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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

Hate my husband but can't afford to separate

233 replies

Namechangedforobvious · 11/03/2024 10:15

Where to begin with this one.

Married 10 years, together 20. 2 kids. He was my first real boyfriend. Fell in love with him because he was funny, the life and soul of the party. We used to go out partying until the early hours of the morning, we'd host great gatherings for our mates, being young was super fun. For various reasons I was also a bit adrift when we got together (after all I was still a teenager) and he offered a lot of stability. We finished uni and he got a great job, encouraged me to do the same so that we'd have money and adventures together. I didn't really want a top paid corporate job, I wanted to do something in the arts but nothing paid well enough for the lifestyle he wanted so I got a job in finance for the money and figured it was OK to trade off my dreams as we'd have other dreams together. So far so good. And we did have a good time together for a long time.

Things started to go wrong around the time we got married. We were also buying a house and the stability he offered started to morph into being very controlling about everything, particularly money. He diverted my salary into his bank account (I KNOW it's stupid but we were getting married anyway and it was easier not to fight) and was always on at me to earn more, pay more as we needed more money for the house and wedding. Then as soon as we were married, he was on to the next thing.

He wanted to start a family (even though we'd agreed for years we didn't want children as there is a serious genetic condition in my family I didn't want to pass on). So we fought about that. And then he wanted a new house, and wanted to renovate, which we did. Except that we'd agreed a budget which he blew (it was very much his project and he didn't want me involved... at this point I was still pretty young, in my 20s, so again I let it slide) so it cost twice what we'd had set aside. Again, more pressure on me to work longer hours and haggle for promotions and bonuses (which I did), more arguments about money, and the first of many remortgages to free up cash.

As soon as house finished we're back onto him wanting a family. I gave in and we had two children. The eldest did inherit the genetic condition which has obviously consumed a huge amount of energy for us both now for years. He blames me for this as obviously the genes come from my side. I adore the kids but having seen various family members and the strain of variously living with this condition and parenting children with the condition, it's hard and wears you down. During this time my career has continued to progress, whilst his has stalled. He's angry and bitter about this. Always making nasty sarcastic comments. He continues to manage all of the money in the house, and we as a family continue to pursue a lifestyle we candidly can't afford with the non-disabled child in private school, best possible therapists for disabled child etc. Our mortgage is even bigger than it was 10 years ago as we've continued remortgaging every few years to free up money for life.

In the meantime, his being funny has rotted with old age into him just being sarcastic and unpleasant. Him being safe has turned into being bullying and domineering. The friends we used to throw parties for have all disappeared. No one wants to be around him any more as he makes obnoxious and offensive comments. I have a lot of friends, but just see them alone. No one wants to be around him and the husbands / partners don't like him. Where I have made friends who initially try and include him he makes excuses and always has an excuse not to want to be friends. He says they're annoying or aren't on our level. My family hate him. If I want to see my parents I have to do so alone, he never comes (he says their house is too shabby and he doesn't like visiting). He won't be in the same room as my siblings (who I adore and am very very close to). If I visit extended family he also won't come as he says he gets left out because they're more interested in talking to me than him.

He has a vile temper and yells and screams at the children. He calls them idiots. He calls me a c*nt in front of them. He's only happy if we're all on our best behaviour and ideally when I proactively think of everything he might like - cook his favourite meals, make sure kids are on best behaviour, house is tidy, and ideally take them out alone on the weekends so he can have a break. Noting that I work longer hours than him as am more senior in my job so I have to do all of this on top of working 50 hours a week so that he can lie around and scroll on his phone. If I ask him to do anything around the house he loses his temper. I never ask him to take the kids to give me a break as I know he gets angry and yells at them.

Where is this all going as a post (to anyone who has read this far). I just feel so trapped.

I work full time and am lucky enough to be very very well paid. But I do not have a penny of savings or anything to show for it.

The house is heavily mortgaged. With the equity in the house we could afford to sell and each my husband and I could afford maybe a tiny flat in our area we live in London. Obviously moving would be really hard for the kids.

Then there's the issue of childcare. My eldest needs specialist care which we've previously done through having live-in nannies (live out waaaay expensive megabucks and with working hours we need someone around all through school holidays etc). And I couldn't afford to get a place which was big enough for me, 2 kids and a nanny. BUT I also couldn't afford a live out nanny with the specialist skills required (as a benchmark c.£35k a year live in... JUST affordable, £60k a year to live out).

We could move out of London to get a bigger place but my job is tied to London, as are some of the specialist facilities my eldest needs (he attends a special school of which there are only a handful in the country of this profile).

I could get a new job with the hours to be able to do childcare myself but I don't know what job would enable me to work 10-3 each day (no after school clubs for disabled child) and have 20 weeks off a year for school holidays and pay even enough to be able to feed us, let alone pay for housing, council tax etc. A million percent nothing in my sector that's for sure.

I feel so stuck.

What am I looking for by writing all of this? I suppose just to get it off my chest. Anyone else got through a similar experience? I want out of this marriage so badly. I don't want my kids exposed to their father's angry domineering behaviour. I want them to have the experience of seeing what a healthy relationship can look like. I want them to see a happy mother. My youngest each day begs us to stop arguing. He draws pictures of his dad with an angry face, and also has adopted his father's awful mood swings, he goes from smiling and happy to hitting me and telling me he hates me.

It's all such a mess.

OP posts:
qazxc · 11/03/2024 10:27

that sounds rough OP, I don't blame you for wanting out. Is your salary still going to his bank account? Is there any way of putting the brakes on this lifestyle you can't afford to allow you to build up some savings?
If he is controlling the money to that extent it sounds like financial abuse and you may need to seek advice from organisations that are equipped to help people suffering from domestic abuse. Have you seen a solicitor to see what your options might be?

gamerchick · 11/03/2024 10:33

Well for starters you need your salary paid into your own bank. Upset the applecart a bit. You need savings of your own. Time has a funny way of opening doors and you need the funds to take advantage of it.

Namechangedforobvious · 11/03/2024 10:42

qazxc · 11/03/2024 10:27

that sounds rough OP, I don't blame you for wanting out. Is your salary still going to his bank account? Is there any way of putting the brakes on this lifestyle you can't afford to allow you to build up some savings?
If he is controlling the money to that extent it sounds like financial abuse and you may need to seek advice from organisations that are equipped to help people suffering from domestic abuse. Have you seen a solicitor to see what your options might be?

I just can't save - by the time mortgage, bills, childcare, school fees is paid there's nothing left.

Variables in the equation - I could take one kid out of private school. Other one I could cut down on his therapies. They are the only two things I can think of but both would directly harm the kids.

Otherwise sell house (same issues with area / proximity to schools and work). Or if I cut childcare I'd have to cut work which realistically would mean a whole different job as I'm in a senior position and can't cut my hours.

OP posts:
user1476041120 · 11/03/2024 10:47

OMG darling !! Please gather up your not inconsiderable strength and LEAVE this man . He is a bully and does not love you or his children. You are not living a life of your own . Hell fire - we all make mistakes but do not make the mistake that he will change or get better etc etc. You have seen the real man. ( that's just a noun by the way. A real man would not treat his wife and children in this dreadful way ). Please just look at your marriage - you are nothing more and have been than a useful tool to him - and then he has the audacity to throw you some crumbs of er ? WHAT ? Love ! - no no no and again no. He is a narcissist - there's plenty of info on You tube about this personality disorder . It amounts to domestic abuse . I am shocked that he should call you such a dreadful name, never mind in front to your children. There is help out there. and believe me you can and will overcome obstacles to get out of this dreadful situation. Go somewhere , anywhere go NO CONTACT so that you have only your own situation to deal with - and start divorce proceedings. and Do not take him back - ever. This six month wait to cool off rubbish in a divorce petition, does not apply to victims of domestic abuse. I am not a solicitor but you could get a restraining order to ban him form the house ? Apply to live in the house while he pays ? Get your own back on this man by being happy! Don't give him the rest of your life - he isn't worth it. Keep in touch on Mumsnet - I have found the strength to deal with my husband and my problems by the support of the lovely women who post on here. Bless you - sending love and support - Marina

Namechangedforobvious · 11/03/2024 10:50

user1476041120 · 11/03/2024 10:47

OMG darling !! Please gather up your not inconsiderable strength and LEAVE this man . He is a bully and does not love you or his children. You are not living a life of your own . Hell fire - we all make mistakes but do not make the mistake that he will change or get better etc etc. You have seen the real man. ( that's just a noun by the way. A real man would not treat his wife and children in this dreadful way ). Please just look at your marriage - you are nothing more and have been than a useful tool to him - and then he has the audacity to throw you some crumbs of er ? WHAT ? Love ! - no no no and again no. He is a narcissist - there's plenty of info on You tube about this personality disorder . It amounts to domestic abuse . I am shocked that he should call you such a dreadful name, never mind in front to your children. There is help out there. and believe me you can and will overcome obstacles to get out of this dreadful situation. Go somewhere , anywhere go NO CONTACT so that you have only your own situation to deal with - and start divorce proceedings. and Do not take him back - ever. This six month wait to cool off rubbish in a divorce petition, does not apply to victims of domestic abuse. I am not a solicitor but you could get a restraining order to ban him form the house ? Apply to live in the house while he pays ? Get your own back on this man by being happy! Don't give him the rest of your life - he isn't worth it. Keep in touch on Mumsnet - I have found the strength to deal with my husband and my problems by the support of the lovely women who post on here. Bless you - sending love and support - Marina

Thank you! And I would love to do this. But I can't afford to. I know that if I kick him out and change the locks, which I'd like to, he would immediately stop paying his half of the mortgage and bills. All of which are in his name. My own salary couldn't cover everything alone.

OP posts:
GatherlyGal · 11/03/2024 10:59

I think you need to break things down into manageable steps.

  1. Consider moving DC out of private school. Kids adapt and needs must.
  2. Look into options for downsizing. You can live in a flat and still have a nanny. They need a bedroom yes but you might have to squeeze into somewhere quite a bit smaller. Get the house valued and start thinking about what you can afford. You will have to compromise but remember the goal of freedom and a better life in the long run.
  3. Get control of the bank account and particularly your salary. Stop any non-essential outgoings.
  4. He will be shocked and will react but you have to be tough. If he does move out and stop paying the bills you get on the phone to the bank / gas company etc and explain that buys you some time.
  5. You have a good salary which is great. It feels insurmountable but it is not. It will be tough but you absolutely can get out and make a new life without this man dragging you down.
Uricon2 · 11/03/2024 11:02

Control you can immediately take back is diverting your salary to your own bank account. You will start feeling less powerless when you've done that. Why do you think he wanted it his way in the first place? To give him power and control.

I know things must seem insurmountable OP, but your kids would be happier in much more straightened circumstances than living in a nightmare like this.

Persephone1985 · 11/03/2024 11:05

Namechangedforobvious · 11/03/2024 10:42

I just can't save - by the time mortgage, bills, childcare, school fees is paid there's nothing left.

Variables in the equation - I could take one kid out of private school. Other one I could cut down on his therapies. They are the only two things I can think of but both would directly harm the kids.

Otherwise sell house (same issues with area / proximity to schools and work). Or if I cut childcare I'd have to cut work which realistically would mean a whole different job as I'm in a senior position and can't cut my hours.

Edited

Would it harm the kids less to cut costs in their schooling and facilities than to continue in this situation? You've got to weigh it up.

You might already know this but employers legally have to consider flexible working:

https://www.gov.uk/flexible-working

they could even consider giving you a different job within the company with less responsibility that would be able to accomodate part time hours. Obviously this would mean cutting your salary, but then you'd be cutting the cost of a nanny and other things so could you make it work?

Would you consider living outside of London (lowering your housing costs) if it weren't for the job/special school? If you worked from home you might be able to do this. You probably have family/friends/a life there, so that might be hard.

Good luck :)

Flexible working

Requesting flexible working, how to make an application, what business reasons an employer can give to reject an application and how to appeal.

https://www.gov.uk/flexible-working

Tel12 · 11/03/2024 11:15

All of this is a cage you have created or at least agreed to. As such you have the keys to the door and get out. No one is stopping you. You have a family who love and would provide some support. The alternative is another 20 years of this and you can see the impact that it's having on you and the children. You can start by making sure your salary goes into your account.

Jk987 · 11/03/2024 11:16

I think the very first thing you should do is talk to a solicitor. No.1 priority should be getting your name on the mortgage and having your salary paid into your own bank account. Get this done before rocking the boat.

Talk to Women's Aid and/or Citizens advice and ask for advice on financial abuse.

Now what about your family and friends. Any chance you and the kids can stay with them if needed? If not, I'm sure they can offer emotional and practical help so lean on them.

Namechangedforobvious · 11/03/2024 11:21

Tel12 · 11/03/2024 11:15

All of this is a cage you have created or at least agreed to. As such you have the keys to the door and get out. No one is stopping you. You have a family who love and would provide some support. The alternative is another 20 years of this and you can see the impact that it's having on you and the children. You can start by making sure your salary goes into your account.

I do have a family who love me that's true. But they definitely wouldn't / couldn't support me. My extended family live abroad, my mother has advanced dementia and my father cares for her full time. Even if I could / would move abroad to be with them, they don't have enough space for me and the kids to stay with them. My brother has just had a baby and my sister lives overseas. If it was as easy as letting my family help I would have done it years ago.

OP posts:
FlowerBarrow · 11/03/2024 11:21

From your opening post I very much doubt you have the full financial picture. It’s quite possible that if you got all the details and took back control of your salary you could either a) afford to separate (with an albeit much smaller home) or b) at least begin to save up

Lovingitallnow · 11/03/2024 11:24

I think you need to decide between the lifestyle and the life. Which do you want?

Namechangedforobvious · 11/03/2024 11:26

Jk987 · 11/03/2024 11:16

I think the very first thing you should do is talk to a solicitor. No.1 priority should be getting your name on the mortgage and having your salary paid into your own bank account. Get this done before rocking the boat.

Talk to Women's Aid and/or Citizens advice and ask for advice on financial abuse.

Now what about your family and friends. Any chance you and the kids can stay with them if needed? If not, I'm sure they can offer emotional and practical help so lean on them.

I can't think of any friends we could stay with. We're in London - no one has space and a disabled kid with a lot of needs would be a huge issue for anyone to have stay.

OP posts:
midgetastic · 11/03/2024 11:28

Tell your friends and ask for any help - you may be surprised

Namechangedforobvious · 11/03/2024 11:29

Lovingitallnow · 11/03/2024 11:24

I think you need to decide between the lifestyle and the life. Which do you want?

Well I want the life. But per my first post (very long, totally understand if you couldn't get to the bottom) there's no money left in the pot, and real practical reasons I can't disentangle myself from the area I live which is expensive, or the job I have which requires me to buy in childcare, or the childcare which I need to be able to work.

OP posts:
Persephone1985 · 11/03/2024 11:32

Namechangedforobvious · 11/03/2024 11:26

I can't think of any friends we could stay with. We're in London - no one has space and a disabled kid with a lot of needs would be a huge issue for anyone to have stay.

It sounds like you haven't got a brilliant support network in London - no family living nearby, and no friends who'd be willing/able to help you when you actually need it. Is there anything else keeping you there besides the financial trap of it?
From what you've said, it sounds like you are working in London, just to afford to live in London. And you are living in London just to keep your job so you can afford to live there. If there's nothing else keeping you there, would you consider moving out and just having a completely different lifestyle with a lower salary but also lower costs on all fronts? I know there's the schools but as I said before are there alternatives where your kids would be just as happy and fulfilled?
You must have loads of transferable skills, sounds like you've got a good job, you have got some capital to free up too from house sale.

Scarletttulips · 11/03/2024 11:34

Speak to your local council - there are scheme that assist with disabled children - you can get respite or additional help it doesn’t need to be full time.

Het control of your money and look at the outgoings - where’s it all going?

Pull the other child from private school - that must save some money to afford childcare - needs must.

You are being abused and you need knowledge to sort this mess out - if bank on him having accrued massive savings off your back.

GatherlyGal · 11/03/2024 11:35

The point is @Namechangedforobvious its up to you whether you really want to get out or not. Your life and your children's lives will have to change but people manage kids with additional needs and childcare challenges all the time often without the good salary so it can be done.

I'm not saying it's easy but if you are determined and you decide to leave him then you make a plan and you do it. You might have to ask friends for help. You might have to juggle paying bills for a while. You might have to live in a much smaller place but there is always a way.

Persephone1985 · 11/03/2024 11:35

Namechangedforobvious · 11/03/2024 11:29

Well I want the life. But per my first post (very long, totally understand if you couldn't get to the bottom) there's no money left in the pot, and real practical reasons I can't disentangle myself from the area I live which is expensive, or the job I have which requires me to buy in childcare, or the childcare which I need to be able to work.

So you need to break the cycle. Get a different job, part time, lower paid, cut the school costs and the nanny, and move out of area.

I don't know the numbers but trust you when you say you won't be able to afford living in the same kind of house, in London, paying for the same things, on a lone salary and working full time in your current job.

But you said in your original post, this was all just what your husband wanted anyway.

Namechangedforobvious · 11/03/2024 11:35

midgetastic · 11/03/2024 11:28

Tell your friends and ask for any help - you may be surprised

Well yeah. They all know we are very, very unhappily married. That's why many have taken a step back from friendship as it's awful to hang out with a couple who can't get through dinner without the husband making awful snide remarks about the wife or comments on her appearance etc. It makes people very uncomfortable, and they have told me this. I have also told him how uncomfortable his behaviour makes people but he doesn't want to hear it. He then dismisses everyone who has spoken up and cuts them off, even his own best friends.

But what can my friends they do? None of them have a spare million quid kicking around they could give me to buy him out of his half of the house. None have a spare flat they could put us up in whilst we sorted ourselves out. They all work and / or have their own kids, they can't look after mine for me. They'd all stick up for me and support me and be there for me emotionally as they all see how awful he is. But my worry is keeping a roof over our heads, keeping my kids fed and keeping my job.

OP posts:
midgetastic · 11/03/2024 11:36

But you haven't got the life have you ?

You've got yourself trapped into wanting to change things without having anything changed

And wanting to change things for the better now or not at all this rather than recognising that sometimes it's takes time for the better but to happen

And the trap of thinking the change will e bad when in fact you are changing aweful for could be better

You don't seem to accept that ditching that man will be a huge benefit

WeaselCheeks · 11/03/2024 11:36

You really need to get some professional advice, but IIRC you can get a Mesher Order that defers the sale of the family home until the kids have left school? If his name is on the mortgage, presumably he'd have to keep paying?

But yes, do try and contact Women's Aid/a solicitor/etc. You don't have to live like this.

midgetastic · 11/03/2024 11:38

Your friends will say
What a relief you are walking away

And they might be able to make you see that the money and big house are nothing

user1476041120 · 11/03/2024 11:38

Hi - I agree with
" I think you need to decide between the lifestyle and the life. Which do you want? " Your children will only benefit from a loving home, without degradation, and a strong Mum who teaches through example that disgusting behaviour will not be tolerated. You CAN get out. So what if the mortgage is in his name - he will have the debt through non payment? In a divorce you will still be entitled to half - And if it goes that far - it is just more evidence that this man only cares about himself. Don't catastrophize on what might happen - 95 % of the worst that can happen - actually doesn't. Day to day ploughing through is what will happen - but you will and can do it .