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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

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:
Weenurse · 12/07/2019 22:24

Show him the income and out goings in black and white.
All money into a pot, we split it -
60% for everyday living, food, bills mortgage etc.
20% savings for furniture, holiday etc. and 20% splurge for date nights, hair cuts, outings for family.
Good luck

EileenAlanna · 12/07/2019 23:51

Your OH has been a financial dead weight for the whole of your time together by the sound of it & his vision for going forward sounds just as bleak for you & DS. Pull out of the house purchase, on no account have a mortgage/deeds in your joint names.
Is there anything positive you're actually getting from this relationship? Maybe it's time to call it a day. Are you actually married? If not you've no need to worry about your savings etc being declared marital assets & can buy a house on your own.

granadagirl · 13/07/2019 00:28

He gives money to his family,yet resents paying for his own.

He’s pushing his boundaries with you, the longer you let it happen he’s going to carry on.

How’s about added it altogether
Taking out
Rent
Food
D/d’s
Insurance
Petrol
Car
Council tax
Water
Gas/electric
Tv
Mobiles

See what’s left and half each ?

If he says no, then I’d defo pull the plug on new house. Keep your deposit for “fuck off fund” for you & ds.

SavingSpaces2019 · 13/07/2019 00:29

it's got me thinking to pull the plug on the house as it will be me paying for it all
You should have had this realisation BEFORE naming him on the mortgage!

For 10 years he has REFUSED to be an equal partner with equal responsibilities - including towards your child.
His selfishness and immaturity would have seen you and your child HOMELESS.

It's bad enough that you enabled this man-child for a decade and had a child with him, but after all the hard work YOU alone have put in to be secure -you're prepared to hand it over/risk it all by naming him on YOUR mortgage?
A mortgage he can't even 'afford'?

I think your partnership died a long time ago if it ever truly existed.
He didn't give a fuck about providing for you and his child before, and now that he actually has a stable income he would rather give it to other people who he values more.
Why do you continue to live with a man who has been using you as his cash cow and surrogate mother?

Separate your finances and end this farce of a relationship.
You deserve better.

readitandwept · 13/07/2019 00:48

No way on earth would I be staying in a relationship, never mind buying a house with this guy.

He has no respect for you, or what you have achieved in spite of being lumbered with him.

Take your deposit and buy your OWN place. You will continue to flourish and he can crack on being an ungrateful, bitter dickhead. But one who will have no choice but to contribute to his child's life.

AgentJohnson · 13/07/2019 01:09

‘But he doesn’t get it!’! Oh yes he does and his entitlement didn’t come out of the blue, it was progressing but you put the blinkers on (understandably) because shit needed paying for.

I doubt very much that putting stuff in black and white will trigger an epiphany because he has cleverly made his resentment work (financially) for him, by turning it into entitlement. He sees his financial contribution as an option and you’ve enabled this belief by tiptoeing round his ego.

Time to stop asking for his contribution and start demanding it. The choice for him should be simple, step the fuck up or fuck the fuck off.

AgentJohnson · 13/07/2019 01:13

Everyone plays a role in a relationship dynamic, unfortunately you’ve chosen doormat. The good news, you can turn it around by doing different but a price you might pay is your marriage not surviving because he may decide to stick to being entitled.

DarklyDreamingDexter · 13/07/2019 08:02

Instead of being grateful to you for keeping the family afloat for so long, he's totally using you and taking you for granted. I'd be completely reassessing the whole relationship with this freeloader. If you kicked him out, how far would his £600 go if he had to pay all his own rent, bills, food plus child maintenance? No way should you be buying a property in joint names, don't even consider it. Please don't! Seriously, you will lose out big time if/when you spilt and you'll put your own and your child's financial future at risk while he owns half a property he's barely contributed to.

Figure8 · 13/07/2019 08:09

You can't make him "get it".

This isn't about finances, this is about lack of respect. And you can't make someone have respect for you.

IceCreamAndCandyfloss · 13/07/2019 09:19

I’d have ditched him pre children let alone after. I won’t settle for less than an equal partner an have taught my children the same. I don’t want them to think it’s ok to live off another or to opt out of house stuff etc.

Nanny0gg · 13/07/2019 09:24

Read the post from @Horsemenoftheaclopalypse.

Then read it again.

Then move to your nice new house with the children ON YOUR OWN.

Do not put him on the mortgage or the deeds.

Have a lovely fresh start and benefit from all your hard work.

Twingirlsrock · 13/07/2019 16:05

Wholeheartedly agree with other posters - don't put his name on mortgage or deeds. No way.

For me - although the financial situation could be worked out perhaps if he faces an ultimatum - what's really tough is that he has this capability, to take advantage and to be so selfish. That is what I find the most depressing and have come across myself.

Very hard to "unsee" things like that and I'm not sure how much you would even fit from trying to.

Congratulations on all YOUR successes - doesn't sound like luck to me... sounds as though you have done brilliantly!

Astro214 · 13/07/2019 17:00

Definitely didn’t put his name on the mortgage until and unless such time he properly contributes to the joint living expense !! I have been in a smililar situation to you and been told to feel ‘ grateful ‘ for the adhoc throw of some cash towards the bills which has been nothing in comparison to the actual expense . These men duck and dive away from financial responsibility as they feel they can. - unfortunately sometimes our own success and ability to organise and Diligently cover financial responsibilities enables them to take the p and even play the hard done by victim when asked to properly contribute - am afraid with women becoming more and more the main bread winners this attitude may continue :( just pls don’t put his name on the mortgage and keep a record of your expenses vs his contributions should you need it in future

stuckinarutandfedupmama · 14/07/2019 21:19

Hi all,

Just wanted to say thank you so much for all your contributions. I definitely needed to hear some home truths and seeing it in black and white myself has been eye opening. I think I expected appreciation, gratitude, something more than what I’ve got from him. I’m seeing a solicitor and ensuring I am protected, and am going to rethink my plan regarding finances. If it stays like this I don’t think my relationship will survive as it’s making me look at him in a whole other light.

Again, thank you all for taking the time to comment. So appreciated you have no idea!

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