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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:
MapleLeafRag · 19/07/2018 14:42

If it’s a 6 figure code could it be his birthday or the birthday of someone in his family? Or work through all the numbers for 10 minutes a day until you crack it.

mummmy2017 · 19/07/2018 18:57

He wouldn't be allowed to rent the house on a small income, they require proof of income.
Something fishy is going on.
Open the case and just face him with it. Photo all documents and send them to the cloud...
Then tell him you want x amount each week cash or it is over...

Doingreat · 19/07/2018 21:07

Op break open the briefcase. He's hiding income from you. He has assets from the sale of your previous houses and money his sister has given him over the years. It's time to get serious with him. Follow what mummy2017 said and photocopy all documents and send to cloud and threaten to leave him unless you get full financial disclosure and equal control over money.
Blackmail him that you will report his sister to the police with regards to mishandling of their mother's assets if he doesn't comply.

This is for the short term. Long-term you need to leave and make a better life for you and your kids once you have a job and are financially secure.

It's time to go completely batshit crazy on him. He's got away with it for far too long.

I hope you find your anger OP. And take back control.

SandyY2K · 19/07/2018 21:35

It's all well and good saying break open the lock...and then what?

If this is a man who won't even give you money for milk and bread...knowing the code and finding won't help.

You know his salary...you know the amount of rent you pay... £35k isn't megabucks..but he gets money from his mother.. so that's additional income.

The only time is break the lock is when I had a plan in place to leave....then I'd just take the briefcase with me and I'm sure the contents would be very revealing.

Breaking the lock and staying in the house will only create a hostile environment.

devasted · 19/07/2018 21:42

If he is abusive please do not confront him over what you find. It could end up very nasty. Take photocopies by all means but don't tell him about them or that you know.

Xtrah0urzz · 20/07/2018 04:10

How have you survived with zero money for 18 years ? Suggest put advert in super market to do ironing, cleaning, Avon selling, pet sitting, dog walking, baby sitting. How have your children survived with no money of their own ?

Xtrah0urzz · 20/07/2018 04:19

Is there someone in your area that already does ironing, selling, cleaning, Avon, pets, caring that has too much work that you can help out ? Maybe advertise on local Facebook, Gumtree

eggncress · 20/07/2018 15:10

OP, what about reporting him to the police ? ... this is severe financial abuse of you and the dc.
It’s a criminal offence.
He may as well be imprisoning you as you can’t do anything or go anywhere with no money.

You can get free legal advice from Rights of Women.

When the time comes that you are in position to leave just take the case with you, break it open, photocopy the contents then send him his documents back.
Meanwhile FlowersBrew

Louby2018 · 23/07/2018 22:34

How have we survived? He has never physically handed us cash or payment, but he has accompanied us on rare trips to the hairdressers, and years ago we all used to go supermarket shopping at the weekends. He'd always pay of course at the checkout, same as for opticians when he basically appears at counter to pay for my prescription glasses, all rather demeaning. I felt like a child with Daddy paying for essentials, not allowed to have money of my own to have dignity in stores. I don't have dental treatment as last time I went, accompanied by husband as usual, no where's walking distance nowadays so always have him like a taxi driver, plus to pay dental fees. Anyway last time I went over 15 years ago I needed over £50 of treatment, he was not happy about the cost, and so I never went back. He meanwhile has his regular check ups and perfect set of teeth. This is not an equal marriage it never has been!

OP posts:
Oldbutstillgotit · 23/07/2018 22:47

So what are you going to do OP ? You have had lots of good advice .

rollingonariver · 23/07/2018 22:57

Your poor poor children.
Who will stand up for them and make sure they don't have his life too?

snowyowly · 23/07/2018 23:14

That makes me very say, OP. I can relate directly about the dental treatment. I never had any for years and years because I couldn't afford it, even when I had my own income. He, on the other hand, had private treatment through work. When I stopped working to look after our DC, going to the dentist would have been a luxury and I didn't consider myself important enough (subconsciously of course). This is what this man has done to you. He's made you so submissive, you have lost all sense of self worth and importance. You ARE important and you do not deserve such appalling treatment.

snowyowly · 23/07/2018 23:14

*sad

TheGr3atEscapez · 24/07/2018 23:48

You have zero independence. What happens if you need to travel to see family or friends ? What if you want to start a hobby ? Why is your health suffering due to lack of money ? Why don't you have your own money or access to joint account ? You need to start getting angry. Get advice from Citizens advice or Women's Aid and get a job, any job. How are you going to finance your future and your retirement ?

OldGreyBadger · 27/07/2018 10:36

As PPs have said, this behaviour is a CRIMINAL OFFENCE - Section 76 of the Serious Crime Act 2015 - Controlling or Coercive Behaviour in an Intimate or Family Relationship. Google "coercive control."

Ring 101 and speak to the police - or tell your DH you have read up about it and that his behaviour must change. I know its never easy to rock the boat, but how many more years of this can you and your DC take?

Good luck, and keep us informed. Whatever you decide, there will be support on here.

Louby2018 · 27/07/2018 23:34

I've been in touch with women's aid and they too forwarded me a copy of the coercive behaviour laws that came into effect in 2015. My 18 year old daughter had also quoted the act to my husband, she is studying international law so she knows her stuff bless her. My husband just basically mocked me at the time and sarcastically offered to pay me the bus fare so I could visit the police station and report him! Anyway, this thread gas fired me up again about my rights in the marriage, so I brought the subject of coercive behaviour up again. My husband again told me to report him to the police then, so I told him I ALREADY HAVE! His initial response was oh how in that case he'd have to leave the relationship and find a place of his own. All talk though, 'cause his attitude soon changed to being nasty, and bitchy about my situation. Bottom line is I am more determined than ever to make a go of it alone. I shall definitely keep you posted.

OP posts:
eggncress · 28/07/2018 00:20

Well done for making a start OP. Get legal advice and be careful .
Phone 999 if you feel at all threatened by him.
Keep posting.

Zommum · 28/07/2018 00:25

Can you take id into the bank and access money that way?
I would ask a friend if you can put groceries on your card and them give you cash, save a bit that way. When you are ready to leave (you will have to do this the day you leave) take anything worth any money to a pawn shop to sell. Hopefully it will get you started.

Cawfee · 28/07/2018 04:53

He’s utterly vile. Ring round solicitors and explain your situation and ask for free advice. You can also call Rights for Women who provide free legal advice. There is a legal section on mumsnet. Repost there and ask for advice. Do you get income support? Are you getting all the benefits you are entitled to? If you left him, you’d be entitled to housing benefit to cover rent. Start gathering information about what you are entitled to.

Louby2018 · 28/07/2018 23:27

I don't have any friends, moved away from my home town years ago, and never really socialised since. Not sure about the suggestion of taking id to the bank? I don't have any money in my account, and I don't share joint account with mya husband. Nothing is in both our names, he's made sure of that. He's never been one for sharing. No I'm not on income support, with his income being above the threshold I've never been entitled to tax credits let alone income support. I just receive child benefit for one child, that's all that ever hits my bank account. I'm poor basically, but not recognized as such as I'm married e

OP posts:
TheGr3atEscapez · 29/07/2018 09:47

When child benefit stops, you will have zero money. I assume due to being married, your accommodation and bills are paid. However, you have zero freedom and zero choice. Would you consider divorce and get a job, then you would have your freedom ?

Louby2018 · 29/07/2018 10:51

Hi, Anyone know where I stand, as it's been a particularly bad morning. I got sick of all the conflict and aggression and locked the door when he left the house to take my daughter to work. He'll be back and he's not going to be happy that the door is locked and I've left the key in the lock so he won't be able to let himself in with his own key. I just want a quiet Sunday morning and wish he'd disappear.

OP posts:
Mythologies · 29/07/2018 10:59

Ah yes, the dentist.
I remember that one.
Although I worked three jobs, I was never 'allowed' to go to the dentist.
His 'needs' were greater and all the money was his anyway.
He went to the dentist every few months.
I lost three teeth.
Ex now, but I never got the teeth back or the years.

Mythologies · 29/07/2018 11:00

pm me if you would like

Louby2018 · 29/07/2018 11:04

Yes, I've considered divorce, but it would affect the whole family. I've stayed with him this long yo ensure the children don't go homeless. I know solicitors offer half hour free consultation, but that's just to reel you in, once the 30 mins is up, then what? I'm not in receipt of benefits so not entitled to legal aid, not to mention public transport costs. I think it's the thought of being destitute that frightens me, because once I start putting the wheels in motion that's it, I'm on my own. I have no friends, no family, no money, no means of transport no means of putting a roof over our heads. It's a big step and inevitably there will be a period of us all being homeless and that's what I want to avoid.

OP posts:
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