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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

Allira Mon 25-Nov-24 20:03:10

Smileless2012

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

Yes, so have I.

mabon1 Sat 11-Jan-25 20:53:22

At all costs hang on to your own home as you are not married. Anyway even if you are married don't sell it, rent it out, it's your security.

Skydancer Sat 11-Jan-25 21:29:40

Cold

You might get better replies on Mumsnet rather than Gransnet for grandparents.

I agree. This site is for grandparents.

NotSpaghetti Sat 11-Jan-25 23:39:47

I would seriously look at the possibility of renting out your property- I think you said you thought you needed more equity?
Maybe you don't?

I would also ask do I truly love and trust this person?

If you do, and he is trustworthy, why would he be out to rip you off?
Planning the baby before the living arrangements is sort of odd to me. Babies are a terrific emotional, practical and financial upheaval.
I don't understand what it is about your relationship that made this your choice.

I also think that we all behave differently.
Some people need to feel they have financial independence within their marriage but neither of us cared.
I was lucky in that we both started with not a lot - but when I inherited it never occurred to me not to put it onto a joint pot.
Having worked in refuge with women fleeing abuse however I can see positives to keeping some money apart!
No one can really make the decision for you unfortunately.

I wish you well for the future but think you should try living together before you make any irreversible changes. Part time living together is very different to full time.

mae13 Sun 12-Jan-25 03:13:22

Norah

Perhaps marry, stability for your new family?

Keep your home, make sure (solicitor) it's protected at yours.

Fully agree.

He seems to have invested a tremendous amount of thought and effort into workìng things out very methodically, spreadsheets galore, et al. From the info given it seems the future has been meticulously structured to his advantage, leaving the OP with a feeling of uneasiness and not a few question marks.

A marriage certificate would go some way to legally clarifying the situation and affording OP some neccessary legal security. That's the priority word here: SECURITY.

Allsorts Sun 12-Jan-25 03:44:53

It's like a business arrangement and it's a pity couples don't get married before having a child. Getting wed shows commitment to each other and gives you rights you don't get as a single mom. Having a child is the biggest and most important life changer, you never stop being a mother. .. As it is keep your own home , rent it out if he doesnt want marriage, it wouldn't do for me, I would be worried why not and probably choose to go it alone and leave him with his spread sheets.