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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

Wealthy MIL asked my husband to pay off their mortgage - even though we are not rich and have a child

45 replies

mumofgirls35 · 18/10/2023 15:19

As some background, we are a couple in our 30s with one young daughter. We don’t have a great deal of financial stability at this point in our lives with how expensive everything is and the unpredictable profits of my husband’s business. I have a reasonable salary but it’s not that high. We don’t yet own a home. Now let’s move on to my MIL… she and her husband are very successful scientists who live in one of the nicest apartments in their town in france. She has very expensive tastes in terms of clothes and restaurants and I can tell she has spent a lot on plastic surgery. They both drive BMWs. No judgment there, they have the right to spend their money exactly as they want, it’s just relevant to what I am about to tell you. She has always pleaded poverty to my husband and talked about how little money they have and until I pointed out how much money they spend he sort of blindly believed it, and felt a duty to ultimately give them a lot of money. He now admits she had been conditioning him to believe this from a young age (he is an only child btw). A year ago, when we had a five month old baby, she took my husband aside while we were staying with them and asked him to contribute 70 thousand euros to their remaining unpaid mortgage, again pleading poverty. My husband wanted to do it. I almost had an emotional breakdown. I also was working in a job I hated at the time, so essentially I would have been funding this. But he didn’t see it this way - it was the first profitable year in his business’s history, and he considered it his right to give them the vast majority of the profit. Fast forward a year, he didn’t do it, he is now on the same page as me and he thinks it was very morally wrong of her to do this and also to condition him in this way, and he has promised me multiple times he would never go behind my back and give them money out of his business - this became my fear after this event. We are now going through a lull and struggling more financially so there is no risk of that now, but despite his reassurances part of me does still fear he might try and do it in the future should we come into more affluent times. I have to live with this trust issue and am trying to work through it, but I just can’t believe he wanted to put her ahead of his baby in this way. We were so far from wealthy when this happened. Is this normal for a mother to behave this way? What do you think about the whole situation? The other side of this which is less important is my relationship with my MIL. She’s been trying to be really nice since this happened and she was rebuffed, but I can’t help but think no matter how nice she is she is a snake who is quite happy to take away from her own grandchild just to have a more lavish lifestyle. I don’t think I'll ever be able to stand the sight of her again.

OP posts:
Walnuthhwip · 18/10/2023 15:24

Your title should be
‘i can’t trust my husband with our money or to prioritise me and our baby’

this isn’t mils fault. She shouldnt have asked, but your husband could’ve just said ‘no’ or ‘of course not’ and the conversation would’ve been over.
Let’s not blame women for everything.
the issue is learning to trust your DHs judgement here, which clearly you can’t because it’s so poor.

Meeting · 18/10/2023 15:33

Do you have joint finances?

mumofgirls35 · 18/10/2023 15:33

Yes

OP posts:
OPTIMUMMY · 18/10/2023 15:41

It sounds like either your MIL is the snake you think she is or she is oblivious and has been led to believe her son’s business is much more successful than it is and genuinely believes herself to be in poverty. If your DH has given money in the past she has probably believed that he could afford to. The important thing is though that he didn’t give them the money and he is now able to see things now more from your point of view.
If you are really concerned that when the business does well again that this will happen then you have several options 1) Always have joint accounts and access and oversight of them. 2) You can’t stop him from spending some of ‘his share’ of the family money on them but make sure that it is only part of ‘his share’. 3) Deal with MIL directly, make it absolutely clear what your circumstances and position are. I think you should both have a clear plan for your own finances and buying your own property once he is invested in that then surely there won’t be the opportunity to pay off his mothers’ mortgage as he will have his own?

Aquamarine1029 · 18/10/2023 15:45

You have big, big problems.

The first thing I would do is make it crystal clear that if he ever gives money to his parents again, you're divorcing him. Full stop.

Frasers · 18/10/2023 15:48

I also think you have a husband issue and not a mil issue. I mean seriously saying he’s been brain washed and isn’t in charge of his faculties? She asked, he can say no, he chose not to initially and you still think he might. That’s on him. Not her.

HowAmYa · 18/10/2023 15:49

Did they invest in his business or something? Otherwise I can't believe he would genuinely consider paying 70k when you have yet to buy your own home?

rookiemere · 18/10/2023 15:53

Some of these responses are odd.

Of course she shouldn't have asked. The only kind interpretation is perhaps she thought DHs business was a lot more successful than it actually is.

Obviously don't give her any money, I'd also make a point of talking about how you'd like to spend more time with your DC but you can't because you have to work.

frazzledasarock · 18/10/2023 15:54

Have a joint account where you contribute equally to bills. Do not trust him with your hard earned money as he’s happy to give it to his mother when you’re not finically stable yourselves.

Think you should be saving for a future without your husbands financial input.

Whatwillnye · 18/10/2023 15:55

I have in-laws that are quite similar. Infact one of the first 'important' things they told me regularly when we first met was how poverty stricken they were whilst my partner grew up (surrounded by photographs of them with their very expensive cars and other materialistic possessions).

Imagine your husband growing up with the adult responsibility of finances looming over his head? Worrying that they are unable to afford basics and therefore unlikely to ask for fun/childish opportunities.

This has a dramatic impact on a child's psychie in my opinion. Not feeling financially safe and constantly believing they need to financially care for their mum and dad.

I would probably continue to point out comparisons in what most people their age/where they live can afford. Perhaps show him the cost of fuel for the lavish cars they have and ask what he would expect someone unable to finance their own property should be driving.

Or suggest they sell their property/downsize their lifestyle until they can afford their day-to-day living etc reminding him that leave and cleave really means his mum and dad should be trusted to manage their own finances or consider whether they lack capacity and need another adult in France such as the local authority to take over.

Twobigbabies · 18/10/2023 15:56

Your MIL sounds like a narcissistic monster! I disagree with earlier poster blaming it all on your Husband. Look up mother enmeshed sons there are a lot of them about. Buy a book about it and read it yourself then offer it to him. Sounds like he recognises what she asked for was wrong which is a start but you're right she could snake her way back. He probably needs therapy so he can break free from her. Thank goodness she lives in France.

bombastix · 18/10/2023 15:58

No do not trust her and keep a tight eye on your finances from now on.

Champagne taste and beer budget it seems.

MillieVonPinkle · 18/10/2023 16:00

this isn’t mils fault. She shouldnt have asked, but your husband could’ve just said ‘no’ or ‘of course not’ and the conversation would’ve been over. Let’s not blame women for everything

This is not a misogyny issue 😂

The MIL IS to blame for her ridiculous, cf, selfish, overstepping and downright awful request. She's to blame for her actions because she's a twat, not because she's a woman.

Redwinestillfine · 18/10/2023 16:04

She may well have no money left if she's blowing it on fancy cars holidays and plastic surgery. That's not your problem however. She should have managed it better.

Dweetfidilove · 18/10/2023 16:05

Different culture?

Were you aware he felt a financial responsibility for his parents before you married?

Did they invest in the business?

HanSB · 18/10/2023 16:08

Your husband needs to stand up to her. Ask her why she thinks you would pay her mortgage off when you cannot afford to buy a home for your family yet. She is insane.

OhComeOnFFS · 18/10/2023 16:24

Why on earth would they think he should pay their mortgage when he hasn't even got his own house?

mumofgirls35 · 18/10/2023 16:24

Hi all, thanks so much for your responses. To be clear, there was no investment from their side in our life or in his business, excpet for 5k contributed to our wedding (which obviously I appeciate but does not justify asking for money in return IMO as it was presented as a gift, and it's dwarfed by the amount she asked for in any case). He was made to feel it was his responsibility to give money to them from a very young age. She's always talking about his very wealthy cousin in our presence, who bought his mother (her sister) a very lavish property. Presumably a continuation of the guilt tripping. The dad is very quiet and a bit downtrodden. He doesn't say very much and she talks all the time. He told my husband he has been trying to get his mum to understand she is spending beyond their means for years but she doesn't listen. He is partly to blame though because he was very absent during my husband's childhood, always at work (and not to earn money, this was mainly for his own academic progression so it was for his own benefit rather than for his family's). The result is that my hisband was always with his mum, with no siblings around to dilute the intensity. I think that goes some way to explain the hold she has always had over him. That said, he's come a long way since then in terms of understanding my POV and it's going in the right direction. But he still puts her on a pedastal quite a lot which is frustrating knowing what she did.

OP posts:
GingerIsBest · 18/10/2023 16:25

I don't really understand all these comments about your DH. It sounds like, as his mother has form for behaving inappropriately and it's what he's grown up with, when she first raised the topic, his instinct was to do it. But then, in conversation with you, he has come to realise that it's actually completely unacceptable and as a result, he has agreed he will NOT give her the money.

This feels like a positive result to me?

Similar, but different example with my MIL - when we first lived together, DH thought it ws totally okay for us to not be told when his mother would arriving to stay with us. Even though these visits were roughly 6 weeks long or longer. This is because in his family, this was considered totally normal and the "respect" for elderly relatives meant that the rest of us were just supposed to suck it up.

Now, not only does DH expect to be informed, he expects to be asked. He also will not change any of our existing plans as a result of any out of the blue announcements. eg last year, at the end of her 3 month trip staying mostly with SIL, no one bothered to tell us when she was leaving OR that they would like to make plans for her final weekend. So I had accepted various invitations for the DC that weekend. MIL was livid that I refused to cancel the two parties DD was going to (at short notice) but DH 100% backed me.

We all have things our families consider normal that aren't. the key is whether we adapt to accomodate our partners.

UnevenBalance · 18/10/2023 16:27

Dweetfidilove · 18/10/2023 16:05

Different culture?

Were you aware he felt a financial responsibility for his parents before you married?

Did they invest in the business?

There is nothing in the French culture that says a child should fund the lavish lifestyle if their parents 😂😂😂
And im French btw.

SM4713 · 18/10/2023 16:29

I'm assuming the in-laws are retired? Are they living off savings/pension/other income? What does the FIL say about all this?

Don't underestimate that your DH might be giving the impression to his parents that you are both doing far better than you actually are.

Can you get better oversight of the books for the business to check payments aren't already going to them? I'd be livid that you don't have a home yourselves and your DH didn't say no automatically!

bombastix · 18/10/2023 16:29

It's not culture. This is a narcissist mother who expects a payout. It won't be the last time she asks for money.

UnevenBalance · 18/10/2023 16:31

Re retirement, it’s worth noting that the French system is much much better than the British one.
Seeing what they managed to buy, they are not living on £800 a month.

mumofgirls35 · 18/10/2023 16:33

Hi all, they are both still working and get quite handsome salaries as heads of their department. She is always saying how it all gets taken away in taxes. She used to compare her own salary to mine to my husband, and even though she was earning over twice as much as me used to say i's the same because of taxes. I guess this was all her building up to asking for money

OP posts:
Dweetfidilove · 18/10/2023 16:35

UnevenBalance · 18/10/2023 16:27

There is nothing in the French culture that says a child should fund the lavish lifestyle if their parents 😂😂😂
And im French btw.

Oooops. I read they have an apartment in France, not that they are French.

My bad for wondering if they may be of a different culture/heritage, where this kind of thing is the ‘norm’ 🫢.

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