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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

Separation and money - real examples wanted!

5 replies

feedmenow · 03/06/2025 20:46

I’m looking for some real life examples of how non-married couples with children have separated financially.
I know it’s great if a couple can amicably come to an agreement that is genuinely fair for both children and parents, but it’s hard to know what this looks like without hearing from others who have been there and done that!
Any thoughts or advice appreciated:)

OP posts:
NCtoavoidsniggering · 03/06/2025 21:25

I think it relies a lot on goodwill and income - my brother left his partner but left her the house so their daughter would always have a good home with her mother- he then started again from scratch. They then co parented pretty well - it wasn’t a ‘you do the graft in the week, I do the fun bits at weekends’ scenario. A decent parent will want to make sure kids have a good home with their ex partner as well as with them.

cool4cats2020 · 04/06/2025 04:13

The answers are going to vary dramatically depending on assets, employment/incomes, child arrangements, and ultimately how amicable the split is.

My ex never contributed a penny financially during the relationship, we both left with nothing financially (we didn't have any monetary assets as ex sucked us dry every month), and now will only work cash in hand to avoid child maintenance, so hasn't contributed a penny towards our DC in 10 years. The only thing we've argued over is child benefit and UC as ex thinks we should share it even though the kids live with me.

Loveduppenguin · 04/06/2025 04:17

i was married but I moved out and got my own place. I earned a bit less but never got CM, still don’t but he pays for the after school care and we go 50/50 for major costs. Custody is 50/50 too.

feedmenow · 04/06/2025 09:31

Thank you all!
This is actually for my DP. He and his ex have a decent amount of equity in their house, which is being sold. He wants her ti have everything to ensure the children are safe, etc, and that they have an inheritance, and is willing to walk away with nothing. My concern for him is that in doing this he would have no say in what happens to that home once the children are adults, and they could end up with nothing.
I’m wondering if it’s better to get it all agreed legally (despite the cost) so that he knows they will 100% have that inheritance, or whether there’s a different/better way of doing it. I’m thinking they split the equity and he buys an investment property for the children with his share. Or he buys half the new home with her and they review it when the children are both 21.
It’s sad I’m thinking like this (through experience though!) but lots can change in 10 years and what is agreed informally now may not be what actually happens down the line.

OP posts:
Loveduppenguin · 04/06/2025 09:53

If he walks away and get his name taken off the house, he has no say in what happens to the house after that. He cannot stipulate that the children in here at the house and it will be stupid of him to think that he could that house might be needed for his ex to pay for her care in old age. How would it work? Then either she needs to buy him out or give him a percentage that suits. Once that’s done, a waiver will be signed and he has no rights to the property. If he wants to ensure his children have an inheritance, then he could do it with his own home or take out a life insurance policy that is put in trust for the children upon his death

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