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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:
RosaBaby2 · 11/03/2024 14:16

You say the bills are all in his name... Does this include the credit cards?

thrwy22 · 11/03/2024 14:20

It doesn't matter how well paid your job is if you have no money left at the end of it because of high mortgages and private school.

Take a pay cut. Get a different job. Rent somewhere small with you and your children for the time being.

Speak to a solicitor about how much child maintenance you may get.

You get one life, once it's over it's over. Do you want to spend it like this? Your children have one childhood.

Give up everything and go on benefits if you have to.

Anything is better than this
Good luck!

Tabitha005 · 11/03/2024 14:23

This is the second post today I've read on Mumsnet where the OP has said their husband has called them a cunt. That, alone, should be enough, never mind the bullying, harassment, gaslighting and all-round appalling behaviour from the one person you could reasonably expect to be on your side in any eventuality.

Quite who the fuck these awful excuses for men think they are is a mystery.

OP, to both you and the other poster I'd say 'leave these bastards and don't look back.'. Both of your lives will be immeasurably better without them - I can absolutely guarantee it.

sugarapplelane · 11/03/2024 14:28

Hi Op

Lots of people are suggesting that you now change the bank account your salary gets paid into and you are not acknowledging this at all.

This is the perfect first step and one that be done very, very easily if you contact HR.

Your money will then be your own and you can then ask to see every bill to make sure that you are only paying your share into a joint account.

Pkease ask for help xx

TheFancyPoet · 11/03/2024 14:28

You stop the salary being paid into his account. Divorce him and start fresh, NO MATTER WHAT.

MakeupTable · 11/03/2024 14:29

As others have said, if mortgage is only in his name then he would have to have sufficient income to afford it initially and the subsequent remortgages at the end of each term. Is it possible you have been added on without realising?

You can contact your payroll and get your salary paid into your account easily. If you don’t want to rock the boat with your husband ask how much you need to transfer across at the end of the month - it is then up to you whether you do this.

You need to see a solicitor to find out where you stand. You do not need to tell him about this. The more information you take the better. Again whether you act on it is up to you, but at least you will know.

If you were to divorce, I very much doubt you would ‘just’ get 50/50 especially with the needs of your children.

Knowledge is your best tool.

ladycarlotta · 11/03/2024 14:32

OP, you do actually sound amazing and I agree that you are likely to really fly once you figure this out.

I think there's some good advice here but particularly to tread carefully. You definitely need to get your salary paid into your own account, not his, but you can't go into that conversation cold. Speak to Women's Aid before you do so, and look at the resources for financial abuse linked in this thread - might even be worth having talked to a solicitor so you are utterly clear in your head what your 'script' is going to be, how to counter anything he might say in response, and to make damn damn sure that it happens and he doesn't bully you out of it. You can see now that this is financial abuse, so educate yourself on it thoroughly before you start to tackle it, so you know what is in the abuser's playbook.

As for schooling - some PPs seem to have minimised this but it actually sounds really important to keep the kids where they are, especially your eldest of course. I would call that a non-negotiable if you can't relocate to somewhere that has comparable resources. But as for your younger child's private school, look into whether they might offer any bursaries or fee reductions before you pull them out. You might be surprised. I agree that you should also look into PIP and so on for your elder child.

It is abundantly clear you aren't in this for the lifestyle, fancy house etc. I think some people haven't read your post too closely. But if you can break free from this bastard you might actually find you're doing a bit better than you currently are, in that you will actually know the state of your finances, you will be making your own decisions about what is a necessary expense... these are not things you've had control over for a long time. You may not live to the same standard but you will be in a position to rebuild, whereas if you stay with him it is a dead cert he will continue to drag you deeper into debt. For this reason I wouldn't leave it too long. Your options in terms of equity are not going to improve the longer you stay put: they are dwindling every month. So, get your ducks in a row. Take time to make a proper plan. But don't kick this can any further down the road.

SuperGreens · 11/03/2024 14:36

Have a conversation with him, be firm, start the conversation, we are both very unhappy and this marriage is over. Once the elephant in the room is addressed he might actually be easier to deal with, he may be very unhappy as well. If not, well the conversation has to happen anyway.
You both have some options, you could do that nesting thing, where you rent a small one bed take turns in the house with the kids.
Or put the house on the market and go into a rental for now, keep whatever equity you get from the sale and start to add to it so you can buy again asap.
It really is better for the children to be in a calm happy home, than a pretty but miserable one.

nc42day · 11/03/2024 14:39

@SuperGreens do this once you have got all the information you need and sorted yourself out, not a minute before. Men like this do not often have a transformation into reasonable and kind when their wife announces she's filing for divorce. Quite the opposite.

That Nesting Thing is difficult enough when the situation is balanced fair and amicable, where there is zero abuse present. Not applicable in this situation.

Catoo · 11/03/2024 14:42

OP you can afford to leave.
There is enough equity for a decent deposit on a house (you said it would buy a small flat in London) plus a mortgage in your name on top. My calculations say you can get something worth at least £375k and likely a lot more. Maybe you’ll have to be outside London for that to go far. But the state schools are often better there anyway.

If you won’t leave at least start taking some responsibility for the joint finances. If you still pay your salary into your husband’s account for gods sake it’s 2024 please take control of your own money. You can do that easily via HR dept. Find out what half of all the bills are and transfer that amount over to OH each month.

Put a stop to expensive renovations and more remortgages until you’ve had time to see a solicitor and have a think about leaving this horrible man.
💐

VillageOnSmile · 11/03/2024 14:43

I’d start by going to see a solicitor.

Your situation is quite different than most people in that you have children with very specific needs and that will have to be taken into account when you split. Which means the split might not be 50/50 and that will help you sorting accommodation etc…. Your dh might have to carry on paying the school fees etc…..

Second is that your dh is abusive. At the very least financially.
You need to seek support to leave him from people who are used to deal with abusers. I suspect he won’t go wo a fuss!!
Id encourage you to contact women Aid for example. And/or to get counselling for yourself. You need all the support in RL you can just now.

Then contact charities for your dcs needs. Just now you’ve thrown money at the problem with a nanny.
What else can you do? What is available around you etc…. You need to get a better idea if what’s out there. Be curious. If you start from the pov that there is nothing you can do, you won’t be able to move (that’s the effect if his abuse btw - not the reality)

Third, look at numbers.
Atm the only thing you know is that there is no money left at the end if the month. It will scary and not feasible.
But there is a lot you can do to cut cost - even before talking about stopping support for your dcs. So put a budget together. Add any help you can get (did you apply for DLA for your dc? It’s not a lot but everything will help).

It will work out. It will be a different life than what you have just now. But it will!!

VillageOnSmile · 11/03/2024 14:45

Also re moving your wage to your account.

Depending on how your dh will react, I’d wait to do that.
You want to be able to sort out as many things as possible before he realises you want to leave.

VillageOnSmile · 11/03/2024 14:46

SuperGreens · 11/03/2024 14:36

Have a conversation with him, be firm, start the conversation, we are both very unhappy and this marriage is over. Once the elephant in the room is addressed he might actually be easier to deal with, he may be very unhappy as well. If not, well the conversation has to happen anyway.
You both have some options, you could do that nesting thing, where you rent a small one bed take turns in the house with the kids.
Or put the house on the market and go into a rental for now, keep whatever equity you get from the sale and start to add to it so you can buy again asap.
It really is better for the children to be in a calm happy home, than a pretty but miserable one.

This man is abusive.

I wouldn’t count on him being reasonable at all. Quite the opposite.

This is not a situation where you want to sit down and discuss.

TomeTome · 11/03/2024 14:52

Do you claim all the benefits you are entitled to for your disabled child? How old are they both (ie how long are school fees etc continuing)?

Mumofoneandone · 11/03/2024 14:52

Do much good advice on here, which I second.
Tough times ahead but it will get better......
Good luck

LyingWitchInTheWardrobe · 11/03/2024 14:54

Do you even know what the total incomings are to the household? It sounds to me as if you might be propping the whole thing up almost by yourself? You need to know and then you can make plans.

It may be that you can well afford to leave this twat of a husband.

Find out, carefully and quietly find out and start moving your important documents out of the house to somebody you trust. See a solicitor and get advice on your next steps.

Your first post was so hard to read, OP, I really feel for you. Waste no more time with this man, he is abusive and he will bring you down. Never again let any person control your salary and financial wellbeing.

Scarletttulips · 11/03/2024 14:56

SuperGreens

Youve never met a man like OPs husband have you?

Come back when you’ve lived with one and see if your advice changes. He’ll stop at nothing to destroy OP life.

travellina · 11/03/2024 15:14

Is there any chance you could find a job that is full time but allows a lot of flexibility? I know SEN families that make it work like that. Pick child up at 3 and then make up the remaining hours from home once child is asleep. Exhausting but a possible way out of the job conundrum. I understand why you can't just move to a cheaper area if your DC is in the specialist school in your area. I don't think many people realise how much more difficult it is for working parents of SEN children who cannot attend any clubs, wrap around care, or playdates, even babysitters.

Bluegray2 · 11/03/2024 15:33

Can you quite quit your marriage, stay living with him but have very little to do with him, stop paying your wage into his account and only pay what you need to, stop letting him make all financial decisions and start trying to squirrel away money, maybe this time next year you will have more money which will enable you to leave, if not take the child from private school and move out of the area into a cheaper location, start recording / noting any forms of abuse so you will have a record in the future

bonzaitree · 11/03/2024 15:50

Ask your friends for help OP. If I were your friend I’d be falling over myself to help you. I bet they rally around and help practically as we as being supportive.

I would if you were my friend and it sounds like you have the village.

Be honest with your family about what’s going on. You might be surprised at what they do to help.

like lots of high achieving women you’re thinking about this like it just your issue to solve alone. That doesn’t sound true to me.

holrosea · 11/03/2024 16:04

You sound incredibly capable OP, but to use a Mumsnet classic, it is time to put on your big girl pants and start acting in a way that protects your future and the wellbeing of your kids.

I love the Rights of Women UK site as it has detailed and clear guides to Marriage, Divorce and Finances. If you have two school-age children, one of whom has disabilities and requires specific care, I strongly doubt that the equity in the house would be split 50/50, especially if you are the resident parent or become the defacto carer.

It sounds like such a lot, but in your place, I would start by reading this: https://www.moneyhelper.org.uk/en/family-and-care/talk-money/financial-abuse-spotting-the-signs-and-leaving-safely

I'd also contact Women's Aid who will be able to advise on safety and will also have experience of helping women and children with different needs. With this information/support, I'd start looking for a solicitor with experience in domestic violence and specifically financial abuse. Google your bank to find out if they have any financial abuse protections in place, and set up a meeting with your advisor to tell them what is going on. Many banks signed up for a FA charter that allows advisors to refuse loans in these cases, which could slow his spending.

If your husband "goes ballistic" whenever you stick up for yourself, I'd seek safety advice from these organisations before making an big changes such as changing your salary to your own account.

Family law information - Rights of Women

Our family law guides include accessible online information on: domestic abuse, children and the law, family court, legal aid, marriage, divorce, civil partnership, finances, living together, and more.

https://www.rightsofwomen.org.uk/get-advice/family-law-information/

Lovelyview · 11/03/2024 16:05

I'm sorry to hear about your situation op. I'd second talking to a solicitor and women's aid first. Do you have a credit card in your name? I think you need to find out what your options really are and work out what to do, possibly over a longer term (6 months to a year). If you don't want to alert your husband by getting your own bank account could you get your employer to pay any bonus or a raise into a separate bank account?

Cornflakelover · 11/03/2024 16:15

It might be good that your not on the deeds / mortgage but you are married
you could walk away and know that you aren’t going to be pursued by the mortgage company
but you will still get your share cos your married

Ticktockontheclock · 11/03/2024 16:21

It can be done.
I left with my two sons, not a penny in the bank. He wouldn't move out, so l did. He then forced the sale of the house.
I won't lie it hasn't been easy financially but it has been worth it.
Ten years down the line my two sons have grown into two kind and decent young men. They make me so proud. He would have ruined all that had l stayed with his temper and drinking issues. My sons are equally proud of me, they respect what l did and what l went through to create a better way of life for the three of us.
Sometimes you just have to jump,like the millions of other women who find themselves in similar circumstances, and find your wings on the way down. If you wait until a possible better scenario in the future, you would never end up doing it, there never is one.
I had no help, no support. I am on minimum wage, but l made it work.
The prospect of leaving him was terrifyingly, he had a very ugly temper, plus l was stone broke. But l couldn't bring my sons up in that toxic environment.
You can get a long way on courage and faith.

Bluetrews25 · 11/03/2024 16:32

Start looking to get a job away from London - can you stay with the company and relocate, or would you need to look around?
Property is cheaper out of London, as you well know
Drop private school - usually it's one term's notice
Sorry to sound callous, but is the 'expensive therapy' actually going to change anything for the better, or does it just make you feel you are doing everything you can? If it's not giving results, why are you doing it? Do you need to move to near one of the other specialist schools?

Plan the heck out of your exit so that you can cut and run as seamlessly as possible.
You can do this.
Good luck.