Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

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:
BerryMummypudding · 05/01/2025 15:47

Don't be relying on an inheritance! My sister has done this and now my mother needs a care home and the inheritance is about to go up in smoke. She's screwed

ByQuaintAzureWasp · 05/01/2025 15:51

You are just going to have to put it behind you and live with the consequences of losing half of everything. I'd try and buy him out - he could rent an over 55s then.

Sort it out now before you get an inheritance, that's they key here.

KathrynWheel · 05/01/2025 15:52

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!

"He can put a claim in for benefits". Jeez is that how it works? Why can't he get a fucking job? Only ever claimed benefit for 6 weeks in 1980 so haven't a clue how it works now.

ByQuaintAzureWasp · 05/01/2025 15:56

NeedHandHoldThroughThis · 05/01/2025 15:40

No, he never tried to.

You could sell the house then but don't think it would help in your circumstances.

sevensheds · 05/01/2025 16:00

@KathrynWheel
i'm just being realistic. he's never had a job so very unemployable but if he claims benefits he has some money so OP can withdraw all financial support and maybe it might just motivate him to pull his finger out as benefits for a single bloke with no kids won't even pay for his weed habit.
he's likely a lost cause.

JimHalpertsWife · 05/01/2025 16:13

He might just quietly take himself off to a friends sofa while he sorts accom if he is that lazy passive?

ElizaMulvil · 05/01/2025 16:19

If you don't know which people are any good for advice. Google Legal 500 or Chambers and Partners. They rank solicitors ( and barristers) in various specialisms eg divorce in the various areas of England etc.

Michellesbackbrace · 05/01/2025 16:21

JimHalpertsWife · 05/01/2025 16:13

He might just quietly take himself off to a friends sofa while he sorts accom if he is that lazy passive?

Yes, first things first you need an honest conversation with him.

Does he know you want a divorce? Does he have friends or family he could move in with? I’d ask him to leave and give you some space and see what happens.

MrsKwazi · 05/01/2025 16:28

Firstly, stop paying for his weed habit!!

Secondly, just rip the plaster off. If you’re in London, your half of the equity in the house might buy something elsewhere in the country.

Sorry you’re going through this x

JimHalpertsWife · 05/01/2025 16:29

Firstly, stop paying for his weed habit!!

Yes to this.

Icanttakethisanymore · 05/01/2025 16:29

Allthegoodnamesarechosen · 05/01/2025 13:59

Well, it is illegal to use cannabis recreationally, so you could always shop him.

To what end? They’re not going to lock him up for personal use. I doubt they’d even charge him.

unsync · 05/01/2025 16:32

@NeedHandHoldThroughThis Thank you. It wasn't great, but I had help from Women's Aid. Life now is good and I am happy. You can be too. The hardest bit is taking the first step, but persevere as it is worthwhile. Dig deep and hang in there. You can do it.

TeaAndStrumpets · 05/01/2025 16:38

Maybe a silly question OP but have you had sex since your marriage? You say it's been over 5 years, but you only married 5 years ago. I wonder if you could apply to dissolve on the grounds of nonconsummation? It sounds very old fashioned I know, but I think it can be grounds to invalidate the marriage.
Probably grasping at straws here!

Michellesbackbrace · 05/01/2025 16:48

TeaAndStrumpets · 05/01/2025 16:38

Maybe a silly question OP but have you had sex since your marriage? You say it's been over 5 years, but you only married 5 years ago. I wonder if you could apply to dissolve on the grounds of nonconsummation? It sounds very old fashioned I know, but I think it can be grounds to invalidate the marriage.
Probably grasping at straws here!

How very Ruskin-esque!😂

Icanttakethisanymore · 05/01/2025 16:48

Unfortunately OP I can’t see how he won’t be entitled to 50% and rightly so. You worked, he didn’t and you both consented to this set up by remaining married. If people were allowed to retrospectively decide their lower / non earning partners were not entitled to 50% of the marital assets because they contributed less, the whole institution of marriage would be pointless (aside from the religious stuff for those who have faith).

edit - sorry I’ve just realised you’ve only been married 5 years, I don’t know if this would qualify as a short marriage.

Good luck sorting it out OP, I can see how this is all very difficult.

TeaAndStrumpets · 05/01/2025 16:50

Michellesbackbrace · 05/01/2025 16:48

How very Ruskin-esque!😂

Yes it does sound like something out of a Victorian novel!

Justleaveitblankthen · 05/01/2025 17:05

Does he smoke his cannabis inside of your "tiny house" 🤔 Because he will either be royally pissing off your neighbours, or devaluing your property eventually.
Everything will be seeped in the stuff. 🤢

2Hot2Handle · 05/01/2025 17:39

How about you make this the year you take action to change your situation?

  1. Get legal advice on your situation and what you’d be entitled to. As there are no children involved and he’s chosen not to work, you may be entitled to a greater share than you think, given that you didn’t agree that he wouldn’t work all this time
  2. Tell him that you’re deeply unhappy and that you’re no longer happy to support him financially. Tell him he needs to get a job, any job, to contribute. If he gets a job, agree a contribution from him and put that into savings, so that alongside the equity from the mortgage, you’d also have some cash to share
  3. If he has access to a joint back account, divert your salary to a separate account and manage the bills yourself. Do online shopping and have it delivered, so that there is food in the house. If he wants to buy anything, he can go earn the money for it
  4. Spend lots of time on Rightmove to see what you can afford in theory. A mortgage with your own freedom is better than having to share your home with someone you no longer like
NeedHandHoldThroughThis · 05/01/2025 17:54

Anyone knows of a good family law solicitor in London please? Happy to be PM’ed and thanks for all your support so far, I feel a bit less lonely and hopeless xx

OP posts:
Seas164 · 05/01/2025 18:03

Mr Hobosexual will find himself another woman to grift off, and someone elses's sofa to lie on smoking weed, you don't need to worry about that.

What's done is done, you've made the decisions you have made, the key is start making ones that move you towards where you want to be.

See a Solicitor, if you genuinely don't know of any locally (there should be plenty within a stones throw if you're in London) post anonymously on a local Facebook group and ask for personal reccomendations.

thepariscrimefiles · 05/01/2025 18:10

NeedHandHoldThroughThis · 05/01/2025 14:06

Thanks everyone.
I know my inheritance will be around 300k (bar care costs). His is just a guesstimate.
I’m so so angry at myself for letting this happen. I wasn’t even deceived or coerced in any way. So stupid

Why on earth did your mum want you to marry him? She must have known that he had no income or assets. I could understand it if you were the non-working partner but you weren't.

NeedHandHoldThroughThis · 05/01/2025 18:27

thepariscrimefiles · 05/01/2025 18:10

Why on earth did your mum want you to marry him? She must have known that he had no income or assets. I could understand it if you were the non-working partner but you weren't.

I hid the truth because I knew my family would have tried to dissuade me from staying with him :( I love him and all his many positive traits, I can see his shortcomings (now) but i couldn’t bear to have people in our circle slagging him off. He’s a good person, he’s just clueless about the world we live in, and he uses the weed to medicate his sense of inadequacy I think. As I said, this is at least 50% my fault. What a mess.

OP posts:
thepariscrimefiles · 05/01/2025 18:33

NeedHandHoldThroughThis · 05/01/2025 18:27

I hid the truth because I knew my family would have tried to dissuade me from staying with him :( I love him and all his many positive traits, I can see his shortcomings (now) but i couldn’t bear to have people in our circle slagging him off. He’s a good person, he’s just clueless about the world we live in, and he uses the weed to medicate his sense of inadequacy I think. As I said, this is at least 50% my fault. What a mess.

As some other posters have said, maybe he wouldn't even consult a solicitor or try and get half the value of the house if you divorced. He sounds very passive and unaware so may not know what he is entitled to. You could offer him a lump sum that is less than half the value of your home and he might just be grateful to be offered something.

Although this sounds quite mean written down as he sounds like a nice person, you do have to think about yourself and you bought the house from an inheritance and your earnings. He has had a very easy life living with you.

caringcarer · 05/01/2025 18:40

Is the house in your name only and bought entirely from inheritance? If it is you might get to keep it on grounds inheritance is often discarded in divorce. If not you'll end up going 50/50 with him but you'll be free to get on with your life and not have to have him sponge off of you. If you are disabled you might get over half of the house

ghostfacethriller · 05/01/2025 18:55

If you want to split, you want to split, but I think you're likely painting him as worse than he is. To paraphrase, you say he is a lovely guy who does everything in the house including all cooking, shopping, housework and house maintenance. That is quite a lot to take care of! It may not be an equal split workwise- but it's not like he's been sat around doing nothing at all for all those years.
I wouldn't worry too much about losing any money if you split though, if he's as popular and lovely as you say there'll probably be plenty of independently wealthy middle-aged woman keen to snap him up. I'd personally quite like a live-in charming and attentive arty guy, who gets on great with my friends and family, who I could go to cultural events with, and is happy to take care of all the shopping, cleaning and DIY!