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My husband and I have a good income and share an account. The problem is that we always seem to have less than we did when we had separate accounts. I reviewed bank statements and the culprid is his many withdrawals for cash. He'll take 60 bucks out of the account and then the next day the money is gone. He's not using that money for necessities (including smoke and booze) - uses interac for that and I don't know what he does with the money. He is vague or evasive on what the money goes for. To make sure we have enough for our bills I hoard my money as long as I can before I put it into the account to make sure our bills get covered. Yesterday he complained that I don't make deposits often enough. I wait until we need the money in the account then make deposits. That angers him. I'm suspicious. He might be gambling (he loves to buy lottery tickets) or just careless about how much he spends. He refuses to talk about his spending. I've decided we should split our bills and the surplus from either of us is to be retained in separate accounts. That angered him but he wouldn't say why. He's in a stew about it and is giving me hostility. He refuses to adhere to a budget and I'm tired of working hard only to see the money getting frittered away. Is it unreasonable for me to want to have separate finances? When we do there's always a surplus. He also gives me hostility about the money I give to a 20 year old daughter who is too ill to work or go to school. We can afford this and I have no choice - she lives with her Dad but he needs my help. What should I do? In the last year he had three surgeries and was off each time for five weeks. I covered the bills and he reduced his spending during that time. We even came out with a surplus at the end of those periods of his unemployment. I'm wondering if he's got an account I don't know about and may be salting away money in a place I don't know about. I feel like I'm his whore and he's my pimp. What can I do if he won't come clean about where the money goes? I can't confront him because I don't have any facts (except his many cash withdrawals) to back up my suspicions. I have my clients pay me by cheque because cash disapears from my purse. ARRGGG. So frustrating and so irritating to live with his lack of forthcoming with information. I want to nail this guy on his spending but he's as elusive as an oiled eel. Sometimes I slide into denial to keep the peace but now I'm just sick of the whole thing. I no longer have the patience to let this issue slide. Would welcome anyone, anyone who has any advice on this. I believe in the mutuality of marriage but it's costing me too much.
responses (6)
I have always had a separate checking account for bills etc. My ex-husband was a spendthrift on nonsense while I had to pawn jewelry to buy X-mas gifts (he is a doctor by the way)....no excuse except his manic spending......that is a major reason why we got divorced.....that and his affair....but that's a whole other post....
I agree with new-name.....I would immediately set up a new account and start putting all your bill money and as well make him give you half the bill money for that account.........and either write checks or do on-line bill pay out of that account....because the last thing you need in addition to dealing with an ill child and a spendthrift husband is bad credit.....or as you suggested, split the bills, but will he be accountable to pay those assigned to him? If a bill isn't paid it will probably go against your credit rating as well as his...Also, I do not carry cash, or very little, a couple of dollars or so, as I use my debit card....you would have to make sure that debit card is password protected (with a password he won't guess)....
Just thinking very quickly as I read your post, my thought would be once his source of what he perceives as limitless funds dries up, his addiciton or whatever he is spending money on will perhaps surface as his need for the extra cash increases....kind of a subtle way of putting the squeeze on him without a huge confrontation, or nailing him as you put it.....I would be more concerned at this point about making absolutely sure bills are covered, and in no way would I allow access to any more of your money until this is all sorted out....and well he is just going to have to be angry about that until he is willing to talk...then perhaps you can discuss an allowance of some sort for his petty cash spending....it is going to be up to you to set the budget and stick to it.
If you need help, I recently took a Dave Ramsey money management class that was pretty good.
Just some thoughts.....but I agree you have a right to be concerned....I'm also thinking his anger is surfacing because he is hiding something he doesn't want you to know.
I'm also wondering if his anger is a way to deflect attention away from himself so I have the issue of anger to deal with instead of the facts???
OK, I think you may have hit on something. This really resonates. I agree with all the advice about separating out the accounts. My husband and I have one account for household, then we each have our own accounts for all else. We each put money for bills into that one account. But maybe you need to make it as difficult for him as possible temporarily to see what comes out.
In the 15 years we've been together we have never maintained anything other than separate bank accounts. My husband is a real head case were money is concerned. It's a whole lot easier to live this way. We've have loosely just decided who is covering what household expenses and live like that.
He is really cheap too. So I'm always waiting for him to get the groceries, then I make up all the good stuff.
It works for us. His money is his, mine is mine. We each maintain our own vehicles.
Marriages in mid life are very very different than the marriages of our youth. Ain't they?
I've had two husband's and both have been very good at spending! I tried joint accounts with both only to have money disappearing and bills not paid - so I changed to separate accounts with them paying into my account and I paid the bills from there. Now I have a joint chequing but transfer our salaries into another savings account that he can not touch and 'drip feed' the chequing so bills are paid. That way I have control of the amount that is withdrawn and know the bills get paid. he gets grustrated sometimes but tough - I'm not going into debt because he wants to spend money on 'toys'!!! Stay strong and separate your money from his. Divide up the bills between you and have his or your name on them then he is responsible for his and you for yours.
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