Arguing on the thread and some posters taking the moral high ground and then others "taking sides" isn't going to help. I can agree with the poster that said there is a certain frustration related to the OP "going around in circles" but I think OP you should maybe ignore some posts that are unnecessarily nasty in content.
I did wonder if you were too embarrassed to mention money and of course the longer you have avoided this the worse it is. But I notice you say that when you have mentioned money, it has ended in disaster and as Hampersterdam asks, what exactly does this "disaster" look like and I agree that people tend to "close down" situations that they don't want to discuss by a variety of strategies, dependent on the individual.
You really are between a rock and a hard place aren't you. Presumably the ideal situation would be DH moving in with you, contributing a reasonable share of household expenditure (taking into account your higher earnings) and maybe having his children to stay every other weekend, or even the same arrangements as now - one "sleepover" - please be assured I am not making judgements or criticising you. I am SM (but thank god they are grown now with their own families) but I had years of unhappiness and they didn't live with us full time, but it caused massive arguments/tensions between myself and DP.
I think the fact that you are worried that he would end the marriage if you come out and say he can't move in - and presumably that's why you are stalling. You could ask what his reaction would be if you did take that course of action. Maybe you can carry on as you are (people live in all sorts of different situations these days) and I absolutely agree that accusations of you "hating your step-children" are unnecessary. BUT you are wary - I don't want to add my voice to those that are castigating you for marrying this man, but can I ask, what did you hope would happen in relation to living together and his children living with you 50% of the time. Did you actually agree to that? Sorry if that has already been covered.
The finance issue is important (not about him not buying wine or milk) and contributing towards holidays, but surely it must raise doubts in your mind about his motivation to move in with you - is it in fact based partly on finance, in that he would obviously not have the expenditure on his own property, and on the basis that because you earn more, he would not have to contribute and have his children with him for the same amount of time that he does now. Do you worry about that? You might not want to say especially as so many posters are being so judgemental about you and your situation.
Someone suggested counselling and I think this is possibly a good idea. How do you think DH would feel about that - you don't say very much about what sort of man he is, his temperament and disposition, but many men don't like the idea of talking to a stranger. BUT it would enable you to bring up the issue of money and it would be the job of the therapist/counsellor to help guide the 2 two of you to unravel what is really going on here. IF you do this, you would have to be prepared to be honest with the therapist as they can't help unless you are. You could admit to being embarrassed about talking money (and the disasters when you do) and if DH tries to "close the topic down" then the therapist would be able to explore his underlying reasons for this reaction.
Even if you sort finance - there is still the step-children and I think that's really difficult. I do absolutely understand your reluctance and think you are right to be wary - maybe at the end of it all it really does come down to a choice:
- You "give in" and DH and children move in (the latter for 50% of the time) and the financial issues are properly discussed and sorted (or not).
- You carry on as you are and it just becomes the norm. Finance discussed (or not)
- You tell DH it's a NO and he ends the relationship.
I think with 1 you are going to feel very resentful over time about his children and you losing control of your home and possibly the financial issue. Surely he wouldn't expect for him and his children to live totally free and at your expense. If so would you really not be very concerned about such an attitude.
- Probably the best option for you at the moment but not DH
- You are going to be heartbroken and if he issues you with an ultimatum - you might give in, only to find everything goes wrong but he's not going to move out.
YEP - you should try counselling! Look on BACP website (British Assoc Counsellors and Psychotherapists) and you will find many in your geographical area. If you do go down this route, remember that a good therapist will use the first session to see if you are going to be able to work together, and you need to feel emotionally safe enough to be honest. Sometimes you have to try more than one therapist.