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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:
Ellie1015 · 12/05/2023 15:31

I would only lend a partner or anyone money if they really needed it eg food shop not a party and they paid me back.

Yanbu, do not feel guilty. He could make 50 work for a night out if he wanted. Even if he can't it isn't your problem to solve.

EllandRd · 12/05/2023 15:32

mumandahalf87 · 12/05/2023 14:19

I'm off to put my children up for adoption now because they are apparently starved, deprived of essentials, will never have more than 2 holidays a year that I budget for etc. Didn't realise you could have such an insight into someone's life off a few paragraphs.

Aim your anger towards the dick your being used by OP, you came on here doubting yourself because you knew he was taking the piss, you certainly have made massive steps forward so keep going.

Dartmoorcheffy · 12/05/2023 15:33

I haven't seen anyone being cruel here. Every single poster is on your side. All they are saying is that instead of giving your hard earned cash to this waste of space who has no intention of paying you back, you could use it on extra treats for yourself and the kids. Nobody is even thinking they are deprived, you sound like a fantastic mum.

AmandaHoldensLips · 12/05/2023 15:34

Tell him you'll only consider lending him money once he has paid back every penny he's borrowed from you before.

In the highly unlikely event that he pays that back, next time he asks to borrow from you, say NO.

Cheeky fucker. I hate men like that.

Fupoffyagrasshole · 12/05/2023 15:35

omg this guy sounds awful!! i hope you leave him x

OrbandSpectacle · 12/05/2023 15:35

This scenario is very common, OP, from whence the term cocklodger was born. Greedy, chancer man leeching from lonely single mothers is a very old tale.

Honeyroar · 12/05/2023 15:36

It sounds like you’re doing a fabulous job as a single mother and have just met another dodgy bloke. Although he’s not physically abusive like your ex, he is not as gentle and caring as you think. He’s deprived his ex and his children of money, now he’s taking your family’s money (and I under what you’re saying when you say your children haven’t suffered even though you gave him the money, but all people mean is that money he took to spend on himself alone could have been spent on something for you guys, who deserve it more than him..). It’s great that you have recognised what’s happening and have stopped lending him money. Next step is you dumping him because you realise that you deserve better. You deserve someone that takes you on dates, shows you off at parties etc. And spoils you now and again with their own money.

TiaraBoo · 12/05/2023 15:38

I would remind him that he owes you money before he gets a chance to put on his sad face.
(and if necessary tell him your children need this money before they get shipped of to social services 😉)

Folklore9074 · 12/05/2023 15:42

OP you sound lovely and also like you've had a hard time in the past with partners. I think you should stick to your guns on this. It's not right that he's always borrowing and never paying back. Let him put on his sad face all he wants, you've got kids to think of and really who cares if he's only got £50 to go out with. Hope you get the support that you need from this post.

Travelfan2021 · 12/05/2023 15:44

This reply has been withdrawn

Removed at poster's request due to privacy concerns.

tailinthejam · 12/05/2023 15:52

My previous partner was physically violent

And this one is going down the road of beingmanipulative and financially abusive. He's a low-life sponger. Who takes money out of the mouths of children? Dump him asap before he starts deciding that his life would be far more convenient if he just lived at your place.

Manichean · 12/05/2023 15:57

You sound like a lovely person and this greedy bloke has been taking advantage.
Ask him to pay back the money he owes you and if he refuses it will tell you all you need to know. I would guess from his borrowing from a single mum and from the way he had treated his own children that he is not fundamentally a good man. If you stay together be very wary of him moving in with you (his flat suddenly being sold). He has the potential to be a cockloging toad squatting in your home and devouring your resources.

WoahLivingOnABear · 12/05/2023 15:59

Are you sure he earns 35k a year? You say he has a child, so I assume 1? For his payments to be £400 a month the cms calculator suggests a salary of £40k and that he has the said child for no overnights ever.
So either his payments aren't the £400 he wants you to believe, or his salary is higher or something else is at play here?

Either way, it sounds like you've made the decision to bin him which from what you've said is totally the correct choice.

Tinkerbyebye · 12/05/2023 16:05

You are definitely not being selfish. You and your kids come first. If he can’t budget then that’s his problem, although you could perhaps offer to help him set his budget so he knows what surplus cash he has

next time he asks for money be honest , sorry I have already lent you £xx which you have not paid back, I can’t afford to lend you any more

Naunet · 12/05/2023 16:05

Op, why do you think it’s a single mothers job to give away money to a boyfriend just because he wants it? Would you seriously tell a friend she was selfish for not doing that? If not, then treat yourself with the same kindness. How much money has he given you? Zero? Does that make him selfish? I bet you’d say no.

I mean this kindly, get back to therapy. The fact that you even had to ask this, and felt you were being selfish, is honestly a little shocking. Start focusing more on what value a man can bring to your life, what can he offer and add rather than what you can give him.

sewerrat · 12/05/2023 16:08

silly question get rid he's probably using the money you give him for taking another woman for dinners

Naunet · 12/05/2023 16:11

Tinkerbyebye · 12/05/2023 16:05

You are definitely not being selfish. You and your kids come first. If he can’t budget then that’s his problem, although you could perhaps offer to help him set his budget so he knows what surplus cash he has

next time he asks for money be honest , sorry I have already lent you £xx which you have not paid back, I can’t afford to lend you any more

next time he asks for money be honest ,sorry I have already lent you £xx which you have not paid back, I can’t afford to lend you any more

I’d personally amend this to:

sorry I have already lent you £xx, when exactly are you paying me back?

sewerrat · 12/05/2023 16:12

tell him you need him to start paying you back or you'll be sending bailiffs round

Hairpinleg · 12/05/2023 16:37

OP, you've done well to realise he was taking advantage of you and to put a stop to it. Making you always pay when you go out and taking money from you, it's outrageous.

I wonder why he's always so short, it could be drugs or he just likes to treat himself at others' expense.

MrsCarson · 12/05/2023 16:41

Wait till you know he's been paid and ask for some money. I bet he'll have some excuse why he can't give you anything.
He won't get any better, he's a user and you sound too nice and trusting. Dump his sorry arse.

Theeaglesoared · 12/05/2023 16:51

There is no way I could be sexually attracted to a man who kept asking to borrow money. How these men get partners in the first place defeats me.

You sound great OP. Don't put up with this. You can do so much better.

strawberry2017 · 12/05/2023 16:54

None of this is you, it's him.
He needs to sort his shit out and not ask you for money.
£50 is more then enough for night out.

You should be proud of all you have achieved by yourself. It's not easy to be a single mum and work as well.x

MrsMoastyToasty · 12/05/2023 16:54

Next time he asks you to lend him money say something like "Actually, I'm a bit short myself after loaning you money last month and I can do with it back". His response will tell you everything that you need to know.

TheShellBeach · 12/05/2023 16:54

OP I guarantee that everyone on this thread is on your side.

BurntOutGirl · 12/05/2023 16:55

mumandahalf87 · 12/05/2023 14:19

I'm off to put my children up for adoption now because they are apparently starved, deprived of essentials, will never have more than 2 holidays a year that I budget for etc. Didn't realise you could have such an insight into someone's life off a few paragraphs.

Don't be so dramatic and defensive. The PP are just pointing out the facts.. and your reaction is because you know they are right.

He is a loser and you need to get rid