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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 do you know when it’s time to call it quits?

25 replies

NotYourAverageGiraffe · 21/01/2026 20:10

Also posted in divorce / separation for traffic / advice as I’m really struggling.

Honestly. I don’t know how much more of this bullshit I can take, yet the alternative is terrifying.
Ive been with my husband 21 years, since we were 17 and 18. Married 14 of those, 2 children aged 18 and 12.
We were great for a long time. Until we weren’t.
Im pretty sure I’ve been a victim of financial abuse and emotional abuse. Luckily never physical abuse.
I’ve always worked part time around the children. Even now im not quite full time working 30 hours. I used to do 12, then increased to 18, then to 24 and now 30.
He has always worked full time, worked for a qualification and worked his way up the ranks. We used to get full tax credits when our income was low which went into my bank as I paid all the kids stuff. We’ve always paid certain bills each based on our incomes. Tax credits and child benefit was factored into this initially.
As his income increased quite rightly our tax credits decreased. This reduced the availability of money I had access to. He refused to take on more of the bills as his wage increased, instead paying more into his private pension. I didn’t have a private pension at this stage as couldn’t afford to.
As a result I got myself into around 8k of credit card debt. Not good at all with 2 kids to support. Lack of finances available to me also meant I was walking 2 miles each way to and from work as I couldn’t afford a bus! I had gaffa tape holding my shoes together along with other horrid things.
Things slowly improved as I started to earn more and I was finally credit card debt free about 2 years ago after 12 years of having it. It’s still very much his money and my money though and I often have to go without it things such as new glasses prescriptions or dental work as I just can’t afford it. I pay more in food and energy bills a month than he does on mortgage and council tax!
I have recently found out he still has his mom as his beneficiary on his private pension if something was to happen to him, which I’m fuming about as I put him as mine as soon as I could afford to start one.
The emotional side is hard too. When I was diagnosed with postnatal depression after our children were born he laughed and said it’s all in my head and it’s a made up illness. He has also used a significant traumatic event I went through 3 years before I met him against me, said that’s why no one likes me and I have no friends, and says no one will like someone with depression who struggles to do anything other than go to work then rest at home.
He’s laughed at my weight, asking if chairs will support me. My BMI is about 32 so I’m overweight but not to the point a chair will not support me. He’s told me no on else would ever want me. That I would end up alone if I left him and I’d be on the bread line. He’s often starting an argument then twisting it saying I’ve done it.
We were watching a tv show recently where cheating on partners was mentioned (I forget the context now) and I said it’s disgusting if someone cheats and he kind of smirked so quickly that if I wasn’t looking I would have missed it but then he said “it’s more common than you would think”. I asked him if he had cheated and he said “I can’t believe you’ve asked me that” and wouldn’t speak further. Now I’m worrying whether I need to get an STI check. I’ve only ever been with him, and he says he lost his virginity to me too so I never thought that would be something I’d have to consider.
Yet despite all that above (and there is more but I don’t have the head space to type it) he can have moments of being lovely. I always get a lovely gift on my birthday and Christmas. We always have a lovely foreign holiday a year.
He’s an amazing dad. The kids never want for anything when he’s around and he clearly adores them.
I just don’t know how much longer I can cope, being with a man who appears to despise me, doesn’t respect me or see me as an equal. financially I’d be fucked though, I don’t earn enough to rent or pay a mortgage alone let alone all other bills.
I really do feel stuck right now, and as stupid as it sounds, I still love him 😢

OP posts:
The1in21and16 · 21/01/2026 20:17

You have answered your own question.

The fact that you are posting on here asking about it, is clear proof that your relationship is over in your eyes.

Vaxtable · 21/01/2026 20:22

Find all the paper work you can relating to finance, pension insurance etc etc. then Go and see a solicitor and see what you are entitled to. You would get maintenance for the youngest. And would be entitled, I would think, to half the house, his pension and savings he has

Then once you have your facts you can work out a way forward

UninitendedShark · 21/01/2026 20:25

When you ask that question it’s usually time.

He sounds awful. Half of his pension is yours btw.

Legomum789 · 21/01/2026 20:32

Oh my goodness, we have a lot in common. I left the father of my 3 after 30 years. It was a very bumpy ride and several times I thought I’d give up. 3 years down the line I’m more content than I’ve been for a very long time. The feeling of freedom is tangible. It wasn’t easy but it was worth it.

Endofyear · 21/01/2026 20:54

No matter how many times I read it on here, I'm always shocked - he is NOT an amazing dad - an amazing dad does not treat the mother of his children the way this man treats you. An amazing dad sets a good example of how to treat the person you're in a relationship with.

OP you have been the victim of financial and emotional abuse for FAR too long. He has ground you down and done everything he can to undermine your confidence, your well-being and your autonomy. And he's done a good job because you're still grateful for the odd times that he acts like a reasonable human being!

I suggest you contact Women's Aid and find out about the Freedom Programme. You deserve to live a peaceful life, free from abuse. Being single isn't a terrible thing and it's infinitely preferable to being in a relationship with someone who's cruel and abusive. If you leave, you're showing your children that they should not ever stay with someone who treats you badly. I know that's what you would want for them - want it for yourself as well.

Get legal advice and make a plan to leave. You can have a much happier life if you reach out and grab it.

bigboykitty · 21/01/2026 20:59

He sounds like a complete cunt @NotYourAverageGiraffe. Please don't put up with this awful treatment anymore. Can you access counselling and seek some legal advice. You need to plan and organise yourself for leaving because he will be absolutely vile. You won't look back.

usaywhat · 21/01/2026 21:00

Him stuffing his pension whilst you have no transport and broken shoes. What a wicked cunt. Divorce him and you might get some of his precious pension. What an awful piece of shit.

by the way, a good father doesn’t abuse the kids’ mother.

NotYourAverageGiraffe · 22/01/2026 16:26

Thank you for all that took the time to reply.

It’s so bloody difficult. My life is so tied up in his. I wouldn’t know where to start with dismantling it all.

Financially I wouldn’t know where to start, I wouldn’t be able to afford rent alone where we live and I certainly wouldn’t be able to afford a mortgage alone, so that is a big fear.

The pension thing makes me even more angry, we’re were chatting about retirement the other week and he said he plans to stop work at 55 as he has worked out a plan to make it affordable. I asked if that means I’d be able to leave at 55 too, especially as we may be able
to reduce some capital in the house by downsizing and he just laughed and said no, that id probably need to work to retirement as his pension will only cover him and the capital in the house will be from the savings element he put into it before we were married.

I think my Dad knew years ago something wasn’t right. Even on my wedding day in the car to the church he said to me “You can still change your mind now, we could drive away and not come back”.

I’ve got some serious thinking to do now

OP posts:
Princessoflitchenstein · 22/01/2026 16:33

NotYourAverageGiraffe · 21/01/2026 20:10

Also posted in divorce / separation for traffic / advice as I’m really struggling.

Honestly. I don’t know how much more of this bullshit I can take, yet the alternative is terrifying.
Ive been with my husband 21 years, since we were 17 and 18. Married 14 of those, 2 children aged 18 and 12.
We were great for a long time. Until we weren’t.
Im pretty sure I’ve been a victim of financial abuse and emotional abuse. Luckily never physical abuse.
I’ve always worked part time around the children. Even now im not quite full time working 30 hours. I used to do 12, then increased to 18, then to 24 and now 30.
He has always worked full time, worked for a qualification and worked his way up the ranks. We used to get full tax credits when our income was low which went into my bank as I paid all the kids stuff. We’ve always paid certain bills each based on our incomes. Tax credits and child benefit was factored into this initially.
As his income increased quite rightly our tax credits decreased. This reduced the availability of money I had access to. He refused to take on more of the bills as his wage increased, instead paying more into his private pension. I didn’t have a private pension at this stage as couldn’t afford to.
As a result I got myself into around 8k of credit card debt. Not good at all with 2 kids to support. Lack of finances available to me also meant I was walking 2 miles each way to and from work as I couldn’t afford a bus! I had gaffa tape holding my shoes together along with other horrid things.
Things slowly improved as I started to earn more and I was finally credit card debt free about 2 years ago after 12 years of having it. It’s still very much his money and my money though and I often have to go without it things such as new glasses prescriptions or dental work as I just can’t afford it. I pay more in food and energy bills a month than he does on mortgage and council tax!
I have recently found out he still has his mom as his beneficiary on his private pension if something was to happen to him, which I’m fuming about as I put him as mine as soon as I could afford to start one.
The emotional side is hard too. When I was diagnosed with postnatal depression after our children were born he laughed and said it’s all in my head and it’s a made up illness. He has also used a significant traumatic event I went through 3 years before I met him against me, said that’s why no one likes me and I have no friends, and says no one will like someone with depression who struggles to do anything other than go to work then rest at home.
He’s laughed at my weight, asking if chairs will support me. My BMI is about 32 so I’m overweight but not to the point a chair will not support me. He’s told me no on else would ever want me. That I would end up alone if I left him and I’d be on the bread line. He’s often starting an argument then twisting it saying I’ve done it.
We were watching a tv show recently where cheating on partners was mentioned (I forget the context now) and I said it’s disgusting if someone cheats and he kind of smirked so quickly that if I wasn’t looking I would have missed it but then he said “it’s more common than you would think”. I asked him if he had cheated and he said “I can’t believe you’ve asked me that” and wouldn’t speak further. Now I’m worrying whether I need to get an STI check. I’ve only ever been with him, and he says he lost his virginity to me too so I never thought that would be something I’d have to consider.
Yet despite all that above (and there is more but I don’t have the head space to type it) he can have moments of being lovely. I always get a lovely gift on my birthday and Christmas. We always have a lovely foreign holiday a year.
He’s an amazing dad. The kids never want for anything when he’s around and he clearly adores them.
I just don’t know how much longer I can cope, being with a man who appears to despise me, doesn’t respect me or see me as an equal. financially I’d be fucked though, I don’t earn enough to rent or pay a mortgage alone let alone all other bills.
I really do feel stuck right now, and as stupid as it sounds, I still love him 😢

You will get at least half.

Divorce isn’t easy but my god over a decade later I can honestly say I have a life and home and I’m happy.

I met someone else.

You do know that you could see a solicitor next week and file for divorce and you will have half of everything pension, house the lot. You sadthankfully you never had physical abuse’ I read your story with tears. He is a vile vile vile abuser and your solicitor needs to file on those ground. I would literally take the children and go if you can. If he has documents (savings pension or anything) I would be as underhand as possible and get copies of everything he has. If that means rifling through his post and invading his privacy and screenshotting the lot / I would and give it all to my solicitor.

In your case he abused you whilst he could and built up his employment and pension so I would be wanting at least 50% but asking my solicitor fo a 75/25 split in my favour. Don’t ask, don’t get. Family money is your money.

Can anyone let you live with them for 6 months and divorce him?

AttilaTheMeerkat · 22/01/2026 16:35

The only acceptable level of abuse in a relationship is none. And as you have been abused by him your relationship is to all intents and purposes over.

What did you learn about relationships when you were growing up?. You met this man when you were but a child so you've really had no life experience of actually not being in a relationship.

How has he been a good dad exactly?. He's let you go without whilst he stuffs his pension (half of which is yours) at your overall expense.

Women in poor relationships often write the good dad comment when they can think of nothing else positive to write about their man. Just as you and so many others have done here on these pages.

What do you want to teach your kids about relationships and just what are they learning here from you two?. This is patently no relationship model to be showing them for them to potentially emulate in their own lives when adults. You would want better for them and you deserve better also believe it or not.

Make an appointment with a local firm of Solicitors and seek their advice re all aspects of separation and divorce. He is unlikely to make the whole process of divorcing him at all straight forward because he is abusive but I would push on with divorce all the same. You and your kids need freedom.

AttilaTheMeerkat · 22/01/2026 16:37

Your kids all too clearly see their dad's overall contempt for you. And they do not adore him so much as fear him because they do not want to be on the receiving end of his abuse. They are probably both very quiet and subservient to him in your household.

LeftieRightsHoarder · 22/01/2026 17:13

OP, he’s a disgusting man, a bad father and a financial abuser. You’ve been abused for so long that it’s become your normal. If you broke free of him, you and DC would be so much happier without his miserly, controlling and insulting presence.

Your dad sounds wise and loving, and would probably help you in any way he could.

Please get away from your abuser xx

bigboykitty · 22/01/2026 17:57

His pension is actually a marital asset, @NotYourAverageGiraffe so he'll be laughing on the other side of his face when you divorce him and take half of everything.

WatalotIgot · 22/01/2026 18:05

Just do it: Leave as soon as possible after contacting Womans Aid, getting an STI check and seeing a solicitor. Before saying anything to him or arousing his suspicions find your marriage and birth certificate, passport, driving licence, copy of any insurance policies, pension documents, bank statements for both of you and put them somewhere safe, i.e. with a friend or your parents (if they are still alive). If you have problems locating any of his financial accounts ask the solicitor about a forensic accountant.

Zanatdy · 22/01/2026 18:06

You’ll get half the house and half his pension. No way I could stay with a man who treated me like he has. What kind of man lets his wife get into debt and has shoes falling to bits and can’t afford the bus. Well his retirement plans will be down the ditch when he is divorced. You stay with him and he will stick to his word on him retiring at 55 and you working until 67-8. And he is not an amazing dad, far from it.

WatalotIgot · 22/01/2026 18:06

Forgot to say go onto the Land Registry site and put a note that you want to know if any action happens on the house documents.

peonysinthesun · 22/01/2026 18:13

Divorce him and take half of everything. Even if you end up renting a little 1 bed place, your life will end up happier and peaceful. He probably doesn’t believe you’ll ever leave him so you need to get things sorted quietly and hide it from him.

Beachtastic · 22/01/2026 18:13

I do hope your DF is still alive so that he can see you break free from this miserable trap, OP 💗

Rosie2120 · 22/01/2026 18:16

He is abusive
Just because he has lovely moments of buying you gifts (which is called love bombing) and is okay with the children doesn't make it okay how he treats you with such contempt? Why is he so angry at you, because that is how it sounds? You are meant to be a partnership, instead he lets your struggle and puts you down

I understand how hard it is. I'm also in an abusive relationship. It is so hard. It's hard to leave it's hard to think about, I get that. Regarding finding somewhere to live would you be able to contact your council for support/ womens aid? Are you parents able to support you at all?

Buffmuff · 22/01/2026 18:51

Sorry you are going through this. He has used you to help set him up financially in life. When I divorced my husband, I actually ended up better off. I worked part time and had a government top up as I was a single parent. My exh had been abusing me financially through secret gambling for years before I realised. If you check benefits checkers online, they will estimate how much support you could access. The kids dad has to also pay maintenance, as will yours if he doesn't have your youngest 50/50 overnight stays.

Purplecatshopaholic · 22/01/2026 19:04

Jeezo op, he sounds bloody awful. I know it’s scary given how long you have been together, but do you really want to put up with this uncaring, unpleasant man any longer? Hes not going to get any better, he has no respect for you, you know. Do yourself and your future a favour, and get advice about how to LTB. I don’t say that lightly but your life just sounds miserable and it doesn’t need to be. You are married, you’ll be entitled to quite a bit you know - make damn sure you get what you and the children are entitled to. Here’s to a happier 2026 op.

Cadenza12 · 22/01/2026 19:10

Get some legal advice. Your lives can become disentangled. Once the dust has settled you may even be better off.

Maryberrysbouffant · 22/01/2026 19:34

Christ this is awful, I was in the same position financially in the sense that he earned more/I worked p/t etc and we made some mistakes like not paying into my pension, but he’s never let me go without and I’ve always had full access to the joint account.

What’s going on here is he’s financially abusing you and you need to get out of this situation.

Maryberrysbouffant · 22/01/2026 19:38

Oh, and if you divorce him rather than wait for him to die you’ll get half his pension so beneficiaries won’t matter!

Bonkers1966 · 22/01/2026 19:41

The worst thing you can do now is nothing. Start with some sort of free legal service then go from there. Please be careful. Keep your powder dry. This man will destroy you if he discovers you have plans to escape.

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