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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:
AdaColeman · 18/07/2018 11:24

Have a look at a website called Entitled To, it will give you an idea of which and how much benefits you can claim to help you get back on your feet once you have left.

A character reference doesn't need to be done by an employer, any friend or close acquaintance could write one, do you know any teachers, small business owners, vicar, social worker, health visitor?

It does seem a gigantic and frightening step to abandon the life you have at present, but partly that is because you have suffered his control for so long that you have begun to see it as normal. This is why so many of us have suggested the Freedom Programme to you.

Doingreat · 18/07/2018 11:45

@Cantankerouscamel has outlined a great plan. You can escape with your kids and pets. Once you get benefits sorted start paying the credit cards back. You will also get CSA from your husband. Along with benefits you will be more financially secure than you can imagine right now. And then look at jobs and volunteering opportunities to build up experience and references etc

FourFriedChickensDryWhiteToast · 18/07/2018 11:48

"Where would I go with no money? "

a women's refuge and get benefits for a while.

user1490465531 · 18/07/2018 12:03

Sorry op but from your post it does seem you are not willing to make any real positive steps towards going.
You have been given a lot of good advice your children are not babies I think you could do a little more to help yourself TBH.

category12 · 18/07/2018 13:36

There are charities that will foster pets while you're in a refuge.

You don't need references to start mystery shopping etc and character references as suggested would help you get started.

Your adult dc, can't they assist you temporarily? Put you up / help you find a rental / be an alternate address to receive post?

Louby2018 · 18/07/2018 13:54

I don't have any credit cards so not sure about the suggestion of paying my cards back? I have never been eligible for a credit card, applications always rejected . My children live with me, except for my son who is in uni, but has a bedroom at home for when he comes back occassional weekends and holidays. Unfortunately they're not in a financial position to provide a home for themselves, although my elder daughter works long shifts and is saving hard for a deposit on a home of her own. You see how my children rely on me to stay with my husband or they face homelessness. When it's just my youngest at home, which shouldn't be long then I will be in a better financial position to walk out that door.

OP posts:
FourFriedChickensDryWhiteToast · 18/07/2018 13:58

" You see how my children rely on me to stay with my husband or they face homelessness "

no, your son is away at uni and your daughter has a job and could pay for a room herself.

I don't want to be nasty, but it seems as though you have posted about this horrible situation, and are then just rejecting out of hand any good suggestions or advice that people are giving you.

Like 'games people play'.

CantankerousCamel · 18/07/2018 14:05

Hi OP

I would consider getting any credit you can, be it a store card, a pay as you go master card (designed for improving credit) etc.

The reason you’re not eligible is because you don’t have any income, but actually you do have income because you have child maintenance and tax credits.

You said your daughter is saving for a deposit? Could she not loan you the money to leave?

You could pay it back very quickly as you have the equity from house sale, plus back payment of CSA and benefits coming. You will have so much money you won’t know what to do with it.

Ask her, I bet she will jump at the chance to help you.

CantankerousCamel · 18/07/2018 14:06

Four this stuff isn’t easy or done without any thought.

There are considerable challenges and there is a lifetime of being told ‘you cant’ to get through.

Actually we need to gently break down those barriers not attack a woman who has suffered such extended marital abuse.

noselimit · 18/07/2018 14:12

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

Yeah. Because lenders are falling over themselves to hand out thousands of pounds to people with no income Hmm

Seriously. Be realistic.

OP you need to get out and you need to do it now. Sod an escape plan, the longer you stay the more danger you and your children are in.

Contact the refuge.

AFistfulofDolores1 · 18/07/2018 14:12

Yes, I agree with FourFriedChickens. OP - please go and read up on the "Why Don't You, Yes But" game on Wikipedia. You may be offloading, and it may feel like temporary relief, but ultimately you'll need to shit or get off the pot.

All the best.

CantankerousCamel · 18/07/2018 14:14

She has income, she could put his income down as they’re living together

FourFriedChickensDryWhiteToast · 18/07/2018 14:17

I am really sorry I had no intention of attacking the OP.

category12 · 18/07/2018 14:23

Your adult daughter should get a house share or bedsit: it'd do her the world of good to get out from under. Your adult son could share a room/sleep on a couch in the holidays.

Lolapusht · 18/07/2018 15:07

Can you get hold of any financial information? I know you said he keeps everything locked in a briefcase, any chance you can see inside and copy what you find? If he’s been buying and selling houses regularly there may be a stash of cash somewhere, or lots of debt, either way you are entitled to know. How many properties have you owned (and you do have a legal interest in those properties as you’re married)? From what you’ve said regarding buying/selling properties, your current rent and his income sounds a bit suspect to me.

Regarding your MIL...how many £££s has the sister handed out over the years?! Chances are she is abusing her position and you can report her to the Office of the Public Gaurdian who will investigate her actions and take appropriate action. HMRC May also be interested!!!

Sounds like a horrible situation and it must feel like there is no solution, but you will be able to do something to take back your life Flowers

SandyY2K · 18/07/2018 17:05

People are being harsh.

How can she get a CC with no income?

How does she get a flat or house with a job or guarantor?

As your husband broke down in tears... Im sure the prospect of a divorce would frighten him. Has he ever seriously believed that you would leave?

The going to buy underwear with your DD IS DISGRACEFUL .

As he's not physically violent...do uoiu think a printed out definition of economic abuse would enlighten him.

I learned at a recent training event, it is now called economic abuse...although many still say financial. That included as you've said blocking job opportunities and similar tactics.

Could you access free counselling for abused women. A Google search in your area may help.

eggncress · 18/07/2018 17:27

Be proactive.
You don’t have to stay stuck with him and you would be better off living alone.

CAB for financial / benefits advice

Free legal advice( first 30 min sessions are free with most solicitors and you can always see more than one until you know where you stand)

Rights of Women for support and advice ( legal also and they are clued up on abuse)

Based on the info / advice you get make plans to start divorce proceedings against him.
You will be financially better off without him.
He won’t leave you so if you want things to change you have to make the first move.

You can do it!

Or imagine still being with him in 10 years from now. Life’s too short!

Don’t tell him your plans while you do some snooping.

noselimit · 18/07/2018 17:57

She has income, she could put his income down as they’re living together

That's household income. Most lenders request personal income and ask about employment. It's very unlikely that anyone will throw £2k at someone who has no means to repay.

category12 · 18/07/2018 18:09

I can't think it's good for your dc to live like this. Your eldest is living with you and saving for a house deposit, but she'd be far better getting out his thrall and being independent - what kind of relationship is she going to end up in, if this is all she's ever seen? She could still save if she took a room. Don't you think you'd be a far better example to follow if you took a stand and left this trap of a marriage?

  • You have your childcare qualifications.
  • There are options to start earning on your own and benefits you'd be entitled to.
  • You have a claim on the assets accrued during the marriage.
  • You could start divorce proceedings while still living in the property.
  • The suitcase could have an accident and everything could fall into a photocopier.
YoYotheclown · 18/07/2018 18:16

Have you visited Citizens advice bureau?

roworoworow · 18/07/2018 18:22

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Louby2018 · 19/07/2018 10:14

For the record I DO NOT receive tax credits, husband's income is above threshold. Child benefit of £34 a week due to be reduced as 18 year old finished sixth form. My elder daughter is in a healthy relationship with a lovely young man, and they are both working extremely hard to save for a home of their own. Currently my 18 year old is looking at unis, and relies heavily on her Dad for transport. I don't drive so unfortunately pretty useless when it comes to my children needing lifts. As for the blasted brief case, I sat for an hour one morning trying to break the combination code. Sad I know, but I felt so desperate to find the contents. I watched YouTube tutorials on how to crack a code in six minutes or less, well I couldn't do it. Short of getting a hammer to it not sure I can open the darned thing. I'm pretty sure he keeps his cheque books and debit cards in there. Somebody mentioned shopping in Boots, advantage card etc, to make it clear my husband NEVER gives me cash. If we run out of milk or bread etc I have to wait for him to come home, which can be as late as 9.30,pm, then he'll pop to the shop.
My child benefits are usually spent soon after I receive them on clothes and essentials for the girls. As for my husband' sister, I do know my husband got all hot under the collar when I suggested she was stealing from the mother in law. He actually asked me if I wanted her to get into trouble with the police, now why would she get into trouble I wonder! Not that I even mentioned the police , I certainly had no intention of reporting her to anyone. His family usually arrange to meet him away from our family home, have never visited us in all the years we've been together. Only met our children a handful of times when we used to visit his mother, they all lived in the same town. I don't know exactly how much money the sister has been transferring from the mother's account, but their lives have dramatically improved since the poor woman was cast off into residential care. New cars, horses, random overseas holidays, baring in mind they rarely travelled abroad before. They have tenants in her house so have a rental income from that, anyway apparently it's none of my business. I'm just the embarrassing wife who is shunned and never gets a mention when they meet up without me. Anyway must get on fixing the rooms up, I have to take my dog for a walk then I have a Sainsburys delivery due later today. It's been therapeutic discussing on here, and I am taking all advice given on board. Thank You :-)

OP posts:
category12 · 19/07/2018 13:37

What would happen if he died? You're all so over dependent on him. Hmm

Transport for dd - public transport, megabus, etc.
When you're ready to leave, smash the briefcase and photocopy if all else fails.
What about the work ideas?

snowyowly · 19/07/2018 14:25

This is a case of severe abuse and it will be a long process for the OP to work through before she feels ready to leave. The fact she's posting on here is a very positive first step.
OP, you'll know when it's time.

user1471590586 · 19/07/2018 14:31

I wouldn't bother trying to guess the code for the briefcase. I'd just get the lock cut off.