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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:
mumandahalf87 · 12/05/2023 14:55

@Fruitygal

I was single for four years previously to this. I don't mind doing another four alone. Thank you.

OP posts:
Crazycrazylady · 12/05/2023 14:56

Honestly op. How do you see your future with this man. It's not better he will get.
You sound like you have your head screwed on money wise. You're simply not compatible with some one with his attitude to money regardless of all the other stuff.

Seas164 · 12/05/2023 14:57

I don't think anyone is trying to sink their teeth into you. Him, absolutely.

The point being that your household has a finite amount of income, with which to raise two children, and you sound like you're doing an amazing job.

He may be gentle, and affectionate, but well mannered and respectful he isn't. You might find if you tell him that you will not lend him any more money, and he currently owes you £xxx next time he hints, that he disappears of his own accord.

He might be an improvement on the last one but he still falls far short of good enough.

Alittlesummeroasis · 12/05/2023 14:58

🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩

jay55 · 12/05/2023 14:59

Tell him your washing machine has broken and you need him to pay you back so you can get a new one.

He'll not be seen for dust.

Turfwars · 12/05/2023 15:00

You sound very financially savvy and he sounds like...well... a waster really!

He still hints in hope, like today, but he doesn't get anything now. I'm due a promotion at work next month. He doesn't know and I don't particularly want him about by then either.

I think you have the measure of him if you are saying this.

Houseplantmad · 12/05/2023 15:00

The day of his next pay check, ask him directly for the money you’ve loaned him. You will soon see his demeanour towards you change.
You sound very together but need to see that this isn’t a healthy relationship and that you deserve much, much better. Take care.

mumandahalf87 · 12/05/2023 15:02

@WoofWoofBeachLife

It is very easy for people to criticise when they have no idea what it is like to come from an abusive background. Makes them feel good to run people down.

I'm sorry for your past suffering, and that there are some shadows still present. I think something from abuse always remains in the present, no matter how safe your next environment is, or how much work you do on yourself.

I'm grateful that people have taken the time to say 'not it's not you, it's him!' That's really helped me. If it had started straight away, I'd have been quick to bin him off, but that hasn't been the case. I also believe in partnership in a relationship, however this has become all one sided in the past 6 months, and has become increasingly apparent as time has gone on.

Not all is lost, I've given it a go and given him a chance. How he has chosen to utilise it is his choice. My next steps will be mine.

OP posts:
TheShellBeach · 12/05/2023 15:04

Good for you OP. You sound like you know what you're doing.

mumandahalf87 · 12/05/2023 15:04

@jay55

I could probably do with a new one.

OP posts:
Shivvy120 · 12/05/2023 15:04

I don’t believe you should be giving him any money. His debts, sadly for him, are his own business and worry, they should never be yours.
You should tell him straight that you feel he’s hinting for money. If he says he isn’t say alright that’s what I thought and outline why. Then tell him you are a mom of 2, not his sugar momma. Tell him straight out you can’t afford to give him anymore money.
Its great he treats you well and not like your ex, but him being better doesn’t make him the best fit either.

Cloud9Super · 12/05/2023 15:06

Good God! Do you really have to ask?! Ghost the CF!

Channellingsophistication · 12/05/2023 15:09

of course, you are NOT (with bells on) being selfish. Your kindness is being taken advantage of. you talk about a partnership but it’s all on your side. You do the giving. What does he do for you?

I think it’s outrageous that he hasn’t paid you back. He shouldn’t be borrowing from you in the first place.

perhaps read back your post, thinking it has been written by one of your dearest friends and then see what you think…..

i hope you get rid of him!

Littlemousesing · 12/05/2023 15:13

mumandahalf87 · 12/05/2023 15:02

@WoofWoofBeachLife

It is very easy for people to criticise when they have no idea what it is like to come from an abusive background. Makes them feel good to run people down.

I'm sorry for your past suffering, and that there are some shadows still present. I think something from abuse always remains in the present, no matter how safe your next environment is, or how much work you do on yourself.

I'm grateful that people have taken the time to say 'not it's not you, it's him!' That's really helped me. If it had started straight away, I'd have been quick to bin him off, but that hasn't been the case. I also believe in partnership in a relationship, however this has become all one sided in the past 6 months, and has become increasingly apparent as time has gone on.

Not all is lost, I've given it a go and given him a chance. How he has chosen to utilise it is his choice. My next steps will be mine.

I think your background is making you see people's posts as criticism when they are not being critical but backing you up.
"It's your money to spend on your family" doesn't mean people,are having a go at you, it means well done you have seen through him.
You are right here and in no way selfish.
Please stop biting at people and talking about SS .
Recognising this is a huge step forward, get rid of him and don't look back.

Cantstandbullshitanymore · 12/05/2023 15:13

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.

In addition OP will be a complete mug to continue this relationship. I understand how she feels given she has been single for so long raising her kids but there has to be better options out there.

I don’t see a future here except OP just makes peace with the fact this is just to have someone to spend time with but not a proper long term relationship where they are blending families etc. Keep kids, finances, home etc separate.

Riverlee · 12/05/2023 15:14

Don’t let him make you feel guilty. His finances are not your responsibility. He’s basically leeching off you. It’s telling that when you wouldn’t lend him money, he dropped you from the party invite.

Travelfan2021 · 12/05/2023 15:17

This reply has been withdrawn

Removed at poster's request due to privacy concerns.

Roussette · 12/05/2023 15:17

You say "I also believe in partnership in a relationship"

I am glad you now know, because this is not a partnership. This is him using you. He is a freeloader.
You need to tell him you're short of money at the moment, (might need a new boiler, new car or whatever) and when is he going to pay back all the money you have lent to him?

Watch his reaction. If he isn't mortified, apologetic and setting out when and how he is going to pay you back... ditch him there and then.

determinedtomakethiswork · 12/05/2023 15:19

I can really see how it happens. You had a horrible relationship and now this guy is nice to you. Of course he didn't start off by asking for money. He made sure you really liked him first. Think of his ex. He has only given her half of what he should've been giving her. His children have lost out on £200 per month. Do you think that worries him? Do you think he ever wondered how she could manage to look after them on £200 per month?

He is obviously terrible with money and I wonder whether he is taking cocaine or something. If he was just going for a drink with friends then £50 tonight would be plenty.

You are obviously great with money and manage to look after your children and have a little bit spare. He is completely taking advantage of that and thinks he has a right to that money. Remember he has never paid a penny back. Remember too that he was under paying his ex? All of his money goes on himself. Now he wants your money to go on himself as well.

After an abusive relationship it's obvious that you will cling to someone who is nice to you. The problem is that this man is only nice because of what he thinks he can get from you. I know it's a horrible thought. However, he is a horrible man.

I know that you say the children are not missing out, but actually that £50 here and there could go into their savings or God forbid it could buy you something nice.

After being with somebody awful, it must be really difficult to treat yourself to something nice. It must be hard to think that you deserve anything. But you do. You really really do deserve the very best in life. You're not going to get any money back from this guy. I think you should dump him immediately.

EllandRd · 12/05/2023 15:19

He taking the piss out of you massively. He earns more than you, so no do not give him any money. Just dump him and find a man who treats you properly.

IncompleteSenten · 12/05/2023 15:19

You're not selfish.
He's taking the piss.
Or trying to.

Next time he hints you should address it directly .

Please stop hinting for money. You haven't paid me back a penny. Don't ask again.

mumandahalf87 · 12/05/2023 15:21

@Littlemousesing I do fully believe people come in this forum in particular, to be cruel and insensitive. People conduct themselves in a completely different manner, as to how they would in the community.

People also pick out bits and twist them. I see it every day on posts on here. I've been on other forums regarding different topics and experienced a completely different outcome.

The problem is people judge instead of support. There is a huge difference. It's a massive deterrent for many and it's sad.

I am grateful to those who have reassured me in my feelings. That is the help and support I needed from this.

OP posts:
Theoscargoesto · 12/05/2023 15:24

Just in case that one extra message is the one you hear: you are NOT being unreasonable.

He is taking the mickey.

Sounds to me that you’ll be ok OP, I love the way you’ve dealt with some of the silly comments. It’s hard sometimes, especially against an abusive background, because things are better with this bloke, and so they seem ok. In reality the totality of the abuse has skewed your view: just because it is better than it was, doesn’t mean that this bloke is more than a sponging chancer.

honeylulu · 12/05/2023 15:30

They also are taught to budget, as I feel this will be needed when they're older. You are right about this though it sounds like your boyfriend needs this lesson too!

Londontoderby · 12/05/2023 15:31

Do you have a boyfriend or a cocklodger?

His using you.