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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:
Namechangedforobvious · 11/03/2024 16:57

VillageOnSmile · 11/03/2024 14:46

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.

This. I have tried having ‘the chat’ a few times now. The most recently he disappeared for a week (still don’t know where) and cut off my access to our joint card leaving me with no money for even food for the kids. He took the car so i couldn’t go anywhere with my eldest and it was a weekend where my youngest had activities which he needed to be accompanied to. I had to beg favours from friends and neighbours to take him (whilst i stayed with disabled child) as i was too ashamed to admit what had happened. I ended up begging him to come back as i was so panicked.

OP posts:
therealcookiemonster · 11/03/2024 17:04

Hi OP, I know in your position the situation appears insurmountable. I would start by breaking it up into chunks

First get the house valued and make a thorough assessment of your finances. also do some back of the fag packet calculations re your contributions over the years including being primary carer for the kids

then go see a solicitor and get advice. especially you being the primary carer for your child with chronic health issues, things may fall more in your favour. look at all the costs and options for cut backs so you have a clear idea of where you will stand after divorce

also speak to women's aid re financial abuse.

it's only after you have run the numbers with the Solicitor and you have your ducks in a row should you request your wages to he redirected and serve him with divorce papers.

from what you have said he sounds highly manipulative and controlling. if you tell him/show signs of wanting to leave too early he will absolutely screw you over. don't give him that chance.

staying is not an option.

Terrribletwos · 11/03/2024 17:13

Namechangedforobvious · 11/03/2024 16:57

This. I have tried having ‘the chat’ a few times now. The most recently he disappeared for a week (still don’t know where) and cut off my access to our joint card leaving me with no money for even food for the kids. He took the car so i couldn’t go anywhere with my eldest and it was a weekend where my youngest had activities which he needed to be accompanied to. I had to beg favours from friends and neighbours to take him (whilst i stayed with disabled child) as i was too ashamed to admit what had happened. I ended up begging him to come back as i was so panicked.

Edited

And take that to your solicitor! He's abusive and you need out.

I understand your concerns re your child but there are other places in the UK that can help. He is using your situation with your children against you.

VitoCorleoneOfMNMafia · 11/03/2024 17:22

Namechangedforobvious · 11/03/2024 16:57

This. I have tried having ‘the chat’ a few times now. The most recently he disappeared for a week (still don’t know where) and cut off my access to our joint card leaving me with no money for even food for the kids. He took the car so i couldn’t go anywhere with my eldest and it was a weekend where my youngest had activities which he needed to be accompanied to. I had to beg favours from friends and neighbours to take him (whilst i stayed with disabled child) as i was too ashamed to admit what had happened. I ended up begging him to come back as i was so panicked.

Edited

This is financial abuse. You can apply for a family court order to kick him out of the house.

Open a bank account and get your salary paid into it. Use that money to get a good family law solicitor.

The following can give free advice:

  • Women's Aid
  • Refuge
  • Rights Of Women
  • Shelter
NoKids2 · 11/03/2024 17:25

Hi OP, I don't have kids so there are parts of this I will never understand, but I know if I were getting all of this advice I'd feel pretty overwhelmed, particularly at the idea of taking a lower paid job at a point where I'd need financial security the most.

All you need to do as a first step, is research a lawyer with financial abuse experience and book an appointment. Let an expert guide you.

One step at a time....

CharlotteLightandDark · 11/03/2024 17:39

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

Was thinking the same, if it really is in his name only then you are not liable for the repayments there is nothing to stop you moving out and renting a place tomorrow. If he then defaults on the mortgage that’s his problem.

Loonylooops · 11/03/2024 17:45

OP listen here! There is always a way out. Always. We just have to work hard to find it and go through the pain to achieve it. You cannot stay in this situation. My first bit of advice would be get some legal advice. You may be very surprised what they tell you. Please go and do that and come back to us. It's awful reading this and I can't imagine what you are going through. But there is always a way out.

Cornflakelover · 11/03/2024 17:49

@CharlotteLightandDark

yeah that’s what I was thinking
If it is the case it’s a win for the OP
as she won’t be pursued by the mortgage company and she is a high earner so can realistically support her self

if he defaults that’s his problem to sort out not the OPs

craigth162 · 11/03/2024 17:55

Leave him. Im a single parent and my youngest is disabled so i do understand. However, leaving private school or having less therapies is less damaging to the children than what he is putting them through. Same for smaller flat etc.

Either he will have the children 50 /50 which will enable you to work more or he will have child support to oay which will help.

Pookerrod · 11/03/2024 18:06

There will be a solution and a way forward. But you’re in the thick of it right now and so it’s very difficult to see the wood for the trees.

Are you in full knowledge of your family’s financial position? You obviously know your own salary and outgoings but do you know your husband’s?

You need to speak to a family solicitor. I know an excellent one in London who will speak to you for an initial free chat should you wish to way up your legal options if you want to PM me.

Namechangedforobvious · 11/03/2024 18:06

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.

Thanks for your post. But yes, with his condition there is a direct / linear correlation between therapy and outcomes. The more therapy he gets the better off he will be in the long term.

To clarify this isn't therapy like lying on a couch talking about your feelings therapy 😂it's physiotherapy, occupational therapy, speech therapy etc

OP posts:
RandomMess · 11/03/2024 18:07

You need to plan this very very carefully.

You need to be in touch with women's aid.

You need to report him to the local domestic violence team for coercive control.

You need occupation orders lined up.

This needs proper planning.

You need your ducks very much in a row before you pull the plug.

You need to speak to your HR and explain you are in a very abusive relationship, they do have a duty of care to those being abused.

Raspberrymoon49 · 11/03/2024 18:28

Unfortunately you’re dependent on this man, financially and in other ways it sounds but you are fortunate to earn well and that’s a good foundation to start building your plan to escape, like others I did it with no money at all, there is always a way out, you just have to be creative and draw on every resource available to you, please start the ball rolling as your children are also suffering

Bluetrews25 · 11/03/2024 18:39

Namechangedforobvious · 11/03/2024 18:06

Thanks for your post. But yes, with his condition there is a direct / linear correlation between therapy and outcomes. The more therapy he gets the better off he will be in the long term.

To clarify this isn't therapy like lying on a couch talking about your feelings therapy 😂it's physiotherapy, occupational therapy, speech therapy etc

Edited

I'm a hospital based physio myself, and I have heard of a few cases of people paying privately for home based therapy for their loved older relatives on an ongoing basis where it is glaringly obvious (to us) that no improvement will be gained, but the person wants the therapy to keep going. Hence my concern.

After your update it's obvious you need to be really smart here.
So sad that you are in this position.

Ezzee · 11/03/2024 18:49

First I would get the children sorted your eldest find out how many miles the school will fund a taxi, apply for a PA for them etc (if you haven't).
Then look at house prices in that area, m nice lives 15 miles as the crow flies from her school
The younger one don't make any decisions for yet.
Get your own bank account and if he's horrid report him for abuse to the police ( keep a journal somewhere safe).
Then breathe and go from there.

Shetlands · 11/03/2024 18:51

You need to see a specialist family law solicitor asap. You also need to have your own bank account where your salary is paid in.

After the above, it looks to me like you could do the following:
1st Give up your job (you hate it) on the grounds that you need to look after your SEN child.
2nd Sell the house, take your share and move somewhere cheaper outside of London.
3rd Take the other child out of private school.
4th Get access to every benefit you're entitled to, including support/therapy for your SEN child.
5th find a part time job that you might enjoy and make a new social life for yourself.

In between all of the above, you'll divorce your husband in a time frame advised by the solicitor.

VillageOnSmile · 11/03/2024 18:55

Raspberrymoon49 · 11/03/2024 18:28

Unfortunately you’re dependent on this man, financially and in other ways it sounds but you are fortunate to earn well and that’s a good foundation to start building your plan to escape, like others I did it with no money at all, there is always a way out, you just have to be creative and draw on every resource available to you, please start the ball rolling as your children are also suffering

You see I’m not keen on that sort of answers at all. I’m not keen on comparing the OP’s position with others that weren’t in a similar position bar the no escape fund.

Yes the OP is in a fortunate position because she works and earns well.

But it’s clear that her main concern is about the dcs and how to be able to offer them the support they really need to be as well as possible.
It’s not a question about downgrading your lifestyle and making do with less. It’s about the health and the future of her dcs.
In the background if a dh will do its best to make it hard for her regardless of the impact on his dcs.

It will require more than just being creative and ‘cutting your cloth to suit you’.

However, if people were kind enough to post what creative ways (as in proper examples. Not stop private school and the therapy) there are to ensure those children are getting the therapy they need, the environment suitable for them to go to school etc… all on a reduced budget, I’m sure the OP will appreciate it.

Raspberrymoon49 · 11/03/2024 19:01

I simply meant having a decent salary is a good start towards independence, logistically it will take a lot of planning

Darhon · 11/03/2024 19:11
  1. get your cash. You tell your work where they pay your salary. So set up a bank account and get your salary paid into it.
  2. start looking at state schools for your eldest
  3. start looking at housing in a commutable are and live out nanny costs out of london. Or live in but out of London.

I suspect you doing 1 will cause a meltdown. I also suspect he’s in debt still, given how he is living and what he is saying - been there done that. If you apply to land registry you can see debts against the property.

Sorry you are managing this. I’m afraid there’s no neat package at the end of this and leaving will be crap and complicated. Again, been there and it was. The only positive was my kids got to see me leave and know it wasn’t acceptable. That was honestly worth it.

sterli2323 · 11/03/2024 19:19

Can family and friends help with getting the deposit and 1st months rent on a property for you to move into? Get that lined up and then time it around payday for the move and get salary paid in your own account on moving day, take some annual leave at the same time. Make sure you have a restriction on the marital home and then work and plan from there.

Eddielizzard · 11/03/2024 19:33

He is vicious. Who goes and leaves their family without money and car for a WEEK? He should not be underestimated. He doesn't care. His ego is the most important thing.

I would first do as much digging as possible. Find out debts, secret accounts, state of mortgage, pensions, investments.

Get a SHL (shit hot lawyer) lined up and ready for action. You'll know your rights, entitlements and can get a true financial picture.

Then get your salary into your account. This will unleash the beginning. From then on it becomes more unpleasant, but you'll know there's an end in sight.

The good news is that since he fucked off for a week he can fuck off again. Permanently.

In terms of managing your DC's education, you may be able to hold onto where you're at. You say there's equity in the house for you to both buy a small flat, but don't forget you won't be paying for his fuck ups anymore. You will be able to get another mortgage. After you've done your digging, you'll be in a better position to see what you can objectively manage.

Good luck. We're here for you Flowers

ThirtyThrillionThreeTrees · 11/03/2024 19:44

I think staying is no longer an option.

I think you need to go to both a solicitor and women's aid before you do anything else.

Don't move your salary until you've everything lined up & you can say that your employer has stated that they can not longer pay your salary into an account you aren't named on. They shouldn't be anyway.

In the meantime, start having a little off using cashback or buying vouchers unless he checks receipts.

Does your employer have a domestic violence policy, is there any way they can pay bonuses, overtime or anything into a seperate account etc.

Tell family you want to leave, you might be surprised how they can help.

Pinkbonbon · 11/03/2024 19:50

The thing is, you can afford to leave. You just wont be able to keep the same kushty lifestyle.
You could rent instead of buying.

My sympathy for you rather went out the window when you said he is calling your children idiots and you're still just hanging around.

Rent somewhere for six months. Save money then move somewhere cheaper. Maybe even (gasp) the North. If you think you can find work there.

2Hot2Handle · 11/03/2024 20:10

You’ve convinced yourself that you’re not able to get out of this, when some solutions seem simple. Unless he are in physical danger from him, keep the “sticks and stones” saying in your head and take some action.

  • Get in touch with your Payroll and change your salary to go to a bank account in your name only
  • Arrange for a certain amount to cover bills and mortgage to go into the joint account
  • At work put a spreadsheet together of your outgoings and work out what you could stop paying out for. Private school is a nice to have, not essential and although your child will have to get used to the changes they will get used to it
  • The savings you make could mean you can afford before and after school childcare
  • Book an appointment with a solicitor. It’s highly unlikely that you would only get 50% if the kids live with you, especially if one has a disability
  • DH would have to pay CMS costs so that you’d have that coming in
  • Look on Rightmove at house prices in the area and a bit further out. You may find you can afford more and you’d be moving your children’s schools anyway
  • Tell your friends and family about the situation, so that they have your support
  • Grey rock your husband and shut down arguments as much as you can by not responding
LupaDuende · 11/03/2024 20:29

Document his abuse..., i wish i had but DH controlled email and text messages. This is my second attempt as DH convinced me i was too unemployable to go it alone in 2010. I have been a SAHM with extra needs children for 20 years and will likely have a long hour & low wage job but i won't return to an arsehole. It is overwhelming but chocolate helps.
I am trying to sort a divorce right now; even if i'll be eating cat food as an OAP, I can stop the horrid comments.
As our children entered teen years they began to treat me the same way DH does.
Sending you best wishes!