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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

Second wife tale?

151 replies

BonneMaman77 · 30/03/2020 22:13

I remarried three years ago and went from being a newly single woman to paying for maintenance of new husband's kid's and their mortgage on the home the kids live with their mother. Plus his half of our life. He lost his job a few months before we got married and was in any case, focused on his start-up.

The start-up has a lot of potential and he works really hard on it. He is the hardest working man i know. It is in a good place with good investors and potential clients. Still, potential not done. I am tiring of this life where i am the breadwinner and wonder for how long this will go on. Before a I moved to a new job about a year ago with a huge pay-rise I was eating into my savings and have halved it. I resent not being able to afford the life i want for me and us because of the expense for the kids.

How do deal with this?

OP posts:
Pulpfiction1 · 31/03/2020 19:24

I'm reading from your response that you well and truly have your fingers in your ears.

If you want to carry on working hard to just give your cash away to
your husbands ex wife and pay for a house you have no stake in when neither you nor your husband have any legal obligation to do so - carry on. Personally I think they saw you coming from a mile off. More money than sense comes to mind.

Dollyparton3 · 31/03/2020 19:35

Hi OP, it really depends on what your mutual philosophy is on university and how it should be funded.

I'm in a similar position to you as a step mum with no kids of my own and the higher earner. Both of my SC have benefitted hugely from me coming on the scene. (Bigger house, holidays abroad, gifts, days out etc all funded by me ). That's fine because I love them to bits and most of the time we get on really well.

My take on university is different however. I came from the school of hard knocks and I have a stepdaughter who constantly has her handout for a TOWIE lifestyle: she's in her first year of uni. Not a problem. We give her an allowance to run her car and get her to and from uni. Next year when she moves there she will need to get a maintenance grant. Neither me or my husband had a uni education and if we had, our parents wouldn't have handed it to us in a golden envelope. My brother funded his uni education with a student loan and working in McDonald's.

I think the question here is what can you both afford at the moment and what is necessary. I know I get miffed every time we get the hand held out from my SD for something even though she has her nails done every 2 weeks and recently spent £300 on eyebrows. But when that happens we pull her back into check and ask her what is essential and what is a "want".

Puzzledandpissedoff · 31/03/2020 19:43

I understand and accept that I need to talk to DH and get this out in the open and make some changes. That is what i need to do to stop the resentment I am feeling

Well done, OP - it's not always easy to see these things when you're in the middle of it all, and it can't have been easy to read these comments even though most are very wise

Do be aware, though, that DH may not appreciate any suggestion that the brakes could be put on your over generous commitment; you'll almost certainly get the "just a little longer and we'll be there" speech and more besides.
I'm just wondering if it would be worth you getting some legal advice ... not for the usual Mumsnet thing of LTB (!!), but to get a clear understanding of exactly where you stand to prepare for the conversation

And you didn't mention what your job is, so if it turns out you're a lawyer already, please ignore me Wink

Lllot5 · 31/03/2020 20:01

What would have done had your dh not met you?
The kids would have had to get a job to help them at uni.
The house would’ve been sold if your dh couldn’t pay his half.
Not your responsibility it really isn’t.

Aderyn19 · 31/03/2020 20:18

I'm just going to point out that uni kids do have maintenance loans but these are often insufficient to even cover the rent let alone living expenses. Even with jobs (if they can get them), most students need parental help. The govt expects parents to help support them, since the amount of maintenance loan available to each student is calculated upon household income. For the purposes of student finance, the income of step parents who live with the student is very much taken into account by the govt.
I think some posters aren't aware of this when they say uni students are adults and should be self sufficient. The govt makes it virtually impossible for them to be so.

Winterlife · 31/03/2020 20:26

OP, were I in your shoes, I would approach it as "We're in uncertain times, you could be infected with COVID-19 and die quickly. I think we should document the funds I've advanced you for your previous matrimonial obligations, and we both should prepare Wills." Then have all the funds you advanced him documented by a solicitor.

You should also check if something happened to him, whether any obligation he noted would affect the interest in the house. Is the home held as joint tenants? Or was the joint tenancy severed? You need to ensure the tenancy has been severed, so there is no right of survivorship. A title search can provide you this information, even without your husband's knowledge. The last thing you'd want is a joint tenancy, something happens to your husband, and his ex gets to keep the entire home, funded the last three years by you.

WRT to his company, being a director means nothing. If you are to receive equity, you need to be a shareholder.

BumbleBeee69 · 31/03/2020 20:31

Ladies.. I love the floral language... and it's all still darned good advice... Flowers

HatRack · 31/03/2020 20:37

For a "very high earner", you sound very naive OP.

user1497997754 · 31/03/2020 20:39

No you stop paying anything relative to ex wife and children....not your responsibility. His ex wife must be laughing at you.....no more

copycopypaste · 31/03/2020 20:39

I'm afraid you are financially supporting your dh, his ex and his kids

Firstly insist he starts to pay back into your savings (although if you divorce he'll be entitled to 50% I guess)

Secondly, stop paying for his dc, they can work whilst at Uni

Thirdly, stop supporting his ex by paying the mortgage (if you divorce, will you get any % if their material home / doubt it)

Fourthly I'd be telling your dh he's had more than enough time with his start up, so he needs to either pay his way or get another job

mumieone · 31/03/2020 20:42

You're doing alot for his family it's not your responsibility and they way he lost his job a few months before your marriage (such a common story).

The latest scam that I hear over and over from women is they get in relationships with men who whoo them (on credit card) and pretend to be stable. As soon as they have a ring on the finger or move into your house - they lose their jobs (just like that).

Alot of the time these spongers don't even have a job and they just pretend they do. The credit card is holding them up. Then when they have you hooked and have softened you up - that bill is yours!

It's' crazy!!! And 3 years jeeze!

billy1966 · 31/03/2020 20:48

@Winterlife
Super advice.

OP, the choice is yours, but the fact remains, you have somehow landed yourself with 4 dependents, 3 years after marriage...

JKScot4 · 31/03/2020 20:49

OP out in the open?
he continues to pay for the mortgage and they share the equity when they sell the house
YOU are paying the mortgage and uni costs, keeping him!
He works hard? really? no income after 3 years is a hobby not a job!
Do you have any proof you’ve paid this mortgage for 3+ years?

Bluewater1 · 31/03/2020 20:54

My folks could not afford to fund me through university. So I had student loans and I worked every single holiday to pay for my accommodation and food....

LadyColmans · 31/03/2020 21:04

OP, instead of trying to stifle your resentment (which won't work) you need to see it as what it is - a useful message that something is very wrong.

If you carry on like this, the resentment will build - in the same way that the pain would build if you sat with your toe in a mousetrap continuously. It (the resentment) will poison your relationship. You won't be able to damp it down.

Instead, listen to what it is telling you. Something is wrong. Something needs to change.

Getting anything to change will be very difficult, because your DH (regardless of what a lovely chap he may be) is in a comfortable position. No one is ever willing to change a comfortable position. He'll want to believe the situation is viable - your resentment is a message that it isn't. He will try and minimise your resentment, pretend it isn't real, is just because of stress, temporary, etc.

It's not. You need to deal with it.

I speak as someone who spent 10 years supporting a man who was "setting up a business". The resentment destroyed our relationship. And looking back on it, I don't think my "support" did him any favours at all. He needed to stand on his own 2 feet. What you are doing - well meaning though it is, is enabling, and destructive to your relationship. I hope you can get a grip on it, and not find yourself in the same position I did.

Please see your burgeoning resentment about this as a useful message, not the problem.

BonneMaman77 · 31/03/2020 21:43

Thank you to all those who can give advice and kicks up the arse politely. I maintain vileness is not required. Is this how you would speak to your friends when they ask for advice, I am guessing not, the anonymity of the internet makes you think this is ok. When you spout like a sewer no one's going to look for any wise words of gold - so IF your primary reason for posting is indeed to help then be wise with your words as you (say you are) with your advice.

Anyway, that is not the debate on this thread.

PP, legal advice is a good idea, and no I am not a lawyer, i wish!. As i am also to blame for being an enabler for so long, i do want talk it out with him armed with some of the sage advice i have received here. I will then get legal advice on where i stand financially. His reaction and response and actual subsequent changes will tell me whether he is using me or not. Once again, thank you!

OP posts:
SharonasCorona · 31/03/2020 21:52

OP, I haven't been on this thread for a while, but please don't be put off from coming back to this thread and updating us. I think the vast majority just want to be supportive.

SMaCM · 31/03/2020 22:01

OP I don't even support my own daughter at uni. She has a maintenance loan that pays for her accommodation and food. If she needs more money she works.

yesterdaystotalsteps123 · 31/03/2020 22:20

Just be aware. I had a similar husband. He loved to talk it out. Promises, future faking and manipulation. Look at his actions. Your dh is happy to sponge off you. That's just wrong. Would you subsidise a good friend you loved for 3 years? No because a good friend wouldn't ask and wouldn't let you. He's not being your friend

GilbertMarkham · 31/03/2020 22:28

Op some people definitely use the anonymous platform to be rude, patronising etc.

However it is also the case that some people, perhaps rightly think, that if they aren't harsh, blunt etc. - their message don't get through. They're trying to shock you into realisation.

The other thing is that some people are genuinely angry and very frustrated on your behalf and express it that way.

In general, posters who post a lot for years on here and see s lot of frustrating, unfair and abusive situations - also inevitably become more and more blunt and short in their responses.

GilbertMarkham · 31/03/2020 22:29

*won't get through

wonderrotunda · 31/03/2020 22:42

Please consider also that his children are being enabled too...surely a good lesson to learn is how to budget and manage the student loan. Some may need to supplement it with a job but that’s okay!

I0NA · 31/03/2020 22:54

I don’t see any problem with his ex, she’s not getting the money, his kids are. She also has the children living with her all the time they are not at uni - that’s 22 - 28 weeks a year ( and even more this year). Teenagers are expensive to feed, clothe and entertain.

It’s entirely reasonable that he supports his children through university - the student loans are calculated on the basis of parents’ earnings.

The only thing that’s unreasonable is that he’s doing all this with your money. Which, as I understand it, you agreed to for 6 months but you have gone on doing it for three years.

I think your anger at his kids and their mother is entirely misplaced. You should be angry at him for taking advantage of your good intentions. And angry at yourself for letting this go for for an extra 2.5 years.

It’s up to you if you try to recover the money you have poured into his business start up. I suspect you will lose it all - these ventures are notoriously risky. If you are smart enough to be a high earner then you knew this.

Even if his business was successful it’s still very hard to get your investment out, unless you have a buyer. I’m assuming that you have shares in his company ?

I think, like many of us do, you have made risky decisions for love and you now regret it. But that was your choice - it doesn’t seem as if he’s been dishonest in any way.

Some people might think it was irresponsible of him to fail to earn enough to provide for his children and I’d agree with them. But again you agreed to his plans and you must have known that very few businesses make a lot of money in 6 months.

Of course you are absolutely entitled to now draw a line under it and give him notice that you will be stopping your subsidy to his business in x months. I suspect there will be fall out and that will tell you a lot about what kind of man he is.

I hope you can both work this out.

thefourgp · 31/03/2020 23:09

Good luck discussing this with your DH. I suspect you’ll hear a lot more false promises but at least you’re starting to realise something has to change and you’re brave enough to discuss this openly with him. Please don’t let him fob you off or feel guilty if he gets angry with you. People who know they’re in the wrong often deflect by getting angry with the other person and hope this diversion will make the other person shut up and put up with their nonsense. You shouldn’t need to buy his love. X

TheMotherofAllDilemmas · 31/03/2020 23:15

I don’t see any problem with his ex, she’s not getting the money, his kids are.

OP is paying the mortgage of the house occupied by DH’s ex, the kids no longer live there. Doesn’t that mean that OP to pay for another woman’s mortgage?

I agree however that the problem is the husband who doesn’t see any problem on having OP paying for him, his ex wives and his kids in th Ed long term.