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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

Am I selfish? Boyf borrowing money

233 replies

mumandahalf87 · 12/05/2023 13:47

I've been with my partner for a little over a year. It's been a bit bumpy due to his ex causing trouble, and I was unsure if I wanted to fully commit and get involved with it all at first. However, time ticks on and here we are. He has always been respectful of me as a person and so I have stuck with it.

We live separately, I have two children who live full time and solely with me. I'm a working mum, receiving top up UC and no maintenance. I work 32 hours a week around my youngest child, as I have no family who offer help. My partner lives alone, earns nearly £35k a year, has no children living with him full time (but does pay maintenance for his child), and is always broke, hinting to borrow money, or asking directly to.

In the past 12 months I have borrowed him money, not having any of it back so have since stopped, as I simply cannot afford it. I work to provide a life for my children over anything or anyone else, including myself. With the current climate I have seen an increase in my cost of living, as well as my youngest child who literally eats every single thing in the house.

His bills are low, he lives in an apartment that costs £450 a month. Bills are quarterly, and he uses his works car as and when he needs one, so no costs there. He is paying off two loans which I'm aware of, and so I don't mind helping him out with shopping as and when I can afford it. My living costs are more than his in the sense of housing costs and having two dependents however.

I have begun ignoring the hints for money, as he was getting far too comfortable I feel, asking to borrow a couple of times a month. He now hints but has stopped asking directly, as he knows he's never paid me back. He has only just begun paying maintenance through CSA, and is paying almost £400 a month. He used to pay £200 directly to his ex previously, so I understand this has had a knock on effect to his circumstances.

I have helped him previously as much as I can, and have been left a little short myself as the result. He has never once offered to pay me back, or been able to help me out. I have accepted this, as in most other ways he is lovely with me; gentle, well mannered and affectionate. I am starting to feel however, that it's all very one sided and he uses me when he is broke. He hardly ever takes me anywhere, if we go out I pay 9/10 times. I have now stopped this and we stay in his.

I've been single a long time previously to this relationship, and am questioning myself if I am being selfish and silly, as he is my partner and it's supposed to be a partnership, or if I'm being taken up the garden path by a man who knows my circumstances and chooses to make me feel a bit shit for not always offering to fund his lifestyle.

He rang me this afternoon hinting for money to go to a birthday party he asked me to attend with him, but has since stopped mentioning me attending and is going with friends. He sounded really sad and down in the dumps on the phone, saying how he only had £50 to go with so he wouldn't be able to stay out long. In the past I'd offer to help, but I stopped myself.

Am I being selfish?

OP posts:
Sarvanga38 · 12/05/2023 13:50

Honestly, if someone else had written this post and you read it, would you not be able to see that the bloke is taking the piss out of you mercilessly, when you're barely in to the relationship? Cut and run now.

WalkingThroughTreacle · 12/05/2023 13:50

Not selfish at all. You'd be a complete mug to keep lending him money that he never pays back.

MrsDanversGlidesAgain · 12/05/2023 13:51

In a word, no. You ARE being taken for a ride by a user, though.

averylongtimeago · 12/05/2023 13:51

No,you are not being selfish!
Chuck this one back OP, or will find you've landed a cocklodger!

Houseupdate · 12/05/2023 13:52

Bin him. He is single, has been happily under paying to his children and has been asking a single mother for money.

Paperbagsaremine · 12/05/2023 13:52

You've got the homo sapiens version of a pet OP, not a partner!

MrsDanversGlidesAgain · 12/05/2023 13:53

His bills are low
He keeps asking for money
He doesn't pay you back
He doesn't take you anywhere and when you do go out you pay
Giving him money leaves you short (see 'he doesn't pay you back')

The only thing that surprises me is that you have to ask if you're being selfish. Do 'gentle and affectionate' make up for the rest?

TheShellBeach · 12/05/2023 13:54

No, he's the selfish one.
Also, he's not a good dad if he's only just started paying child support.
You need to bin him off.
There's no way you should be lending him money. He earns a lot more than you do and you're supporting two children and on UC.
He's definitely the selfish one.

Dacadactyl · 12/05/2023 13:55

I wouldn't like this AT ALL.

You're not being selfish. A man being solvent is pretty much near the top of my list of requirements.

notteallyme · 12/05/2023 13:56

No you have been anything but selfish. He is selfish. Do you have a very low sense of worth? How much have you lost to him leaving you and your kids short? Where else could that money be going to improve you and your kids life now or in the future?

Seas164 · 12/05/2023 13:56

He's been underpaying maintenance for his own children and he will happily take money from you so your children have less.

35k is a take home of around £2.2k a month.

He is vile. Get him away from you.

TheShellBeach · 12/05/2023 13:57

He's obviously really bad with money if he's got all these debts he's paying off.

Namechange666 · 12/05/2023 13:57

Dump this aspiring cocklodger and treat yourself better. In fact, dump him then treat yourself to something nice, you'll have earned it.

He is a loser and a user. You can do better than this. A partnership is supposed to be exactly that.

Peridot1 · 12/05/2023 13:57

Why on Earth are you giving him money that should be going on you and your children?

He is a leech!

mumandahalf87 · 12/05/2023 14:00

My previous partner was physically violent, so in many ways, he is a great deal better. I have received counselling in the past 18 months, as I had a lot to get through from that relationship.

In the past I wouldn't have questioned if I was right in saying no, I'd have blamed myself for not being able to provide more. This is a big step forward for me, as I have been able to identify different aspects.

Self doubt is a way of life for many of us, and this is something I still have battles with. It may seem ridiculous to those who are confident and self assured, but not all of us are unfortunately.

Thank you for being so assertive in your responses. It makes me feel like I'm taking a massive step forward, being able to see what's happening, even if I do need some reassurance currently.

OP posts:
NoSquirrels · 12/05/2023 14:01

a man who knows my circumstances and chooses to make me feel a bit shit for not always offering to fund his lifestyle

You nailed it.

Poor diddums, only £50 to spend on a night out? However will he cope?

He’s no good for you, OP. His ex was ‘causing trouble’ because he’s left her with 2 kids to pay for, and he used to only give her £200. You know how much they cost, you’re a single mum. Don’t let him take your money from your kids too.

AbsolutePixels · 12/05/2023 14:01

He deprives his own children and then takes money from a hard-up single mum to fund his hedonistic lifestyle. He's a parasitic worm.

mumandahalf87 · 12/05/2023 14:01

@Peridot1 it never comes from the money I budget for my children.

OP posts:
WheelsUp · 12/05/2023 14:02

He was underpaying his ex by 50%. He should be mortified that he was doing this and shows that this is not someone you want to get financially tied to long term. He's only paying CM because he has to.

It's worrying that you are considering that your actions might have been unreasonable. He should pay you back and is using you financially if he's got the gall to make hints and you giving him money.

He is not long term material. If you stick with him, your kids would lose out.

MrsDanversGlidesAgain · 12/05/2023 14:03

OP, he's either mean as arseholes (meaning he'd rather spend you money than his) or he's deliberately leeching off you. Neither of those are attractive traits in anyone.

mumandahalf87 · 12/05/2023 14:03

@NoSquirrels no I won't comment on what his ex has done. It wasn't the maintenance thing though, nor was that implied.

OP posts:
NoSquirrels · 12/05/2023 14:04

I’m glad he treats you better than your last abusive relationship, but you’re right that you can do better. Onwards and upwards. Keep going to the counselling. You’ll know when it’s right. Those nagging voices of doubt won’t be there.

LittleOwl153 · 12/05/2023 14:05

mumandahalf87 · 12/05/2023 14:01

@Peridot1 it never comes from the money I budget for my children.

Every penny he is taking from you is taking money from you and your kids. If you have spare save it for the summer or to help them with uni. What would you otherwise send the money you give him on?

As him to start repaying what you have already loaned him... then you will see his true colour!

Peridot1 · 12/05/2023 14:06

@mumandahalf87 - it might not come from money you budget for their day to day life but it still comes from your money which in turn obviously takes from the available pot for them. Be it for treats or holidays or a cushion for the future.

CockSpadget · 12/05/2023 14:07

You have basically been claiming UC top up, then giving it to him. That’s clearly not what it’s meant for. If you can afford to give it away, then you don’t need it.