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Maternity finances with DP - does this seem fair?

(82 Posts)
Confusedfriend Sat 23-Nov-24 13:53:24

Currently, me and DP live apart. We have been together 2.5 years and planned to buy our own place next year. We only live apart as he lives an hr away and works from home whereas, I need to be in the office in the area I am from.

We have been trying for a baby for a year. I am now 15 weeks pregnant. I plan to put my house for sale end of Dec / early Jan and move in with him before Christmas.

Anyway, we have been chatting about maternity pay. He has created lots of spreadsheets which shows my salary decrease, etc. He has also created a spreadsheet for cashmodellijg and asked me to complete (ie what I need to pay during maternity leave.. things like my car insurance, phone bill etc.).

He said since my salary will be lower when I move in with him, he is only looking for the additional 25% incfease to his council tax (as he won't get single person discount anylonger) and a contribution towards gas/electricity (he isn't looking for half, just what i can afford, he currently pays around £300 per month for just him - he lives in a big old house).

He also said we would both still pay for food as we usually do.. for example we both have a joint account and put £200 each per month for food, joint activities, etc.

This got me thinking the other day.. I asked him why I am to save for maternity and not him. He said he will be paying all household bills which will be a stretch for him. He said moving in with him, I won't have any mortgage or rent to pay and that he is looking for just the council tax, what I can afford for electricity and my usual food contribution. I thought it was fair but here I am thinking about it. Is this fair? I mean, if I pay those things, he isn't paying anything additional as to what he currently pays living himself?

He said maternity leave is a joint cost and he will help where he can buy he is paying all bills so won't be able to fund coffees or lunches during my leave. I'm not asking him to do this but why am I to save up and not him?

Please let me know if you think I'm being shafted or if this sounds fair.

Thanks

Housecraftandcommunitystudies Sun 24-Nov-24 02:11:54

I think for many women it’s natural to feel anxious for security in pregnancy. Are you looking after yourself and do you have a friend you can chat and chill with when you need it? We all do things differently but I’m quite a practical person and if I were to be moving in with someone these days I would speak to a financial advisor and a solicitor if I could afford it prior to doing so. If you’re in a union or professional body check out what they offer members in terms of financial and legal advice. Both the professional body and union I am still in do both. Wishing you all the best.

NannyPT Sun 24-Nov-24 04:29:16

The first thing I would do is contact a lettings agency to see what their view is of letting your house out and for how much it would rent out for. From there you could explore other considerations such as whether you need to convert to a buy to let mortgage and and also tax implications as financially it's not such a good thing to do these days as it once was. Should you decide to let your house out I would always do it through a lettings agency.
I wouldn't worry about all the spreadsheet business- most men have obsessions whether it be fishing, football, computer games. I think your partner just wants to make sure that everything is going to be affordable, I certainly don't think he's trying to shaft you!
Once your baby is here there will untold expenses for the next 20 years or so. Childcare costs are very high and if you have to travel an hour to get to work and an hour back it will be hard going. Is your partner prepared to help?
As for paying for your own coffees and lunches, well chance would be a fine thing with a new baby!!
As long as your partner is reasonably generous with you I don't think you have anything to worry about. I am wondering if your parents like him and any siblings you may have?
Try not to worry and cross your bridges when you get to them but for now you could see whether you can retain ownership of your house so you have a bolthole to go to if it's ever necessary.
I wish you well and hope that you will enjoy your pregnancy.

eazybee Sun 24-Nov-24 07:58:26

Why do you not get married?

Confusedfriend Sun 24-Nov-24 15:48:15

As for love comments, I have said my feelings in the page previous. As for my partner feelings, I know they are words but we both said we feel in love instantly. He tells me everyday that he loves me, he fancies me, he is touchy feely, he says I am getting a version of him that's never existed before. That is because he felt he settled in his last relationship. They were together 7 years and didn't speak about marriage or kids. He was .married sometime ago and we both said after meeting early on that we didn't see the point in marriage but then our feelings grew and both wsnt marriage with each other.

As for childcare, my partner said I could go part time if I wanted or not return but we would plan for that and it would be my decision. I've said I at the minimum would consider pt but I won't give up work. He agreed. He thinks keeping a job will be beneficial. When returning to work, my parents have offered to look after baby 1/2 times a week. I can work from home half of the week and he is solely working from home. My job is fairly relaxed and I usually make my work from home days "admin" days. This doesn't mean I do nothing but it isn't demanding and I could easily have baby by my side. Equally my work offers flexibility too and I am able to start later and finish later or vice versa. My partners role is demanding and he is in a lot of meetings so he can't simply look after baby during working hours. However, alot of his clients are american and he has the option of flexing hours so he is working americsn time. This means, we could plan our week out - who is working lates / early this week and who can look after baby. We have of course said that we need tk see what happens. If it doesn't work out as planned then perhaps we need to look at nurseries or changing something at work. My office in an hr away but my mum lives 5 minutes away and i could easily pop baby at her house before going into office.

He does love a spreadsheet and has worked out childcare costs, additional food, spending etc based on an estimation. He might seen boring with his spreadsheets but he is very sensible, he isn't in any debt - well he has taken out a few loans for hosue work but it's managed debt that he can afford. He earns a very good salary and it mostly goes to his house. The house isn't really suitable for us - it's too rural - isn't a bad thing but hardly any public transport .. not great when we've wanted to venture into the nearest city for a night out or dinner (one always has to drive). Also, the backgarden isn't great for my dog and there's things my partner doesn't like now - shared driveway, garden on a slope, etc. So he has good intentions.

For my pension, he has encouraged me to select a beneficiary as he said itll go to hmrc if I pass. He said he doesn't want it changed to him as he doesn't need it and he wants me to think about my family and if someone there could need it. As for wills, I haven't written one (yet!). He said he said to think about my family and bump and to not name him in my will (unless we own property together) as he would rather someone who needs it could have it or it all goes to our baby.

My family all like him and does my friends.

When I first met, I was unsure of 15 years age gap but I fancied him so much and saw he had good intentions immediately. I only ever get green flags from him. The only red flag is he works alot but his work over allocated him and he has said it needs to change in the new year or he is walking (he is quite senior and a few companies are interested in him). He said this because it's affecting his work life balance and because he doesn't want work interfering with us and our baby when they are here x

Grunty Sun 24-Nov-24 15:58:35

It sounds like a match made in heaven ConfusedFriend; now that you've laid everything out and explained everything fully, I think you can be as confident as it's possible to be that everything will work out perfectly and you can be rest assured of his intentions and the success of your future together.

Madgran77 Sun 24-Nov-24 16:12:34

I might have missed it but has there ever been any consideration of actually pooling all income and then working out from that what are outgoings; savings; day to day expenses; extras etc? That system works for some couples...would it help you?

Skydancer Sun 24-Nov-24 16:17:00

petra

I think the OP is one of those 😉

So do I. Petra.

Allira Sun 24-Nov-24 16:30:46

Madgran77

I might have missed it but has there ever been any consideration of actually pooling all income and then working out from that what are outgoings; savings; day to day expenses; extras etc? That system works for some couples...would it help you?

The best mantra is "What's yours is mine and what's mine's my own" wink

Confusedfriend Sun 24-Nov-24 16:31:56

Skydancer, more passive aggressive. I'm here so please speak freely what you are implying here? Please tell me what youre calling me? Funny when I called out your friend she went quiet too! I've never really understood people that take time to read a post, decide they have nothing to add which will help but decide to post comments which are hurtful or snide. How old are you?

Confusedfriend Sun 24-Nov-24 16:34:22

Yes, we have a... you guess it! Spreadsheet of pooled income when we purchase a home together. The plan is to sell this house next Christmas... we said if that were to change, ie we would be here mich longer (my partner doesn't envisage this, i like to think of all senarios) then yes, I would be on the mortgage and everything would be split equally compared to salary. Our current estimates split is 33/67 based on salary. Him paying the highest share.

Allira Sun 24-Nov-24 16:35:35

How old are you?

As old as my tongue and a bit older than my teeth is the usual answer when someone asks that impertinent question.

Confusedfriend Sun 24-Nov-24 16:36:46

Thanks for advice so far everyone. I'll look into renting my house out as an additional income not for the purpose of what if we split because if I had thay mindset I shouldn't be pregnant! But life happens. I'll look at it as an option and see if it's worth it. Thank you.

Grunty Sun 24-Nov-24 16:58:49

So pleased that you came to a solution and a plan for the future that gives you peace of mind ConfusedFriend. Armed with your finances attuned with your spreadsheets, and a plan for your own house being rented out, it sounds like your problem is resolved and you can look forward to a future as a family together.

Allira Sun 24-Nov-24 16:59:40

Security is the key word when you are expecting a child.

Norah Sun 24-Nov-24 17:09:09

Confusedfriend

Yes, we have a... you guess it! Spreadsheet of pooled income when we purchase a home together. The plan is to sell this house next Christmas... we said if that were to change, ie we would be here mich longer (my partner doesn't envisage this, i like to think of all senarios) then yes, I would be on the mortgage and everything would be split equally compared to salary. Our current estimates split is 33/67 based on salary. Him paying the highest share.

Seems fair.

For me marriage first is always the answer, but you have spreadsheets - whatever makes you happy splitting your home and assets and his tangible assets.

Delila Sun 24-Nov-24 19:09:38

Surely, going into any relationship with another person is to some extent a gamble on the future, but in your case, OP, your OH has done a lot of homework in advance and is giving you more reassurance than many other prospective partners would be able to give.

You love him, you’ve already had considerable experience of living together and assessing how compatible you are. You may find yourself throwing the spreadsheets into the air in exasperation now and then, but there are a lot of positives already. The biggest unknown is how things will work once the baby arrives, but isn’t that always the case?

As others have said, your house is a valuable asset, so it’s probably a good idea to keep it, as you’re planning to do.

Pearl30 Sun 24-Nov-24 20:56:04

He does sound a decent chap and you both appear sensible. I think spreadsheets are a good idea and help plan for the future. Better to foresee what’s possible than to go blindly forth.

You are possibly more concerned about the next year, before you both buy a house together. Thats understandable. It’s a big change and there’s risk. But that’s the same for all making the next big step, into marriage or just moving in together.

It sounds like the discussion has helped you be clearer in your mind. I hoped it’s helped you. Enjoy your pregnancy and the relationship. They say never argue over money! Wishing you all the best.

Confusedfriend Mon 25-Nov-24 15:46:58

It isn't a very nice question and is a bit rude, yes. But two posters are posting implying I'm "one of those" and will provide no explanation and have disappeared when challenged. Very rude and immature.

Confusedfriend Mon 25-Nov-24 15:51:33

I do feel a lot better. I tend to think of worse case scenarios, a lot. I then tend to search old mumsnet posts where the poster has went through similar... and really wind myself up. My partner hates mumsnet and says he noticies a difference in me when I sit and read it. I will look into keeping my house but if that isn't possible or won't be beneficial then I simply will sell as it'll only cost money and I don't wsnt to live seperately from my partner, especially after giving birth.

I think alot of the nightmare posts I have read is people who have rented and then moved in with their partners and don't have savings. They then sometimes give up work to look after said child. Me on the other hand, any money from sale of my house is mine to keep, I have friends and family, I also have savings that are not joint but are solely and only mine, and I can survive on my income alone, I don't need his money. Ahhh hormones have me getting all emotional and thinking the worse. Thanks everyone. We are having a chat tonight about maternity finances... instigated by me. Thank you all.

Confusedfriend Mon 25-Nov-24 15:54:53

Still waiting... one of what??

Or do you Just vanish after typing snide??

Trolls, who would have thought they'd be on gransnet. I'm embarrassed for you.

Confusedfriend Mon 25-Nov-24 15:56:14

petra

I think the OP is one of those 😉

..... tick tock 🤷🏼‍♀️🤷🏼‍♀️

Smileless2012 Mon 25-Nov-24 17:19:59

I'm glad that posting here has helped Confusedfriend smile.

Smileless2012 Mon 25-Nov-24 17:34:14

Seeing the thread you've just started about your partnersboyfriend's search history and your concerns about Tess, are you sure you want to go ahead with his relationship Confusedfriend?

Confusedfriend Mon 25-Nov-24 19:49:35

I call my boyfriend my partner at times and vice versa. What's the issue? I haven't lied and called him my husband or anything like that.

Whats it to do with you what I call him?? It's the same bloody thing

Smileless2012 Mon 25-Nov-24 20:02:06

As I've reported both threads, I'll be guided by GNHQ.