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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

Being insecure with my boyfriend (financial issue)

45 replies

wendymardy · 03/07/2022 14:18

I've been in a relationship with my boyfriend for 5 years, didn't plan to get married yet but we are comfortable with our current zone. We have a good chemistry, we love each other, and always have fun together but not when it comes to money as we always argue when talking about it. We both are working but I earn more than him.

I am very strict when it comes to financial and very sensitive when someone's asking for a help in form of money as I had bad experiences with it. I got cheated multiple times when I tried to help.

Back to my boyfriend, the first year of our relationship, he helped me a lot when I was short of money but he also complaint a lot. On our 2nd year of relationship, that was when I started having a stable job with stable economy, so I was paying off what I owed him slowly. But years ahead, when all my debt cleared, he was still asking money from me, borrowing actually, but never pay me back. At first I was fine with it as I always felt in debt since he helped me a lot when I was having a financial crisis although I had it all cleared out. One day, he asked for my help to make a loan from the bank but under my name as he was not eligible to apply for a personal loan. And it was for his mom. Since it was a big amount and I was aware of the risk so I didn't help him. But in the end I still did it for him after he asked multiple times (asking in different years). I did tell him that I won't help him to pay any cent of the loan and he agreed with it. No black and white.

Years passed by, my financial gotten better and better (he knew it) and every time when I was with him, my money would become his. Paying food and goods using mine. So I felt very unfair and did talk about it to him. I told him I helped him enough already and asked him to manage his financial as it was affecting mine too much. He actually did listen to me and only borrow when he really need it. But still there were times when he didn't pay back which got me still upset about him. But of all those, what I upset the most is the loan and it made us argue every time when talking about it. It was because he didn't pay as he promised, always paid late, not being able to pay for few months, and I had to clear up for him. I even helped him pay like 5% of the installment to lighten the burden. Everything is not as what we agreed. Recently we argued again because of it and I ended up asking him to apply a personal loan under his name as he is now qualified, to clear up all the outstanding amount so he will have to still continue paying from his side without involving me.

Honestly, idk how he felt and see it but from my perspective, he was angry. He said, "It's not that I don't pay. Just a small amount short and you went bla bla bla". I mean it doesn't make sense to me. Since it was a small amount so I can pardon him and ignore? Even the bank will ask for that small amount so why can't I? I don't know anymore. Am I too obsessed with money? Am I the wrong here?

I really want to save my relationship but when it comes to this, I really can't imagine how our marriage life would be like.

OP posts:
notapizzaeater · 03/07/2022 14:23

Has he paid the loan off with his loan ? He's financially abusing you

Fluffycloudland77 · 03/07/2022 14:24

Salvage what relationship? He’s abusing you in plain sight. You’re his cash cow.

Misstes · 03/07/2022 14:28

You need to get out of the relationship not save it. He is taking advantage of you. Have you got a formal written agreement about him paying back the loan incase he ever stops paying it?

wendymardy · 03/07/2022 14:30

notapizzaeater · 03/07/2022 14:23

Has he paid the loan off with his loan ? He's financially abusing you

Not yet. Few days ago, he was asking how much is the payoff amount but probably still need a week or a month to actually prepare the money. Should I cut my relationship with him after he paid off ☹?

OP posts:
wendymardy · 03/07/2022 14:32

Misstes · 03/07/2022 14:28

You need to get out of the relationship not save it. He is taking advantage of you. Have you got a formal written agreement about him paying back the loan incase he ever stops paying it?

No we don't have it. Just a promise by words.

OP posts:
SafeHeaven · 03/07/2022 14:36

How much does he owe you?

TibetanTerrah · 03/07/2022 14:37

wendymardy · 03/07/2022 14:30

Not yet. Few days ago, he was asking how much is the payoff amount but probably still need a week or a month to actually prepare the money. Should I cut my relationship with him after he paid off ☹?

Sorry but yes, as hard as it is. I too have been financially used and abused in relationships and what you have to realise is he doesn't see you as a person anymore. He sees you as a bank, free money, something to be used. I'm sorry but if you went broke overnight he would dump you. I'm 100% sure of it because you would be if no use to him anymore.

TibetanTerrah · 03/07/2022 14:38

wendymardy · 03/07/2022 14:30

Not yet. Few days ago, he was asking how much is the payoff amount but probably still need a week or a month to actually prepare the money. Should I cut my relationship with him after he paid off ☹?

Sorry but yes, as hard as it is. I too have been financially used and abused in relationships and what you have to realise is he doesn't see you as a person anymore. He sees you as a bank, free money, something to be used. I'm sorry but if you went broke overnight he would dump you. I'm 100% sure of it because you would be if no use to him anymore.

wendymardy · 03/07/2022 14:51

TibetanTerrah · 03/07/2022 14:38

Sorry but yes, as hard as it is. I too have been financially used and abused in relationships and what you have to realise is he doesn't see you as a person anymore. He sees you as a bank, free money, something to be used. I'm sorry but if you went broke overnight he would dump you. I'm 100% sure of it because you would be if no use to him anymore.

Actually he did pay me the few months amount he was not able to pay but not the full amount as when we were arguing that time, he told me that he was trying his best and really was not financially stable yet around that time. So I told him I will help him pay some for the rest installment as I felt like I was forcing too much when he might actually really want to pay it but like later on. I felt so dumb sometimes when thinking about it but his reply always made me feel like a bad money collector which soften my heart.

OP posts:
TibetanTerrah · 03/07/2022 14:59

Yeah so he fed you crumbs to get you to stay, paid sporadically. If he just flat refused to pay anything at all it would be too obvious and you'd leave. Don't believe a word he says.

TibetanTerrah · 03/07/2022 15:00

And wait. Are you saying he suddenly came up with some money when you argued? Miraculous that.

Isonthecase · 03/07/2022 15:03

I think you need to get him to say in writing that he owes you the money, pay off the loan, and claim back from him through small claims court. Probably worth legal advice to make sure you have enough documentation but I've heard that even a text acknowledging loan and amount can be enough.

fallfallfall · 03/07/2022 15:11

You need to sit down and understand his outgoings. Why is he not able to make ends meet on a regular basis?

HollowTalk · 03/07/2022 15:37

I would stay with him until every penny was paid back and then I would tell him to go. I couldn't stand living like that. As a previous post sad, he just sees you as a bank rather than as a person. Time for him to go.

Quartz2208 · 03/07/2022 16:27

So when you borrowed he complained until you paid him back

When he borrows he doesnt and gets angry when you mention it

He also seems to continue asking until you give in - is that just in terms of finances.

Get the money and run

BadNomad · 03/07/2022 16:28

Few days ago, he was asking how much is the payoff amount but probably still need a week or a month to actually prepare the money.

It takes no time at all. Apply online, get approved, sign the docs online or by paper, receive the money. There is no excuse or needing a week/month. Get your money back from him, then cut him loose.

Bollindger · 03/07/2022 16:32

How much is left to pay?

AdoraBell · 03/07/2022 16:36

He is using you and financial abusing you. Get your money back, get rid of him. There is no real relationship to salvage here.

wellhelloitsme · 03/07/2022 16:36

Oh OP 😞

How much does he still owe you?

wendymardy · 03/07/2022 16:55

fallfallfall · 03/07/2022 15:11

You need to sit down and understand his outgoings. Why is he not able to make ends meet on a regular basis?

He lost his financial resources after they closed down their family businessas. His mom went back to her country (only his mom is the foreigner in their family). He said he gave all of his money to his mom so he got nothing. Ended up I was the one who supported him financially until he got a job. Although he got good earnings, he was still unable to pay the installment and when I asked him it was because he gave money to his mom like half of his earning. Well I can totally understand that he was trying to help his mom but seriously, he was not thinking from my perspective.

OP posts:
wendymardy · 03/07/2022 16:58

Bollindger · 03/07/2022 16:32

How much is left to pay?

Still have about 36k something

OP posts:
wendymardy · 03/07/2022 17:02

TibetanTerrah · 03/07/2022 15:00

And wait. Are you saying he suddenly came up with some money when you argued? Miraculous that.

He was paying off slowly. Not a one shot pay as he just got his new job at that time.

OP posts:
Herejustforthisone · 03/07/2022 17:06

Don’t bother to save this relationship.

He’s a money-grasping cunt and he’s treating you like shit.

wendymardy · 03/07/2022 17:12

@Isonthecase I kept the screenshots of our old WhatsApp conversation regarding the loan just to be safe actually. I was thinking of telling his family first if anything happened and he was the one who asked me to do so. If things can't be settled then maybe only I go for the court case. He was being rational here but his actions sometimes really getting in my nerves as if I was the one who owed him money.

OP posts:
notapizzaeater · 03/07/2022 21:00

36k ouch ! Will he be able to raise that amount ?

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