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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

Financial support

47 replies

Nicer2980 · 10/05/2025 11:19

OK..Here it goes...my first post.........

I have been with my partner for 25 years and we have two children...... 22 year old son and 19 year old daughter.

We are not married. I have been the male provider for the majority of the relationship; bills, kids clubs, food and everything family life requires financially.

My partner had financial challenges where she was continuosly in her overdraft every month averaging £500 in arrears every month, whilst having a job and a good income. I supported her and cleared this balance for the best part of 12 months, maybe longer, I'm unable to remember exactly. I never asked for anything back as we are a couple as good as married, 25 years. You do this for each other right? Without even questioning it.

Approximately three years ago, my father in law passed and my partner was the executor. Again, I supported her through this very challenging time, where other family members were trying to manipulate and push my partner in declaring the wrong information for financial gain, which she could have got into trouble for with the HMRC. In the end, the said family members were held accountable through their own failings with HMRC and my partners went smoothly as she provided every detail required.

The outcome, she inherited a property with a passive income.

I have recently lost my job, although OK for money in the interim.

I asked my partner if should could support with a few bills....She has never had to pay a bill in 25 years. Half each to take some weight off my shoulders.

After some challenging conversations, she reluctantly agreed. If I realised how difficult it was going to be, I would not have asked. I reminded her of how I supported her financially and never ever asked for the money back. I see it as that we are 'one'. What I have is hers and hers mine etc.

Not so it seems.

I'm really disappointed with how the situation has played out. I have given my whole life and effort for my family and this one time I asked for support it was a massive task.

She is very financially stable now and seems to keep quiet about it all. I have always said to look after the children with the money and that I do not want any of it. Although would like her to make things a little easy with a bill here and there....

On the whole, relationship is great. Like any relationship, it has its moments although nothing major.....Well, one thing that gets me down at times, she calls me a narcissist. I do not control her in any way and have always said to her, to live her life to the fullest, if that meant not with me then that's my loss. She has always said she is happy and does not want to be with anyone else.

I would like some feedback from members whether I was wrong to ask for support and perhaps assumed that she would and should?

We have been together since I was 19 and she was 17, now 44 and 42.

Thank you.

OP posts:
Octavia64 · 10/05/2025 11:44

It’s never wrong to ask for support.

it’s not entirely clear what financial basis your family runs on.

you say that you were the male provider but then mention that she also had a job.
was there an explicit agreement about finances?

eg some couples pay 50:50 towards bills/rent etc, others pay in proportion to income etc.

you have said contradictory things in your post - saying to her to use her money for the children and then hoping that she would pay bills are completely different things.

do you rent or own? Who owns the house?

category12 · 10/05/2025 11:48

Seems odd that you've paid all the bills for 25 years, yet she has a job.

Itiswhysofew · 10/05/2025 11:55

Yes, id say she's acted selfishly. She's got used to you being the main financial provider and seems to have forgotten that she's also responsible. Does she make any financial contribution to the household and savings?

2024onwardsandup · 10/05/2025 11:58

Did she do the majority of the childcare and domestic chores?

Nicer2980 · 10/05/2025 11:58

We have rented for 25 years. I have always paid the rent, council tax, gas and electric bills.

Partner does the food shopping although I do contribute too.

Partner has had a job for the last 15 years.

The point about using money for the children was in regards to the inherited property and passive income.

No agreement about finances ever. I just did what I did to support my family.

Thanks

OP posts:
category12 · 10/05/2025 12:10

What you're saying doesn't make sense. You paid "food and everything family life requires", yet she works and pays the food shopping and was struggling financially into her overdraft regularly, until recently when she inherited. 🤔

In principle, yes, a couple should support each other and pick up each other's slack to help each other when needs be.

It's bizarre to me that you've apparently never discussed finances in 25 years.

TwistedWonder · 10/05/2025 12:13

On the whole, relationship is great

Really? That’s not how it sounds tbh.

And I’m shocked in 25 years and with DC never just pooled finances or had a reasonable discussion about shared resources.

chatgptsbestmate · 10/05/2025 12:15

I'm not sure I 100% understand what you're saying, OP

Surf2Live · 10/05/2025 12:18

as a pp has said, you have given contradictory information here

your op says "I have been the male provider for the majority of the relationship; bills, kids clubs, food and everything family life requires financially"

then your next post says "Partner does the food shopping although I do contribute too."

there is also missing information here

is her job full time or part time?

who does the majority of childcare? managing the household?

was it her career that took a hit when children arrived? how has this affected your pension contributions compared to hers?

how much did you earn compared to how much she earned? if there's been a gross disproportion for a long time has that been accurately reflected in how much each of you contributed to costs?

rather weird that in all this time you've not had any agreement on how you've managed finances, especially as two children have been created and raised during that time

ThejoyofNC · 10/05/2025 12:22

This is simple OP. What's yours is shared, what's hers is hers. That's how she sees things.

Nicer2980 · 10/05/2025 12:23

Sorry for any confusion. This is not a platform I am used to and I'm just trying to make it as clear as I can.

We never discussed finances. What I have done financially for the last 25 years was my duty as a father and partner. I never questioned her money and what she done with it and was more than happy to help when she needed it. It just feels a little harsh that her mindset is just to take care of herself.

Thank you for your responses and apologies for not being clearer.

OP posts:
Octavia64 · 10/05/2025 12:27

Well, if you’ve lost your job you can’t keep paying the bills. You might have some savings but they’ll run out eventually.

you do need to have a bigger conversation though.

if your kids are 22 and 19, maybe it’s time to talk about are they moving out/when are they moving out and can you move to rent a smaller place?

if you don’t get another job then the bills will eventually go unpaid and either she’ll have to pay them or you’ll be evicted.

shalamakooky · 10/05/2025 12:27

So what was she doing with the rest of her money if she was always in overdraft?

seems it’s a topic that has been avoided for years.

it does seem selfish on her part.

however was the rest of her money going on her leisure? Or for the family?

do you have a pension?
does she have any savings/pension

need more info.

Nicer2980 · 10/05/2025 12:29

ThejoyofNC - So it seems unfortunately.

OP posts:
Winter2020 · 10/05/2025 12:32

What's done is done but your children are now adults and (short term job loss aside) you should each be contributing in proportion to your income.

Now you know that she isn't keen to help even when you are out of work you won't be able to unsee it.

You need to discuss finances going forward. It sounds like you have some savings to pay a share of bills for now.

If your partner isn't willing to contribute according to your means I would reflect on supporting the whole family with your money because if you split (because you aren't married) she will have her rental property and all you will have is savings - so you should split bills fairly and add to your savings when you are back in work. You need that security.

Nicer2980 · 10/05/2025 12:33

I will be back in work soon so no immediate stress.

Honestly, I do not micromanage her with regards to finances.

She spends and buys whatever she does.

The main concern for me is what she has inherited and the disposable income. Other way round I would be doing good things to benefit our family. Her intentions seem different unfortunately.

OP posts:
Darkgreendarkbark · 10/05/2025 12:35

Why did you never get married to the mother of your children? It seems a bit late in the day to start worrying about this stuff. Did you just expect that she'd be financially dependent on you forever? You seem to think you were doing her a favour. You should have married her and put you both on a level playing field, a proper team. Then you wouldn't be in this situation.

Nicer2980 · 10/05/2025 12:40

Unfortunately, bad memories of parents and close friends being married and divorced put me off the idea. My partner wanted to, but I just bottled it.

OP posts:
category12 · 10/05/2025 12:40

I have always paid the rent, council tax, gas and electric bills.
Partner does the food shopping although I do contribute too.

What about water, phones, cars/transport, broadband, tv, clothes, appliances/home furnishings, holidays/leisure?

Darkgreendarkbark · 10/05/2025 12:42

Nicer2980 · 10/05/2025 12:40

Unfortunately, bad memories of parents and close friends being married and divorced put me off the idea. My partner wanted to, but I just bottled it.

Well... There you go. I wonder what she would say about all this. It's probably been a real source of pain to her all these years. You made your choice, and this is the flip side of it. You get out what you put in.

Nicer2980 · 10/05/2025 12:43

She bought her own car. Insured for her only. I have always had work vehicles.

Holidays- I paid
Clothes for the children - both contributed.
Phones- we pay for our own devices.
Water - me.
Home furnishings/improvements- Me

OP posts:
rubyslippers · 10/05/2025 12:45

Nicer2980 · 10/05/2025 12:40

Unfortunately, bad memories of parents and close friends being married and divorced put me off the idea. My partner wanted to, but I just bottled it.

Ooof
that’s horrible for your partner
maybe she’s always felt insecure because of that and that you weren’t committed to her and the kids
women can be more financially insecure than men and maybe now with the inheritance she’s thinking about her future 🤷‍♀️

Nicer2980 · 10/05/2025 12:49

I understand. Being 44 and 42, we can still marry and I value the 25 years of being together not married, where some couples marry after a few months or years.

I have always been comitted to us and gave everything.

Other than not marrying I feel I have done good.

What are the suggestions to move forward 🤔

OP posts:
TheignT · 10/05/2025 12:52

Not unreasonable to ask her to contribute to bills. In all honesty if she's now got a job and income from her house and you're out of work you shouldn't need to ask. She sounds selfish.

SweeneyToddIer · 10/05/2025 12:53

Nicer2980 · 10/05/2025 12:40

Unfortunately, bad memories of parents and close friends being married and divorced put me off the idea. My partner wanted to, but I just bottled it.

So you didn’t want to give her financial and legal protection, but now that the tables have turned, you want it from her?

Your girlfriend is a smart lady. Good for her- it’s not usually such a good outcome for unmarried women raising children and not working full time.

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