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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:
Lillyrosemay · 12/05/2023 16:55

That would give me the ick. Does it not you? He’s skint and is whinging he’s only got 50 quid to go to a party and would take it off a single mum on benefits. Fucking hell. And you never go out. But he’s enough to go out with his mates. And he’s clearly spending a lot on himself each month, but not on dating you. He isn’t your partner.

WitchDancer · 12/05/2023 16:57

To give him the benefit of the doubt, I would think he was pants at budgeting and offer to help him with this. His reaction would tell you an awful lot.

I would also be totting up how much you've lent him and asking for it back.

I hope he's just bad with money and not a user!

Codlingmoths · 12/05/2023 16:59

Imagine being a man who hasn’t bothered paying for his children in the past and also wants to scum off a lovely single mum who gets no maintenance for her two children so does it all on her own. The incredible entitledness of some people. I’d call him say I’m skint and you owe me money, can you pay it back please?

This isn’t even considering that he decided you aren’t fun enough to go to a party with but maybe you can lend pathetic mcsadface some extra ££ so he can have a decent night. Which can obviously only be without you since otherwise you’d be invited!!

mumandahalf87 · 12/05/2023 17:05

He was only paying £200, because his ex had committed a lot of fraud by using his details in the past, and he has had to pay much of it back because he didn't wish to press charges against the mother of his child.

He still pays a loan off that she took out of £380p/m, as well as maintenance and buys clothes for LO each month. Please when commenting, don't assume you know everything. Regardless of him skivying off me for money, I will always speak where is fair. He does more than his fair share for a woman who has done vile, despicable things. Outside of the relationship with his child. However, that is not my business to stick out there. Thank you.

OP posts:
notteallyme · 12/05/2023 17:10

@mumandahalf87 please don't see this as an attack. DH and I have been lied to horribly where it comes to money by his brother giving us stories which DH believed and lost a lot of money in loans to him. Anyway I am more sceptical as a result and wonder if you only have his word about the fraud his ex has undertaken? If he's earning more than you and is bad with money now then maybe it was him who was bad with money then?

Hairpinleg · 12/05/2023 17:12

Are you totally sure it was the ex who ran up all the debts? It's possible that could just be a convenient explanation for his own overspending and loans. Remember his aim is to extract as much money from you as possible and he'll say whatever makes you more likely to give it to him.

Tiddlypomtiddlypom · 12/05/2023 17:13

I’m worried you’re defending him now.

mumandahalf87 · 12/05/2023 17:16

I really do not want to delve into the topic with his ex, as there is so much there that has caused problems. I am certain of the facts, thanks for the concern.

Please remember I live this life so see what goes on. While we like to think women are rarely in the wrong, there's actually many out there who are just as abusive and dangerous. My car sustained massive damage because of this woman. She is not a nice person.

OP posts:
MacarenaMacarena · 12/05/2023 17:17

Next time he hints at wanting money, say clearly that you don't have spare budget to fund his nights out with friends, but you'd be happy to sit down with him for an hour to teach him how to budget. Then he might be able to pay his way on dates with you!
If he's not willing to learn to manage his great income and take a bit of responsibility, he's not much of a partner.

mumandahalf87 · 12/05/2023 17:18

@Tiddlypomtiddlypom

You can tell the truth about someone. People don't just do all good and all bad all of the time.

I wouldn't sit here and lie. What would be the point in that.

OP posts:
mumandahalf87 · 12/05/2023 17:18

@MacarenaMacarena

I love this! Thank you.

OP posts:
Naunet · 12/05/2023 17:20

mumandahalf87 · 12/05/2023 17:05

He was only paying £200, because his ex had committed a lot of fraud by using his details in the past, and he has had to pay much of it back because he didn't wish to press charges against the mother of his child.

He still pays a loan off that she took out of £380p/m, as well as maintenance and buys clothes for LO each month. Please when commenting, don't assume you know everything. Regardless of him skivying off me for money, I will always speak where is fair. He does more than his fair share for a woman who has done vile, despicable things. Outside of the relationship with his child. However, that is not my business to stick out there. Thank you.

Course he does 🙄
You really believe that when he’s the one constantly taking money from you? Easier to believe it’s all the exs fault though…

monsteramunch · 12/05/2023 17:20

I think as you've got kids, being with a man who is financially cheeky like this one and brings drama to your life to the point you've had property damaged, should be a non starter. His ex is abusive and dangerous, a toxic presence in your life only there because of him.

You deserve a calm, happy life and a partner who truly believes in being part of a team with you, not one who is happy to let you sub them.

I would cut ties with this one and move on personally - you've been through a lot and deserve more than this Flowers

Peridot1 · 12/05/2023 17:20

Well I’m glad you are seeing that of course you are not being selfish to not lend him any more money.

He is the one that is selfish. Even asking you to lend him money. And then not paying you back. And hinting for more like a spoilt teenager.

Naunet · 12/05/2023 17:21

mumandahalf87 · 12/05/2023 17:16

I really do not want to delve into the topic with his ex, as there is so much there that has caused problems. I am certain of the facts, thanks for the concern.

Please remember I live this life so see what goes on. While we like to think women are rarely in the wrong, there's actually many out there who are just as abusive and dangerous. My car sustained massive damage because of this woman. She is not a nice person.

She is not a nice person

NEITHER IS HE

mumandahalf87 · 12/05/2023 17:24

Ok I know this woman personally. In real life. I have dealt with her in the flesh.

OP posts:
Naunet · 12/05/2023 17:24

mumandahalf87 · 12/05/2023 17:24

Ok I know this woman personally. In real life. I have dealt with her in the flesh.

Makes no difference, it’s no excuse for how he’s treating YOU.

mumandahalf87 · 12/05/2023 17:26

@Naunet

Hi you clearly wish to have my attention so now you have it. Hope you're having a great day.

OP posts:
mumandahalf87 · 12/05/2023 17:26

@monsteramunch

Thank you 🙏🏼

OP posts:
mumandahalf87 · 12/05/2023 17:28

Once again thank you to those who have been wonderful on this post.

I'm off to feed the kids now. SS said to call back with their bin bags on Monday.

Gratitude 🙏🏼

OP posts:
pinkyredrose · 12/05/2023 17:30

OP ask him for all money back that you've leant him.

Why hasn't he paid you back anyway? Has he mentioned the loans at all?

He's a disgusting freeloader.

Naunet · 12/05/2023 17:30

mumandahalf87 · 12/05/2023 17:26

@Naunet

Hi you clearly wish to have my attention so now you have it. Hope you're having a great day.

Seriously?! I don’t know why you’re so defensive on here. I don’t care about getting your attention, I don’t even care if you stay with this prick and keep funding him, knock yourself out if you want, I was simply trying to help.

AbsolutePixels · 12/05/2023 17:33

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

It's not OP's job to help a grown man manage his finances, she's got enough on her plate. He doesn't deserve OP's free labour on top of the money he's already had. Anyway, there are plenty of free resources available if he wants to learn, but presumably he's happy with his current strategy of exploiting vulnerable women. It sounds like it's worked well for him this far.

And there shouldn't be a 'next time'. If I was OP, I'd ghost him. He's shown utter contempt for OP and her kids. Unfortunately, I think the money needs to be written off as a valuable lesson learned. It's unlikely OP will ever see a penny of it again.

TheShellBeach · 12/05/2023 17:34

You're being ridiculous now.

mildlydispeptic · 12/05/2023 17:39

OP, I think the point a lot of people are making relates to your self doubt problem.

The fact that you are a good and responsible mother is the reason you should trust your instincts.

Yes, of course you're providing for your kids, nobody's suggesting otherwise. If you don't want to be giving this bloke money, you are justified because a) he is a CF but also b) your priority is to ensure your family's financial stability and clearly you are doing that.

I think a lot of women on here have made the mental journey that it was ok to be used as a doormat when it was just them, but once they had kids they grew a steel backbone and felt able to say "no more". Motherhood is often the antidote to self doubt.

So nobody's saying you're a bad mum, they're just saying you have more than one reason to say no to him.