamel · 18/07/2018 09:58

In that time you can easily find a character reference, the head teacher of your sons school will probably do it, especially if you can get involved in some extra curriculars.

You can do this x

Brahms3rdracket · 18/07/2018 10:20

In order to obtain the character references you currently lack you could take up some voluntary work. You would benefit from the experience, the connections you will make and a boost to your confidence you clearly need.

Go to www.do-it.org - this is a great website that allows you to see all the volunteering opportunities in your area and you can narrow down what type of work you're interested in. With your childcare experience you're sure to be in demand.

Empower yourself now and make preparations to change your life before it's too late OP, it would do you and your children the world of good to get out of this rut. Good luck

Cricrichan · 18/07/2018 11:15

Speak to a solicitor to see where you stand. Find out how much you'd be entitled to from the government. You can start claiming even if you are still living together but you have split up. Get a private cleaning job - advertise it on Facebook at a local selling site - offer a free trial etc, choose your hours.

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