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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

Struggling financially

189 replies

Pandasandicecream · 19/10/2019 17:44

My dh and I have been married for 17 years and have two dc. Since the second dc (3) I’ve been a sahm. This is for various reasons, partly bexhase dh is away a lot and so everything regarding the children falls to me and partly because I was very unwell after dc2 and he was very unwell too.

My dh is a high earner - between £100k and £150k annually depending on bonuses. We don’t have a mortgage. We don’t have a joint account. Each month dh gives me £650. From that I spend about £100 on petrol and a further £100 on food. Dh pays for all other bills.
I’m left with £450 a month - I tend to pay for the children’s clothes (not shoes, can’t afford it) and day to day activities because I’m at home with them. I also give ds1 £20 pocket money a month. £450 sounds a lot but it isn’t. I struggled a lot over the summer holidays. If I want a hair cut or to buy a gift or go out for an evening I have to save. Dh meanwhile bought himself a very expensive watch last month because he felt like it and spends a lot of money on his hobby. He describes £50 as ‘not much money.’ He’s also been abroad with friends etc and obviously has no trouble affording it.
I understand it’s all his money and he’s earning it - I’m looking for a job. But I’m really struggling regarding money. I have the children all weekend too and finding things that are basically free is difficult. Ds1 is 11 now so his clothes are more expensive.

Dh won’t discuss it with me.
I just feel a bit, I don’t know, like a child. Like he gives me a set amount and that’s it and I don’t get a say in any financial decisions.

OP posts:
Thisishowwesurvive · 20/10/2019 09:20

You have £450 to spend as you please every month?? Don't be greedy . I would love even £50 extra for luxuries. Enjoy it and stop complaining. First world problems from the rich are really irritating.

Thisishowwesurvive · 20/10/2019 09:22

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Thisishowwesurvive · 20/10/2019 09:24

£450

Hawkinsxmaslights · 20/10/2019 09:24

It’s not about the money. It is the fact him having so much more makes her feel like the poor relation in what should be a loving and equal marriage.

Surely this is the point?

Cambionome · 20/10/2019 09:26

I have reported your deliberately unkind and goady comments survive.

KatharinaRosalie · 20/10/2019 09:31

Yes and people on income level one somewhere in rural Africa..

It really does not matter that this might be a lot of money for someone else. OP has no access to family money and DH won't even discuss finances with her.

SesameOil · 20/10/2019 09:31

You have £450 to spend as you please every month?? Don't be greedy . I would love even £50 extra for luxuries. Enjoy it and stop complaining. First world problems from the rich are really irritating.

Not half as irritating as pretending it's fine for a person to be made to feel like a parasite by someone who's supposed to love and value them, as long as they have more spending money than you do.

username1724 · 20/10/2019 09:36

My dad was a high earner, my mum stayed at home. They shared everything, he bought her gifts regularly, he made sure she never went without. My partner and I share everything, I do work but during mat leave and being part time theres just no 'mine and yours' it's all 'ours'. Sort him out, show him this thread, that's not okay to live like that with such distinct inequalities.

OnlyFoolsnMothers · 20/10/2019 09:39

You have £450 to spend as you please every month?? Don't be greedy . I would love even £50 extra for luxuries. Enjoy it and stop complaining. First world problems from the rich are really irritating

What a stupid uneducated comment, read the thread! Firstly it’s not to do as she please, She pays for the kids clothes and activities- equally the husband is out buying flashy watches etc and the Op has no access to family money- family money for the family she is raising!

SesameOil · 20/10/2019 09:44

Perhaps thisishowwesurvive thinks clothes are optional. And a first world problem. I suppose most of the first world is in areas where you'd actually freeze without clothing for part of the year so it's more of an issue than it might be in, say, the Congo rainforest, but I doubt that's quite what was being got at.

Hawkinsxmaslights · 20/10/2019 09:46

This is not right but quite common I noticed a few years ago while my kids were still at school that quite a few of the husbands had top of the range cars but the mums were struggling on with old bangers!

Sunshinegirl82 · 20/10/2019 09:57

I would quietly see a solicitor and start to get a feel for how things would work out for you if you split up. Can you start to look for copies of bank statements, pension statements etc. So that you can give the solicitor as much info as possible.

How much is the house worth? Are you currently London based?

Your husband sounds uncaring and controlling. Ignore those who seem to think you've won some kind of lottery because your DH deigns to give you less than 10% of his take home pay. It is not acceptable. You are being abused.

Did you work before your youngest DC came along?

Quartz2208 · 20/10/2019 09:57

Oh OP he has worn you down to the point where you think that it is all his and what you deserve. I suspect the abuse extends

It is not HIS more it is family. I suspect you do an awful lot to facilitate him. And he is letting his kids go without whilst splashing his cash

Personally I would get legal advice and leave

mclover · 20/10/2019 10:01

You are a role model to your kids. Would you like their future spouse to treat them like this? No of course you wouldn't. What would you tell them to do?

  1. Tell him you need more money
  2. Get a job yourself
  3. leave him and take half
Actionhasmagic · 20/10/2019 10:06

He’s selfish ... doesn’t care at all

Soon2BeMumof3 · 20/10/2019 10:23

@CallmeAngelina amen.

It's bloody depressing what some women will accept.

Thisishowwesurvive · 20/10/2019 10:46

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DragonontheWagon · 20/10/2019 10:50

Jesus Christ some of the comments on here are awful.

I agree with a pp saying that women sometimes have very low standards in who they have children with. I'll hold my hands up and say I did too, married quite young and that six year marriage taught me a lot about life and men. My standards now are very high. I am remarried but it's a grown up, respectful relationship.

It's all very well saying ltb because she'd get more than £650 in maintenance, but by the time all the bills and living expenses were paid there certainly wouldn't be anything like £450 left for clothes and activities

No but she'd have her self respect back, her confidence will be growing and she'd be teaching her children that women don't have to put up with this shit.

CallmeAngelina · 20/10/2019 10:58

Oh do fuck off, thisishowwesurvive.

CodyBurns · 20/10/2019 11:21

@Thisishowwesurvive stop being a goady shit. OP has come here for support as she’s being financially abused, can you not kick her when she’s down? It’s just spiteful.

OP, please don’t listen to the comments suggesting you learn to budget better, sell your stuff or otherwise put up with this abuse for a minute longer. It’s time to take back your power.

Document everything you can get your hands on, start making a plan for how you can escape this cage he’s put you in. It’s absolutely appalling that he is effectively forcing 75% of the family to live on 10% of the family income.

How dare he!

doombaby · 20/10/2019 11:23

Poor little rich girl springs to mind

Spiteful, jealous & with a chip on your shoulder springs to mind.

crimsonlake · 20/10/2019 11:24

I cannot fathom some of the posts on here from posters who seem to think your situation is somewhat acceptable and you have enough to live on.
Somehow they seem to have missed the issue here is that he is a High Earner and you are having to live frugally. You are seeing no benefit of his high earnings and it is certainly you who is enabling him to be in the position to earn it.
My ex was similar, a high earner...I gave up my career to be a sahm. Without realising it you gradually become reliant on them and find yourself accepting of your situation rather than questioning it and realising it is all wrong.
I was in the same situation although we had a joint account but I had no access to it. He used to give me a set amount each month for food and basics, during our divorce I discovered he had been squirrelling much of it away.
Looking back I cannot believe I was so blind to what was going on and simply accepted my situation.
Unless you decide to leave, I would be having a conversation insisting you want to know everything in detail about the families finances, his earnings, pensions, savings accounts, credit cards etc etc.
You need access and passwords to all accounts including a joint account which he wll need to agree to.
Take away his controland make yourself financially aware of everything that is going out and coming in.
If he wont provide this I would be making plans for divorce, this is no way to live. Bear in mind if you do set the wheels in motion for divorce you will need all this information, better to have it now than to pursue it through the courts.

CodyBurns · 20/10/2019 11:25

And to put it into perspective, If he wants to claim he’s ‘paying you’ by giving you and allowance, £15 a day works out at less than a pound an hour for everything you do.

Let that sink in.

EssentialHummus · 20/10/2019 11:32

You deserve so much better op. You need to agree either access to joint account or much more money per month transferred to you, for a start. Keep in mind if you were a nanny doing your own job in London you’d be on north of £35,000 a year...

Moominfan · 20/10/2019 11:33

Op I might be jumping gun here but this guy is letting you scrimp by and doesn't see you as an equal. He can work because you run the house and provide child care. If he's not prepared to discuss I'd be looking at divorce. You'd be better off separated

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