We have separate bank accounts (and to all intents and purposes, separate lives, but that's a whole other subject).
As it stands in terms of household bills, each month my husband pays the mortgage (£1300), the gas/electricity (£85) and the broadband (part of which is reimbursed by his employer).
I pay Council Tax (£270), Water Rates (£51), insurances (£60) and food (around £500). I also pay a 0% credit card which has been used for joint purchases (£250).
Our mortgage is paid off in two months time, and I have asked my husband what he thought would be fair in terms of finances after that.
He looked dumbstruck, and said "well nothing will change, but I can "dump some extra money into your account towards food". "
I feel that as it is a jointly owned house and a joint mortgage, once the mortgage has been paid off, we should benefit equally from not having that outgoing, and that we should each have half the amount of the mortgage amount each month. Therefore he should transfer half the mortgage amount to me each month. After all, I will still have to pay all the bills I am currently paying. Apart from the credit card, "my" bills are not going away.
What do you think - am I being unreasonable? He says that "we" can both spend the money we save on the mortgage payments, but as we don't have joint accounts, as far as I can make out, that means I'd have to go cap in hand to him each time I wanted to buy something. I absolutely don't want to be financially beholden to him - I want my own financial independence.
(Maybe I should just get him to take on responsibility for all "my" bills.)
HurdyGurdy Sat 18-Sep-21 21:31:42
tanith Sat 18-Sep-21 21:43:10
Nonogran Sat 18-Sep-21 21:46:42
Septimia Sat 18-Sep-21 21:53:38
FarNorth Sat 18-Sep-21 22:06:27
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Welshwife Sat 18-Sep-21 23:23:27
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Norah Sun 19-Sep-21 17:52:28
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