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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:
Namechangedforobvious · 11/03/2024 11:40

Persephone1985 · 11/03/2024 11:35

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.

I just don't see how I could get a job max 10-3 each day and with 20 weeks of leave to accommodate the hours of childcare I'd need for caring for my disabled child. I don't know that those jobs really exist? I have certainly never seen them.

I absolutely know single parents manage. And people with disabled kids manage. But I don't know how I will manage as a single parent with a child who needs full time 1:1 care in school holidays etc and can't go to clubs.

OP posts:
Namechangedforobvious · 11/03/2024 11:43

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

Of course they would, my friends are great.

But it's not about a big house and lots of money. I don't have lots of money - I don't have ANY money of my own. And the big house is mortgaged up to the hilt so if we sell it, there is nothing left. So it's no house. And that's my concern.

OP posts:
Scarletttulips · 11/03/2024 11:45

You say you work 50 hours a weeks are those paid 50 hours or are you claiming overtime?

What does your contract say?

GatherlyGal · 11/03/2024 11:45

Something has to change OP if you want to leave this man.

Sell the house and rent for a while if that's what you HAVE to do.

If the mortgage is that enormous then presumably rent on a smaller place will be lower.

Namechangedforobvious · 11/03/2024 11:47

Scarletttulips · 11/03/2024 11:45

You say you work 50 hours a weeks are those paid 50 hours or are you claiming overtime?

What does your contract say?

It's a senior management position. My contract says I need to do the job, in my industry everyone opts out of the working time directive, or whatever it's called. I'm very well paid, though have nothing to show for it.

OP posts:
Enterthewolves · 11/03/2024 11:50

You are ‘yes, butting’ - you might be right, there might be no solutions but you are so beaten down you are not looking for them. Contact Women’s Aid, speak to a solicitor and weigh up your options. Get some good advice and take it from there. And cut the money off - your salary into your account - mortgage and bills from a new account in both names so you can see what else is being spent.

midgetastic · 11/03/2024 11:50

You have a good salary so you can sell the house and use your salary to pay rent or buy something much smaller

It may seem like stepping back but you will find it's going forward

WishIMite · 11/03/2024 11:50

In one post you say there is enough equity for a flat for each of you and in another you say there is no equity.

You seem to be catastrophising. Understandable but lots of women leave, in your position, and start again.

You have a limited number of options and none of them will leave you with the balance that you at the moment. You could stay and take control of the finances. Or leave and start again. It’s very hard for anyone to understand why you can’t move away from london if that is the only place with the right therapy for your child - what do other families in this position do? Can you learn from their lives?

Would your husband be prepared to be a full time parent if you split up?

Liminalstate · 11/03/2024 11:51

I found the problem of living with an abuser is they convince you that your only option is to continue living with them. It's not true of course - but you will have to let some things go. This organisation may be able to help you think through your financial options. Surviving Economic Abuse

I need help - Surviving Economic Abuse

If a current or former partner has interfered with your money or other economic resources to limit your choices, this information is for you.

https://survivingeconomicabuse.org/i-need-help/

GatherlyGal · 11/03/2024 11:51

You have been controlled and abused. Part of this involves conditioning you to believe you have no agency or control over your life. You need to shift your outlook to see that you are the person who can change things.

It will be uncomfortable after many years of being denied your own decision-making powers but you need to see that all of the difficulties while they are difficulties they will not prevent you from doing things differently.

There is no easy fix or magic bullet you just have to make changes one at a time and they will be hard. Your kids will have to deal with change but that's ok (necessary even) and in the long run the benefits will be huge.

BlastedPimples · 11/03/2024 11:53

Gosh. This sounds like such awful living conditions. Your h sounds really nasty.

Get your salary paid into your account for starters. Take a bit of control back. It's really important. Not least because your h is a bully and bulllies often back off when someone stands up to them. Not always which is what you have to watch out for with him.

Does he make all financial decisions then? Cutting costs such as state school would have to be discussed but would he be amenable to discussion?

Is there anyway you could find a job in a cheaper area of the UK where everything is more manageable in terms of cost?

You can't carry on living in such a toxic environment. I hope you can find a way.

Lostinbrum · 11/03/2024 11:54

Can you not switch your mortgage to interest only to ease the burden on you if you kick him out and he refuses to pay his half?

dontbelievewhatyousee · 11/03/2024 11:55

I don’t have any suggestions but I just wanted to empathise. The cost for Sen childcare I don’t think enough people realise. I looked at going back to work and it was £60k like you say. Not worth it for me really. Just isn’t any cheap proviso for those kids.

Namechangedforobvious · 11/03/2024 11:56

Enterthewolves · 11/03/2024 11:50

You are ‘yes, butting’ - you might be right, there might be no solutions but you are so beaten down you are not looking for them. Contact Women’s Aid, speak to a solicitor and weigh up your options. Get some good advice and take it from there. And cut the money off - your salary into your account - mortgage and bills from a new account in both names so you can see what else is being spent.

Hmmm yeah aware it sounds I am yes butting.

I am trying to work things through in my head, and many of the suggestions are things I have already thought about or just aren't options. I hope if we get rid of all the options that won't work (family, friends, just kick him out etc) we can end up with some which can.

I also don't want people to think I'm some sort of trophy wife who's stayed this long because I like handbags and manicures. That's not the case, I don't have any money and my initial comment around lifestyle I think has been taken by some to mean something it didn't.

Out of the things that have been raised so far and I am taking on board:

  1. Contacting a charity as it sounds like there are things we can do around the finances in advance of me making a change to protect us. Maybe I could even put in orders or something to freeze the finances and keep the house.
  2. Taking one kid out of private school. Listening to the comments I do accept this can't be off limits.
  3. Making one change at a time and figuring this out bit by bit. So maybe we rent then downsize and then figure out the childcare question bit by bit.

The job points are interesting and something I'm still thinking about. I don't much want to quit my career as I worked hard to get to where I am.

OP posts:
XelaM · 11/03/2024 11:58

OP - just to say, I totally understand and sympathise. I'm also on a massive salary but have absolutely nothing to show for it at the end of the month due to huge outgoings, which I can't really cut back on because they would harm my child (although on paper they are all luxuries like private school and my daughter competing/wanting a career in show jumping). No advice, but I totally understand where you're coming from.

Definitelylivedin · 11/03/2024 11:59

The very first thing you have to do is to open a bank account in your name and get your salary paid into it. Say there has been a new rule at work or something, but you can't do anything else until you have control of your own money.

MsFaversham · 11/03/2024 12:00

I’d go and see a solicitor for a start and see what your options are regarding divorce and settlement.

Namechangedforobvious · 11/03/2024 12:05

WishIMite · 11/03/2024 11:50

In one post you say there is enough equity for a flat for each of you and in another you say there is no equity.

You seem to be catastrophising. Understandable but lots of women leave, in your position, and start again.

You have a limited number of options and none of them will leave you with the balance that you at the moment. You could stay and take control of the finances. Or leave and start again. It’s very hard for anyone to understand why you can’t move away from london if that is the only place with the right therapy for your child - what do other families in this position do? Can you learn from their lives?

Would your husband be prepared to be a full time parent if you split up?

Yeah sorry will clarify. No equity for another house. Not no equity. It could stretch to two small flats as it would be 50/50.

For families outside of the proximity of the specialized types of provision school my disabled child attends, some children have residential care. I wouldn't want that, I love my child and they love me and I want them with me, and I fought for 2 years to get them into the highly specialist school they attend. Families definitely cope, as I could too, but it would involve moving my child out of the gold-plated best-possible-outcomes place they are in at the moment and into a less-good option, and I'd feel awful about that.

I've considered explaining the nature of their condition but it's outing and I don't want to share their medical information online.

I don't think husband would be a very good full time parent due to his anger issues. Maybe if I left he'd learn the hard way to manage his temper but I'd be worried he'd harm the kids.

OP posts:
Panama2 · 11/03/2024 12:05

As your money goes into his account how do you know there is no money left over after paying bills etc? Is this what he tells you?

Scarletttulips · 11/03/2024 12:07

Why is it 50/50? You would have children to house and pay for - he would need to pay towards that and you are more likely to have more.

Move your salary - take charge and pay for a solicitors advice.

Namechangedforobvious · 11/03/2024 12:10

Panama2 · 11/03/2024 12:05

As your money goes into his account how do you know there is no money left over after paying bills etc? Is this what he tells you?

Yes but it's pretty basic maths as it's basically a few big chunks: mortgage, childcare, school fees, household bills - I know what all of them are and can see there's nothing much left at the end of the day. He has had an issue where he ran up some credit cards and did some dodgy investments I then had to pay off too. I don't think he has big piles of cash sitting around, it's more just years of overspending on this that the other that then I've had to use all my salary to dig us out of.

Trying to think of examples but one would be he has booked some big posh holidays as a 'treat' without checking with me or anything. When asked he said he had some money put aside. Then I found out he'd stuck it all on a credit card and told me to pay it off, which I did. Stuff like that basically.

OP posts:
Flumpywoo · 11/03/2024 12:14

There have been lots of helpful comments on here and I understand why you feel trapped, but break it down into chunks and take each step at a time. I really feel for you. Sorry if I am repeating what others have said in my comments below...

Firstly, if the mortgage is in his name only, then the bank must only have borrowed enough for him to afford repayments alone, so he could be exaggerating the costs. But you are funding it/most of it so he might be squirrelling away your money into his own savings account. You are funding his life so you should immediately have work pay your salary into your bank account and demand your husband shows you his payslips and all bills/outgoings, bank statements and mortgage statement or you won't send him any of your salary each month. Obviously as long as you don't think he'll physically harm you or the children. He shouts already, so he will get annoyed but just let him shout as it's no different to normal. Tell him you are taking back control and will not live like this any longer unless finances are transparent. He won't want to default on the bills or mortgage as it will affect his credit rating, not yours, and it will shake him up a bit. Have you ever told him you're not happy with the arrangement or just gone along with it? Not criticising at all, just to get more context.

BlastedPimples · 11/03/2024 12:16

So he messes around with family money with dog shy investments and you have to pay it all off when he fucks it up?

You end up paying off credit card bills he's run up?

Sounds to me like you'd do absolutely fine without him. And he should be shitting his pants because you're not going to be around to bail him out of his cock ups in future.

And you sound brilliant. Successful. Capable. I'm in awe of you.

Just get rid of the albatross and you will soar.

BlastedPimples · 11/03/2024 12:16

Dodgy not dog shy investments.

DenmarkStreet · 11/03/2024 12:22

The concrete advice I would give you is to get a very good grasp of your outgoings, including exact paperwork for mortgage school, childcare. Then start making your bid or independence by taking control of this. It sounds like you are paying for the lion share here anyway so why not do it from your own account. Knowledge is power.

It sounds like he is creating general argument anyway so if this creates an argument it will ar least benefit you.