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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

Am I wrong to be bothered by this?

84 replies

YouSaidSomething · 24/06/2025 16:25

Feel a bit pissed off but not sure if I’m BU. I know this isn’t AIBU but I’m feeling too sensitive to post this there!

For background, DP and I have 9 year old twins and DP has a 16 year old son who lives with us half the time.

I’m on the mortgage and the deeds of our house but DP pays all the mortgage and the bills because he earns £150k and I work full time but earn minimum wage. (I have a chronic physical health condition that really limits the sort of jobs I can do before anyone jumps on me about not working more. I used to have a big corporate job but I had to give it up and miss it every day.)

The money I earn generally goes towards running my 12 year old car and treats and extras for the kids. I also paid for a big holiday for us all on a credit card a couple of years ago and use my money to pay off the 0% balance each month over a five year period. Which I now realise sounds absolutely mad written down, given the topic of this post.

DP has never complained about covering all the mortgage and the bills. He’s happy for my money to be the ‘treat money’. But whenever we’ve needed to do very necessary work to our house he’s really dragged his feet and it’s been an absolute battle to get him to agree - for example - to do a loft conversion, so that our twins no longer need to share a room (they’re boy/girl) and DSS can still have his own room. It was literally about two years of arguments and me making the case for doing the renovations before he finally agreed. It was exhausting. Then of course once it’s finished, history gets rewritten and he acts as if it was never a big deal.

Likewise with holidays. He pisses and moans about the cost when I suggest going anywhere - hence why our last holiday is on my credit card. I booked it out of desperation because we hadn’t had a holiday in five years before that and I just thought fuck it, I’ll just pay for it. Obviously he was happy to come along and had a lovely time.

So that’s the context. Now to the point: I recently found out he’s spent £3,000 on a high end piece of sporting equipment for himself.

At first my attitude was fair enough, he can afford it, he pays all the bills, why shouldn’t he spend that on himself if it makes him happy?

But after thinking about it, I’m remembering how he said we couldn’t go abroad this summer because of what was spent on the loft conversion and numerous other times when the house or garden has needed something doing to it and he’s said we can’t afford it.

It’s like, if it’s spending money for the benefit of all of us, he doesn’t want to do it. But has no problem spending thousands just on himself, for something only he will ever use.

I can’t imagine I will ever be in a position where I can spend £3000 on myself. My car isn’t even worth that much. And even if I had that much spare cash - I would spend it on improving the house or garden, or on a nice holiday for us all.

I realise this sounds like a bit of a ‘diamond shoes are too tight’ situation, but it’s not about the amount of money per se, it’s more about the low-level meanness and sense that it’s only worth spending money if it benefits him - then money is no object. But he’s happy for the rest of us to go without the things that would make life a bit better if it means saving a few quid. For example, our front porch is rotten and starting to fall apart but he refuses to get it sorted because it will cost too much.

In the bigger picture, I hate that I don’t feel I have any say in our finances - which have always been separate. He has complete veto over any significant purchase. Although we own our house together, we are tenants in common, not joint tenants, so it’s not like he’s feathering my nest as well as his own by paying all the mortgage. He’s just bumping up his own equity.

I honestly can’t tell if I have a right to be pissed off about this £3k shiny toy or not. Am I a mug?

OP posts:
Picklechicken · 24/06/2025 16:28

No, that’s not fair of him.

Regardless of your income you both need to have the same and equal spending money. If he chooses to save his and then spends £3k of it then that’s fine; but you need to be able to do the same. And holidays / home improvements need to be accounted for - I think this is where you’re going to struggle as he clearly doesn’t have the same priorities/ values.

MiloMinderbinder925 · 24/06/2025 16:30

You're not married and he obviously doesn't see you as a team. I'm wondering how much of a guzzler your car is if you spend over 20k on petrol and 'treats'.

HenDoNot · 24/06/2025 16:33

Where’s all your money going?

Have I read your OP correctly? You spend 24k a year on your car and “treats” for the kids, and you don’t contribute a penny towards the mortgage or bills?

Changingplace · 24/06/2025 16:35

You’re not wrong, considering you have kids it shouldn’t really be my money/your money. You’re also v exposed financially as you’re not married even if your name is on the house.

Where does the rest of what he earns go? Do you have a pension?

Notreallyme27 · 24/06/2025 16:38

You take home just shy of £2K a month. That’s a fucking lot of pocket money for you and the kids! I’m sure you could easily afford to pay for a holiday and extras for yourself out of that.

YouSaidSomething · 24/06/2025 16:40

My car is not a ‘guzzler’, it’s a 2013 Kia! Treats for the kids includes fees for their sports clubs and sports kits, allowances on their Go Henry cards, etc. Once a month I might have my nails done, every three months I get my hair cut. After swimming lessons, we’ll pick up takeaway pizzas on the way home because I can’t be arsed cooking. That sort of thing.

OP posts:
MiloMinderbinder925 · 24/06/2025 16:42

YouSaidSomething · 24/06/2025 16:40

My car is not a ‘guzzler’, it’s a 2013 Kia! Treats for the kids includes fees for their sports clubs and sports kits, allowances on their Go Henry cards, etc. Once a month I might have my nails done, every three months I get my hair cut. After swimming lessons, we’ll pick up takeaway pizzas on the way home because I can’t be arsed cooking. That sort of thing.

2k a month to fritter on nails, hair and pizza sounds like a good deal to me.

YouSaidSomething · 24/06/2025 16:51

I was wondering where everyone was getting £2k a month from and then realised I’d put full time in my OP instead of part time. My fault. I don’t earn £2k a month!

It’s more like £1,200 per month and out of that I also pay into a pension and am paying off the holiday loan.

OP posts:
CatherinedeBourgh · 24/06/2025 16:53

You spend your money on the things you value, he spends them on the things he values.

3k is only about a couple of months' worth of your 'treat money'.

Not everyone values spending money on making a house which is perfectly serviceable better. I do, but don't expect anyone else to.

Comedycook · 24/06/2025 16:57

You work full time when you have a chronic condition and your DH is a high earner? Whose idea was that?. unless it doesn't affect you day to day. I have no idea of the nature of it and I'm not asking. Do you also do all the housework/cooking/child related work too?

However it's probably sensible in case you were to split that you earn your own money...

WinSomeandLoseSome · 24/06/2025 16:58

YouSaidSomething · 24/06/2025 16:51

I was wondering where everyone was getting £2k a month from and then realised I’d put full time in my OP instead of part time. My fault. I don’t earn £2k a month!

It’s more like £1,200 per month and out of that I also pay into a pension and am paying off the holiday loan.

Why don't you work full time then? Your kids aren't babies.

Picklechicken · 24/06/2025 17:01

WinSomeandLoseSome · 24/06/2025 16:58

Why don't you work full time then? Your kids aren't babies.

It’s literally in the opening post. 🤦🏻‍♀️

YouSaidSomething · 24/06/2025 17:02

Changingplace · 24/06/2025 16:35

You’re not wrong, considering you have kids it shouldn’t really be my money/your money. You’re also v exposed financially as you’re not married even if your name is on the house.

Where does the rest of what he earns go? Do you have a pension?

To be honest, I don’t really know what he does with his money. I know he has savings and investments and premium bonds but I don’t know how much
is in them. The way he talks you’d think he was penniless. He was acting as if the loft conversion wiped out every last penny of his savings. But then a month after it was completed he spends £3k on something totally frivolous.

I know I’m getting snarky replies because I misleadingly said I work full time in my OP. I don’t, I had to go part time when I left my old job. If I was earning £24k I wouldn’t blame people for telling me to pull my head out my arse.

I’m not trying to say we’re not comfortable. I know we’re very lucky. I think what I’m struggling with is that whenever I say, like, the porch is falling down we should get it replaced, or the decking is rotten let’s redo the patio so we can enjoy the garden this summer, for example, the answer is always no we can’t afford it. So the porch keeps on looking shitty and the decking keeps on being dangerous, but £3k ok a shiny toy for himself? No problem!

Am I making sense? I feel like I can’t really find the words to say what I mean.

OP posts:
AttilaTheMeerkat · 24/06/2025 17:02

"DP has never complained about covering all the mortgage and the bills".

Well he would not would he because he can prove he is paying the bills.
He regards his money as 'his' and his alone. This is not a good man you are with here. You are not married to him and therefore your position re the law here is very weak.

And this is also why you paying off a holiday loan. Holidays are not important to him nor is the house. Oh he likes owning a house because he can call himself a homeowner. He would and indeed has spent 3k on a piece of sporting equipment (new racing bike perhaps?) that benefits only him. The rest of you can go hang as far as he is concerned. Please tell me your children by him have your surname rather than his because if not that is another lot of power and control all too easily handed over to him. The potential here for economic abuse is very great.

Comedycook · 24/06/2025 17:02

Ok my bad, I just realised you work part time... should have read your following post.

Regardless, imo, I think he sounds pretty mean with money.

SixteenClovesOfGarlic · 24/06/2025 17:03

Comedycook · 24/06/2025 16:57

You work full time when you have a chronic condition and your DH is a high earner? Whose idea was that?. unless it doesn't affect you day to day. I have no idea of the nature of it and I'm not asking. Do you also do all the housework/cooking/child related work too?

However it's probably sensible in case you were to split that you earn your own money...

Edited

She doesn't have a husband.

You should be saving hard to secure financial independence, not paying any mortgage or bills means this should leave almost all your earnings to save and go to your pension.

Are you happy about having zero legal protections or status beyond the mortgage contract with the bank? (Not snarky, some people don't want any legal connection to a boyfriend/girlfriend)

www.citizensadvice.org.uk/family/living-together-marriage-and-civil-partnership/living-together-and-marriage-legal-differences/

YouSaidSomething · 24/06/2025 17:04

WinSomeandLoseSome · 24/06/2025 16:58

Why don't you work full time then? Your kids aren't babies.

I work as much as my health condition will let me. I also do all the kid and house admin, cooking, etc, which is fair enough because I’m around more.

OP posts:
SixteenClovesOfGarlic · 24/06/2025 17:08

That's shocking that someone said the man is 'mean with money' when he's paying the mortgage and bills by himself!

Comedycook · 24/06/2025 17:11

SixteenClovesOfGarlic · 24/06/2025 17:08

That's shocking that someone said the man is 'mean with money' when he's paying the mortgage and bills by himself!

Edited

Yes but it sounds like their finances are kept quite separate rather than their being one pot. The op said they hadn't had a holiday for five years...he's earning a six figure salary FFS.

AttilaTheMeerkat · 24/06/2025 17:11

It does not necessarily follow that because you are around more means he does not have to parent his three children in some ways. You're supposed to be a team and fact is you are not. He is Team Him. Your contribution that is non monetary is not at all valued by him. You've had two children by him and he should be an equal parent to all three of his kids. He is not is he?. No and in his head he comes first.

Your man is at heart selfish and does not want to share. He's more than happy to blow 3K on some sporting equipment (a bicycle per chance) but when it comes to home improvements that are needed due to wear and tear, he vetoes it and otherwise says no. Who died and made this bloke king?.

HenDoNot · 24/06/2025 17:11

the porch is falling down we should get it replaced

It’s not “we” though is it, it’s him. You’re telling him what you want him to spend his money on, but you’re not offering to contribute. You want a loft conversion, a new porch, new decking, and a holiday, and you want him to pay for it all, along with the mortgage and all of the bills, while you have 1200 a month to essentially spend on whatever you want to.

If you want to spend 3k on a treat for yourself do it, you have plenty of your own spending money.

HellonHeels · 24/06/2025 17:11

SixteenClovesOfGarlic · 24/06/2025 17:08

That's shocking that someone said the man is 'mean with money' when he's paying the mortgage and bills by himself!

Edited

He's paying the mortgage for his own benefit. By paying it all he is ever increasing his own share of the property.

By the time the mortgage is paid off OP's share of ownership will be whatever percentage of the deposit she paid. He'll own the rest.

YouSaidSomething · 24/06/2025 17:12

SixteenClovesOfGarlic · 24/06/2025 17:03

She doesn't have a husband.

You should be saving hard to secure financial independence, not paying any mortgage or bills means this should leave almost all your earnings to save and go to your pension.

Are you happy about having zero legal protections or status beyond the mortgage contract with the bank? (Not snarky, some people don't want any legal connection to a boyfriend/girlfriend)

www.citizensadvice.org.uk/family/living-together-marriage-and-civil-partnership/living-together-and-marriage-legal-differences/

Am I happy about it? No, not really. But he’s always refused to marry me so…

I did that classic stupid thing of thinking we’d get married after the kids came along. I realise how naive that was and if I had that time again I would never get pregnant without a ring on my finger.

We have a good relationship - he’s not an arsehole to me or anything. We get on very well. He just has this selfish mean streak when it comes to anything financial. He grew up in poverty and he has a very weird relationship with money. Refuses to spend anything, but will then make a massive frivolous purchase and then the next month he’ll be moaning about some broccoli that’s gone off in the fridge and had to be chucked out and freaking out about wasting food.

OP posts:
AttilaTheMeerkat · 24/06/2025 17:12

Precisely HellonHeels. He has this well sussed and is leaving his partner here along with his kids in the dust.

PsychoHotSauce · 24/06/2025 17:13

You're focusing on the 3k shiny toy, but unless I've missed it, it's not clear how much 'fun money' he has month to month. Does he fritter hundreds a month like you do (not counting you cc payment and pension contribution), or does he put it aside and do a 'big' treat purchase just once in a while?

I don't think it's fair if you're eyeballing his 'spare' earnings for home improvements all the time and feeling resentful if he buys himself a 'toy' once in a blue moon.