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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

How to leave without being financially ruined

152 replies

NeedHandHoldThroughThis · 04/01/2025 22:42

Apologies it’s very long.
Background I’m a people pleaser with no self esteem, been in dreadful relationships before including proper abusive ones. I’m working on it but only now well into my fifties I realise that it’s better to be alone than with someone who doesn’t meet my needs. Anyway.
We met almost 20 years ago, we feel in love hard, he’s sweet and kind and we had lots in common so I thought finally I found someone who’ll treat me well. He came immediately clean that he didn’t have any money. He’s an artist and wanted to live off his art. This works out sometimes financially but mostly it doesn’t. He also immediately made clear that he wanted to move in together quickly, which I stupidly agreed to. My job was reasonably well paid at the time, and I didn’t mind supporting him and his artistic ambitions. The unspoken assumption was that he didn’t need to do jobs that would make him miserable, but if it ever came to a point where it was necessary he would do it.
During the following two decades he did not earn a penny, not once not ever he paid for anything we did together, while I worked my arse off and bought us a flat, took us on holiday, bills, everything always exclusively paid by me. He used to spend his days working on his projects and dicking around online (say 30/70), plus looking after me (he does treat me like a queen) and the house. And smoking weed.
When my mother got diagnosed with cancer 5 years ago I finally agree to marry him because I knew it was very important for her. Another really stupid mistake that I kind of sleep walked into.
In regards to other ways to support the family, I don’t lift a finger in the house, he does everything from shopping to cooking to cleaning, to maintenance jobs and admin. His standards are not as high as mine would be if I was in change of the above but I’ll admit I’m a bit of a perfectionist and over achiever. He’s also wonderful and supportive and sweet and funny. All my and our friends love him, in spite of knowing of our financial arrangements. My family love him to bits but they don’t know about the financial stuff because I know if they did they’d tell me I’m crazy to keep such a lieabout around.
The sex was always disappointing, but I pretended for years until I could no longer pretend and we haven’t touched each other that way for at least 5 years now. He’s very upset by this but he respects me enough not to hassle me, however it’s a bit of an elephant in the room and I know a source of pain for him.
Recently it has become obvious that he’ll never make it as an artist. He hasn’t sold a painting for years and he no longer works, his time is spent 100% looking after me and the house, by which I mean doing as little as possible as he can get away with, and dicking around online and smoking weed.
I realise now that I’ve resented him for years, probably close to a decade and a half.
I hate that he’s content not pulling his weight financially, that he has no pride and no ambition, that every time I said “ok now it would be a good time for you to take up some paid work because we need more money” he found some reason why we didn’t really need the money, and he never did.
Thankfully we never had children, by choice.
My job no longer pays as well as it used to for various reasons and for health reasons I have no way to increase my earnings. Neither of us has a pension. I’s all downhill from here financially, but because we’re both only children and our parents are comfortable (not rich) we’re looking at inheriting say 300k+100k in the next say 10 years, and we don’t have a mortgage, he thinks we’re absolutely fine. I don’t feel we are at all, with the mounting cost of living and health care and what about when we need care and I no longer work!
I want to leave him, so so desperately.
But I’m worried because he’s a man in his 60s who hasn’t had a job in decades, he has no way to get a mortgage or to pay rent, nor to find a job.
The only asset we have is this tiny house which I paid for every penny of the mortgage myself, with a deposit that came from my grandparents’ inheritance (they adored me and they had very little but they wanted me to have it all so that I could have the secure home they never had).
It would break my heart if in the divorce he came after the house, but I don’t see what else he could do…
Will he be able to force me to sell it to give him half the money, after he’s never contributed to it by one penny??
I just would like him to move out, and to start my life over like a clean slate. Is that possible? Am I a monster for thinking this? I have tried so hard to accept this situation, or to change it: I offered to pay for any training for him to change career, to open a business, but no all he wants to sit at home and daydream.
I’m very fond of him, he’s a good person and a lovely man, but I’m sick of this life and I’m scared that he’ll become old and unwell and need me to be his carer and I would really hate that, and I would not be able to leave then and my life will be over. I need to find a way out while I still can walk out.
I would appreciate honest outside perspectives on what my prospects are.

OP posts:
JimHalpertsWife · 05/01/2025 14:21

What about remortgaging enough on the current home to buy him out? Would that work? I know it's like a "step back" but you keep your lovely home and get rid of the millstone.

Sunshineandrainbow · 05/01/2025 14:27

Could he apply for sheltered housing in your area for over 60's then claim housing benefit.
How far is he off of state pension?

TheseBootsAreWalking · 05/01/2025 14:31

Your first priority is seeking legal advise. I think with most solicitors the first half an hour is free, so get all your questions down, and if you need to pay for an hour of their time as it may shed light the outcome for you both.

So ask around for a good solicitor and tell them what you said on here in your post for example. It will give a good insight into things.

MinnieCauldwell · 05/01/2025 14:32

Please do not go down the renting route, my friend sold her flat and rented for nearly 15 years, her money is gone and she is about to become homeless at 75. Maybe a 2 bed flat, small mortgage and rent a room out?
Could your parents help?

I do not understand why you have not paid into a pension scheme during your higher earning years.

NeedHandHoldThroughThis · 05/01/2025 14:49

MinnieCauldwell · 05/01/2025 14:32

Please do not go down the renting route, my friend sold her flat and rented for nearly 15 years, her money is gone and she is about to become homeless at 75. Maybe a 2 bed flat, small mortgage and rent a room out?
Could your parents help?

I do not understand why you have not paid into a pension scheme during your higher earning years.

I meant no “decent” pension. We’ll both have full state pension (he will because I topped up his contributions). On top of that my workplace pension but I’m in one of those jobs with crap benefits so there’s very little in there. Another way I buried my head in the sand. I’m feeling really shit about everything and I’m fully aware I am to blame

OP posts:
unsync · 05/01/2025 14:58

Draw a line under it and don't blame yourself. It's happened and done, regret won't get you anywhere.

I say this as someone who was married for 25 years to someone who abused me emotionally, sexually and financially.

Draw a line, move forward and don't look back. Salvage what you can and build a new life for yourself. It can only be better. What happens to him and what he will live on are not your concern. Focus on yourself. Positivity and hope will help you push through.

Crikeyalmighty · 05/01/2025 15:05

If your equity gives you 25%or moreto use asadeposit. Look at heylo - your home- you don't need a mortgage- it's shared ownership but on open market - you need at least 25% of purchase price and it has to be a freehold- age is immaterial - and you benefit from any increases too

NeedHandHoldThroughThis · 05/01/2025 15:09

unsync · 05/01/2025 14:58

Draw a line under it and don't blame yourself. It's happened and done, regret won't get you anywhere.

I say this as someone who was married for 25 years to someone who abused me emotionally, sexually and financially.

Draw a line, move forward and don't look back. Salvage what you can and build a new life for yourself. It can only be better. What happens to him and what he will live on are not your concern. Focus on yourself. Positivity and hope will help you push through.

Thank you. That must have been horrendous.
He’s very kind and has never hurt me intentionally. He just doesn’t seem to be able to function in the real world.
I hope you managed to rebuild your life and be happy after that xx

OP posts:
Arrivederla · 05/01/2025 15:11

Op - first thing, see a good solicitor and get some proper legal advice; (I saw 3 when I was getting divorced and they varied a lot in how useful their advice was, so I recommend going by personal recommendation if you know anyone who has used a solicitor recently)

Get moving, don't hang about for a few more years; if you do he will become less and less able to support himself and you might end up losing half of your inheritance.

You may have to accept losing half of the value of your house (solicitor will be able to confirm this - your marriage may still count as a short marriage which could make a difference). It will be worth it to get rid of him (speaking from experience!)

Oh, and not all solicitors do the free half hour thing (and in my experience the better ones often don't).

Good luck

Arrivederla · 05/01/2025 15:12

unsync · 05/01/2025 14:58

Draw a line under it and don't blame yourself. It's happened and done, regret won't get you anywhere.

I say this as someone who was married for 25 years to someone who abused me emotionally, sexually and financially.

Draw a line, move forward and don't look back. Salvage what you can and build a new life for yourself. It can only be better. What happens to him and what he will live on are not your concern. Focus on yourself. Positivity and hope will help you push through.

This. Exactly this.

Quitelikeit · 05/01/2025 15:13

Yes he will be entitled to half the house

Is it worth much?

Id personally split asap so that he cannot get his hands on half of your 300k

Quitelikeit · 05/01/2025 15:14

To tolerate this for 20 years you must have the patience of a saint!

least you have the next ten years left to save and put money into your pension

will half the equity not be enough for a little flat?

NeedHandHoldThroughThis · 05/01/2025 15:15

Arrivederla · 05/01/2025 15:11

Op - first thing, see a good solicitor and get some proper legal advice; (I saw 3 when I was getting divorced and they varied a lot in how useful their advice was, so I recommend going by personal recommendation if you know anyone who has used a solicitor recently)

Get moving, don't hang about for a few more years; if you do he will become less and less able to support himself and you might end up losing half of your inheritance.

You may have to accept losing half of the value of your house (solicitor will be able to confirm this - your marriage may still count as a short marriage which could make a difference). It will be worth it to get rid of him (speaking from experience!)

Oh, and not all solicitors do the free half hour thing (and in my experience the better ones often don't).

Good luck

I don’t know anyone who knows one, who I trust enough. Does the solicitor need to be geographically near me? Or can I get a recommendation off MN and do everything online? This is so daunting

OP posts:
custardpyjamas · 05/01/2025 15:24

He has done his bit in his own way, looked after the house done all the housewife work. It's been a role reversed relationship over many years. It's sad in a way that it has broken down he sounds like a nice guy but a bit of a Walter Mitty. Although I can see his lifestyle and attitude would wear pretty thin over time and you are well over it.

Have you talked to him about divorce and what he would expect as a settlement? Speak to a lawyer and if you are going to divorce do it sooner rather than later to protect your potential inheritance.

Arrivederla · 05/01/2025 15:26

NeedHandHoldThroughThis · 05/01/2025 15:15

I don’t know anyone who knows one, who I trust enough. Does the solicitor need to be geographically near me? Or can I get a recommendation off MN and do everything online? This is so daunting

I saw mine face to face to start with and then mostly communicated by phone/email; that was 8 years ago and things may have changed a bit since then I suppose.

Probably still a good thing to have an initial appointment f2f - the first 2 solicitors I saw couldn't have been less interested, but the third one was absolutely brilliant, so supportive and helpful, made the whole thing so much easier. A face to face meeting will give you a much clearer idea of what they are going to be like

Jurassicparkinajug · 05/01/2025 15:29

Look forwards not back OP. Dwelling on the past is dragging you down and you need to find the strength to move forwards. You’re definitely not the only person to bury your head in the sand and to let a dead relationship carry on for too long, it’s not as if he is a horrible man so please don’t blame yourself. You’re doing amazing to be sorting this all out now. You’ve paid off your mortgage and paid into your work pension so I don’t think you’ve been unrealistic, you’ve done the best you can on one persons salary. He’s to blame, not you. No advice on next steps other than a solicitor asap. Good luck OP, your freedom awaits …

harriethoyle · 05/01/2025 15:32

NeedHandHoldThroughThis · 05/01/2025 15:15

I don’t know anyone who knows one, who I trust enough. Does the solicitor need to be geographically near me? Or can I get a recommendation off MN and do everything online? This is so daunting

@NeedHandHoldThroughThis im happy to pm you a recommendation for a solicitor I used in my divorce and who several friends have used since with excellent results

Orangesinthebag · 05/01/2025 15:33

How old are you? Are you the same age as he is? I am just wondering how long you have until retirement age. Apologies if you have already stated this.

NeedHandHoldThroughThis · 05/01/2025 15:36

Thanks everybody, really.

Has anyone used a good one in London that they’d PM me the details of?

OP posts:
sevensheds · 05/01/2025 15:37

this has echoes of my ex. he has spent 30 years believing he will be 'discovered' as an artist but it's not going to happen. his stuff is very niche and not to the majorities taste.

i was with him 10 years, 2 children and supported him through my job and career while he dicked about freelancing when i kicked his arse and being an 'artist' at the expense of our relationship, my sanity and providing for our children the rest of the time.

he always said he would live off my pension at retirement. we never married thank goodness so he couldn't get his hands on it.

i have my well paid career, my excellent pension and my children away from his influence beyond eow.

he's now living with his ex wife (before me) and her children, poncing off her stable wage and circling her pension, still the tortured artist with hardly any freelance work as he hasn't kept up to date. no maintenance for our children and yet seems to manage a great lifestyle on zero income. i only fell for it once, she has fallen for it twice.

they don't change. he will leech off you forever. he has no self respect or dignity and no shame.

whatever it takes to be free of the millstone before your circumstances change is the only way to find peace. you will take some kind of financial hit at first but you will know where you stand and can have complete control of your finances going forwards. half of so many costs day to day will help, his weed habit won't be financed by you any longer, you won't be paying his NI contributions and overall in a few years time you may well be in the same if not a better position than you are today.

it may be that you can persuade him to go with an offer of something but better than if he tried to take you to the cleaners and get a clean break agreement from him.

i'd also suggest stop financing him now. if you state the relationship is over but you are under one roof while things are sorted, he can put in a claim for benefits and he buys everything himself. might focus his mind a bit more.

and eventually get out there and find some decent sex!

ByQuaintAzureWasp · 05/01/2025 15:37

Is his name on the house deeds abd the mortgage?

NeedHandHoldThroughThis · 05/01/2025 15:40

ByQuaintAzureWasp · 05/01/2025 15:37

Is his name on the house deeds abd the mortgage?

No, he never tried to.

OP posts:
Quitelikeit · 05/01/2025 15:41

Op if he’s so nice perhaps he will forgo any claim to the house?

Why not tell him you want to call time in the marriage? He might surprise you and agree

Maurepas · 05/01/2025 15:46

As you seem to know the facts re. what your divorce will mean - it might be best to get the 1/2 hour free legal advice and possibly go to mediation and deal with the matter yourself - you know you're not going get any money from your DH anyway - so do as cheaply as possible, will DH be able to afford a solicitor or will you end up paying for that too ?

KathrynWheel · 05/01/2025 15:46

I would move swiftly and accept that this is going to be painful. Stop beating yourself up about the mistakes you may have made but take the opportunity, now, to turn your life around for the better, for you. See a Solicitor ASAP. If it means you have to sell your home, do it. Pay him off and downsize and take on a mortgage again if that is possible. In time, if you are able to do that you will feel so positive that you were able to change your life for the better and the regrets you have now will be part of the past.
P.S I have a funny feeling Mr will be absolutely fine. I have no doubt he will find somebody else that will take him on.