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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

Finances

184 replies

Novemberrain77 · 21/04/2020 12:45

My husband and I why have been going to marriage guidance. In the last session we had before lockdown happened. He told us we had to be honest about our finances. because I don't work so I rely on tax credits and child benefit for 5 children. I don't get anything for the baby who is 2 next year because I had her after April 2017. I get no child maintenance for my older two from their dad either however I do get the tax credits for all four children but not my fifth. My husband is self-employed so it changes every year what we get. All he gives me is housekeep for food. He does pay the mortgage and all the bills etc. and I do a little bit of work from home but he doesn't really like me doing that because he says I need to concentrate on the house but I do juggle the both and I said he helped would have tidy house and more money coming in and and if I could do it it often then we would get more in tax credits also with my wage coming in but at the moment all I can do is sell on eBay. So I've had to put a stop to this also. The marriage guidance man said we need to sit down together to discuss finances because I said when I asked for money for the children's clothes and shoes etc it's like I'm asking for blood out of a stone.And most of the time I do by what the children need haircuts etc and things for the house. But it doesn't go too far because we do have five children that constantly do need things anyone who is apparently no the list is endless.I said if I could just have him not moan at me while I try and do a job from home that was offered to me.I said I just feel that we should have a joint account or something when we have put the money to share. I opened up a bank statement the other day which was addressed to me but I thought I opened my son's bank statement by accident and said oh no it's not for me.my husband took it straight out my hand and said why are you opening it if it's not for you. I said it is for me but they've missed printed and put for the parent of so I thought it wasn't for me. he then said why you open it if it's for me and I said no it's for me I said but obviously you don't want to see your bank statement. I walked off and he started being nice after that. he told me that he wants me to do his accounts at the end of the tax year instead of paying someone else to do it. So I said if I do the books then I need to get a book papers book as I'm not very good on using Excel spreadsheets.so every week on month you need to give me all your receipts and earnings etc.he said no I'll just give you my earnings at the end of the year and I told him that I need to keep on top of every month so that we don't end up owing money or they don't underpay US tax credits. So he's now got funny about this.
am I the only one to think it's unusual that my husband doesn't share anything financially with me and thinks because he pays the mortgage and bills and gives me£120 a week for a family of 7 that I should be ok?

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Novemberrain77 · 25/04/2020 07:34

I sent him a text as cannot discuss Infront of kids and he avoided me all night. So had to text him.he said that the fact I had £330 in my bank account he can't understand why I am moaning.
So I have text him saying that this week after he saw that amount I went to Aldi and spent 50, life insurance 25 my phone payment came out 60 kids the older 2 pocket money 20 my daughter toilet seat 30 top fix one not cheap. Oh and direct debit next catalogue
Plus my car low on diesel and I need to drive it again today because battery, and I have to order baby some new clothes from George today and I spent £30 on fish n chips for us all.
He said im obsessed with wanting to do my own thing for money and just have my own agenda

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Novemberrain77 · 25/04/2020 08:50

He said outrageous I shared a photo of a Spanish soldier ton my Facebook . I did it for a laugh for my friends .
I said well you look at pornhub regular and your brother's bombard you with stuff on WhatsApp. So....

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Onthemaintrunkline · 25/04/2020 08:56

This is the second time I’ve called your husband a tight controlling article and your comments above confirm it. You should not have to list your expenses like you are reporting to the headmaster! You ideally should be discussing income and expenses together. How you change his outdated antiquated ideas of marriage heaven knows, BUT if he won’t cooperate and openly discuss these matters, then you’ve got to decide how long you can live under this Scrooge.

mumto2teenagers · 25/04/2020 09:23

I think you have 2 issues here.

  1. He is secretive about money, to the point you don’t know what money you have as a couple. I think that probably means he either has a lot of money put away, a lot of debt he doesn’t want you to know about, or is spending money on something he wants to keep secret, gambling possibly.

  2. he doesn’t want you to work, this for me would be a much bigger issue.

bobbityboop · 25/04/2020 10:38

I would file for divorce and watch him squirm. You already know you would get 70% of the house and if he has got secret savings then his arse would be twitching.

Get rid, do your job you like from home and don't let this man control your life and choices.

Novemberrain77 · 25/04/2020 10:48

No he has no debt. Very proud of the fact he is. Apart from mortgage he pays. We spoke this morning and he refuses and keeps bringing up how I got to annoyed and not wanting to move truck for cement so he could go on bike read. He went on bike ride cement came next day

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Novemberrain77 · 25/04/2020 10:49

Yes I said find a flat . He said his mate cant believe that I am treating him this way. He bought me a house and a car pays bills and I treat him like this

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Onthemaintrunkline · 25/04/2020 20:42

Mates together aye! Of course he’s going to put himself in the best light to his ‘mate’. Until your husband sees marriage as an equal partnership there is no future here.

Novemberrain77 · 25/04/2020 21:12

Well I am still insisting i see for peace of mind. He said none of my business between him and brothers. I said if only few grand then I can see. I think it's life savings which is good but I don't know about it.

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Healthyandhappy · 25/04/2020 22:03

Hes on a low wage if u get tax credits yet pays all Bill's what's wrong with this?

We both work and share Bill's but my money is mine and his money is
Sil like you however she now has a job delivering pizzas in an evening x

Novemberrain77 · 25/04/2020 22:22

Did I say anything wrong with him paying bills. It's the secrets m it's that he saw all my accounts but i couldn't him.and now he doesn't want to go marriage guidance

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Healthyandhappy · 26/04/2020 16:09

I was speaking with a lady who had a secretive partner and wouldn't show her bank details. Turned out he was seeing prostitutes x

Novemberrain77 · 26/04/2020 18:01

I have seen it now as he had no choice .80 grand.

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Novemberrain77 · 26/04/2020 18:02

No he is always here no prostitute's

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Healthyandhappy · 26/04/2020 18:44

80 grand in his bank.ans your claiming tax credits.? How? And why r u claiming?

Healthyandhappy · 26/04/2020 18:47

I have 2 kids and earn 31 husband 16 we arent able to claim tax credits as threshold is very low
U can only claim child benefit if earn less than 50k a year if he has 80k in savings u shouldn't be claiming anything.

Healthyandhappy · 26/04/2020 18:48

When I say 50k i mean if one person solely earns 50k u cant claim.

BackseatCookers · 26/04/2020 19:13

As others have said if he has that in savings then I believe you are claiming fraudulently as a household?

Someone may know better than me but that's my understanding of the current rules.

If that's picked up then you're going to be much worse off as a household because I think they'll reclaim the overpayments.

Or if it's been knowingly fraudulently claimed then that may be pursued legally I guess.

RedskyAtnight · 26/04/2020 20:06

@adelaya

Only interest from savings is taken into account.

Yes, that's what I said.

Novemberrain77 · 26/04/2020 20:19

Nope inheritance has nothing to do with tax credits

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Novemberrain77 · 26/04/2020 21:09

We are not on universal tax credits. It's his inheritance that he hasn't used yet it's in a non taxable cash isa

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Novemberrain77 · 26/04/2020 21:10

His inheritance is separate form earnings. We know all this m I and inheritance in most and told tax credits and the assured me it was separte as non taxable

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Healthyandhappy · 26/04/2020 21:42

Ok. When u say not on universal tax credits I assume u mean universal credits. Not yet anyways.

Your claiming working / child tax credits and child benefit. I cant claim anything as if u earn more than 20 odd a year u get nothing unless one of your children has a disability the allowance is higher than. Anyways I wouldn't complain I have tax credits and his allowance weekly he pays all Bill's why cant u shop and buy kids clothes out of this money. I after Bill's and shopping have 70 quid a week for diesel and clothing I manage and dont look at husbands bank either xx

Novemberrain77 · 27/04/2020 00:12

I want to work . He works and all on the books and gone through. It's not universal it's straight fwd work and child tax.
We were urged to discuss and be open with finances. I was with him and he wanted to be too. When it was his Turn he turned on me

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Novemberrain77 · 27/04/2020 00:13

It's more than 40 or 50 grand it stops.we get it for 4 of the kids as youngest born after April 2017

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