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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

Unequal finances- help

39 replies

stuckinarutandfedupmama · 12/07/2019 20:33

Hi all,

Please excuse if this comes out in complete gibberish, it's my first post as I really could do with some advice about how to handle a hurdle in my relationship.

For context, me and my OH have been together 10 years and have a 5 year old DC together. He had his own business which has always struggled really and I got fed up of the drip feed of money and never having enough to go round. When our DC was 2, I made the decision to go to work for our own stability. If I didn't, we would have drowned in debt.

At first, he wasn't happy with this arrangement as he always believed the business would 'take off'. He took over childcare while I worked. He didn't seem to get that I couldn't pay bills on a wing and prayer and feed our child. Eventually, he began to see the benefits- he kept his business (which was slowly going belly up) but I brought the stability in so I was happier.

I have since been very lucky to have had a series of promotions, which meant my sole income could pay for everything and we had a good standard of living. My OH seemed to get more and more resentful, especially as the business was nosediving, and eventually said he just wanted to get a job, and would park the self-employment dream/nightmare. This decision coincided with the fact that I had saved enough money for a deposit so we could be homeowners.

We both agreed that since DC had started school, this was a great idea and would mean we could both go on the mortgage. Since then, he has been working, we have our house (new build so don't complete until December) and everything should be better.

Only it's not. We now do not agree how to split finances. As his previous income was so up and down, he only contributed when he could. Food, bills, rent, you name it, I paid. This was always because we couldn't count on his money, but now he has a steady income, I expect it to be an equal share, contributing to our household. This is particularly prevalent as we are scrimping and saving for furniture, added costs of moving etc. and I am doing this alone. He has gone along with this whole mortgage idea, and now I am having to pester him for a contribution.

For context, he earns half of what I earn, however he does a lot of overtime which means sometimes it's basically equal. He said he would pay a third of his income, and it's been hit and miss. However I believe it should be based on our outgoings/income. I am paying for everything still, and he is giving me a contribution. He then spends his money and expects me to pay for cabs/train fare when required. Why must I pay for all the necessities/ boring stuff, so he can basically throw me whatever has chooses to? His attitude is basically that I should be lucky he is giving me anything. I am feeling exploited, and don't know what to do.

He has since decided to give his family members money every month too. I have no issue with this, except that it is a battle to even get him to contribute. For example, last week he was paid £600. He paid £100 out of this to me and got angry when I didn't thank him for it. For me it's the principle, and it's got me thinking to pull the plug on the house as it will be me paying for it all. He said as long as he pays something, it's better than nothing, and that I didn't pay him every month while he was struggling. However we both lived off my single income.

Please someone make this make sense for me. How do I get through to him? We are not speaking as I am very disgusted at the sheer audacity that I have held our family down single handedly and now have to beg and plead for the basics! I wish I got to keep 3/4 of my wages for spending money....

OP posts:
stuckinarutandfedupmama · 12/07/2019 20:33

Gosh, what a rant! Blush

OP posts:
happygiraffey · 12/07/2019 20:39

I think he's really taking the piss. I had a husband who was like this and it got worse and worse, I don't like how resentful he sounds and it's a big red flag to me after what I experienced

user1471449295 · 12/07/2019 20:47

This is it OP. This is your life with him.

Cloudyyy · 12/07/2019 20:51

Ohhhhh OP this is awful!!!! You must sit down with him and spell it out to him properly. You should both be keeping the same amount of personal spends each month and everything else goes into the family pot.

fedup21 · 12/07/2019 20:53

What a tosser-I don’t understand how on earth he thinks this is reasonable!?

stucknoue · 12/07/2019 20:54

Sort this before you complete on the house! I suggest everything into a joint pot then you each get equal discretionary spending for hobbies, work lunches etc.

Bananalanacake · 12/07/2019 20:57

why on earth is he giving money to his family. don't they work.

stuckinarutandfedupmama · 12/07/2019 20:58

@happygiraffey This is my worry, after 10 years you would think I'd know everything about him but this is a bolt out of the blue! Thank you for responding.

OP posts:
PennnyGold · 12/07/2019 20:59

Firstly, congrats on you doing so well in your job! That's such an achievement.
I'd sit him down and wrote down each expense (outgoing) and determine who was paying for what, sometimes men just need to see it very 'black and white'.
I can't imagine he's doing it on purpose, so surely going through it together would help?

stuckinarutandfedupmama · 12/07/2019 21:00

@Cloudyyy Thank you, he just seems to think it will all sort itself out! He said I shouldn't count the overtime (so I don't) and it's still unequal. My only option is putting it in black and white and showing our outgoings so maybe he understands?

OP posts:
stuckinarutandfedupmama · 12/07/2019 21:00

Funny thing is, he thinks he should contribute to their lifestyle!

OP posts:
stuckinarutandfedupmama · 12/07/2019 21:02

Thank you so much, DC was the driving force behind it really. I think this is what I need to do. Everytime we try to speak about it he's very dismissive and I end up flabbergasted at the fact we even need to talk about this in such a way. Maybe seeing everything in b&w will make it more obvious.

OP posts:
MeanMrMustardSeed · 12/07/2019 21:02

I think you need to work out all the income / expenditure and how much you both should be contributing (I would personally put it all into one pot, take everything - including savings out - and divide the remainder into personal spends) and set it out to him. Then he takes it leaves it. If he doesn’t like the terms, I would get rid. This is no way for you and your DC to live.

stuckinarutandfedupmama · 12/07/2019 21:03

@Bananalanacake sorry this was in response to your question!

OP posts:
LordNibbler · 12/07/2019 21:03

You're not married. I'd bin him off and buy the house myself. He'll have to give you child support so I'm sure you'd actually be better off this way. And probably happier.

MeanMrMustardSeed · 12/07/2019 21:05

He doesn’t think you should include his overtime?!?!?!?!? Why ever not? Who is doing / paying for t childcare and running family life while he is working? What a cheek.

TalkinAboutManetManet · 12/07/2019 21:09

If you do stay together and go ahead with the house purchase, please see a solicitor to protect your deposit.

That said, I couldn’t be with a man who was such a piss-taker. You’d probably be better off getting child maintenance from him, and buying the house on your own.

Horsemenoftheaclopalypse · 12/07/2019 21:10

Firstly you sound amazing Flowers

But this is utter bullshit and (nicely) you need to wake the fuck up.

This man is not a man, he is in fact a man baby.
You cannot rely on him.
You have placated him and carried the family for a decade...A DECADE...

Now he finally gets a job and you are supposed to bow and scrap in gratitude at lord bountifuls generosity of £100 Angry

The reality is he won’t pay to raise his children but he’ll give money to the extended family... Hmm

This will not end well and I’ll tell you now: You would be AN IDIOT to put this clowns name on the mortgage.

Stop carrying him. Buy the house yourself and move into it with your child.

Alarae · 12/07/2019 21:14

I earn about 60% more than DH. We have recently reworked our finances that we pay into a joint account (to cover mortgage, bills etc) proportionate to our incomes.

This way we have the same percentage of our income leftover to spend however we like. Means I will pay more, however I dont feel hard done by as I still have a bit more income to play with at the end of the day.

JoJoSM2 · 12/07/2019 21:20

He sounds absolutelay dreadful.

We pull our money together so it's family money. Each of us gets the same spending money and the rest is used for family stuff + savings/investments.

CheerfulChimp · 12/07/2019 21:30

I've had similar experience and learnt that men like him will NEVER change. They will continue to milk you until you have nothing left to give.

Run for the hills whilst you still have your strength and sanity!

It wasn't until after I binned mines years ago that my life improved massively. All along he was the burden and cause of my stress.

billy1966 · 12/07/2019 21:43

He is another waster who won't change.

Don't put him on a mortgage with you.

Why would you.

Protect yourself.

Livelovebehappy · 12/07/2019 22:00

Me and my DH keep our money separate and I pay for everything whilst he pays me a set amount each month. It’s been the same amount for four years and I’ve recently said he needs to increase his contribution as we have bought a house after renting for years, and the mortgage is more than the rent, also increased bills. He isn’t happy about it and I’ve had to push it because it would be easy to back down for a peaceful life but that’s not happening. He is self employed so uses that as an excuse as he obviously doesn’t have a regular income, although is very busy so I’m sure he earns a decent amount. You just have to be firm and work out a fair contribution and tell him that’s what it is. I think when he realises you’re not going to back down or be bullied, he will accept it, even if reluctantly.

Pessismistic · 12/07/2019 22:09

Wow he’s definitely taking the piss you and dc are his family you need more money paying when he gets paid and have so much money to live on for yourselves so if he earns 600 he should give you 500 joint account all bills mortgage dc costs come out house budget then he can do what he wants with the 100 and overtime should be put in joint pot for savings for a Rainy day or holidays don’t let him take you for a ride you gave him support when he needed it now he has to step up it’s his house bills and dc. Good luck.

RandomMess · 12/07/2019 22:16

Do the right thing by your DC and bin him! Protect their financial security, house in your name only for starters!