Okay Ladies......I Want to Hear on How the Bills Are Paid in Your Household....

Updated on June 06, 2009
S.W. asks from Jacksonville, NC
3 answers

My husband and I were talking. We starting talking about bills. I have a friend that is on the verge of divorce, and they now have have separate bank accounts. He pays all the bills and she pays him "x" a month. After mentioning this to my husband, he says many couples do this. I asked him if his "friends" do half of the housework and he says "yes", he hears about them cooking.

Here is my question....or problem. I had my first child at age 23, and that first marriage ended when the child was around 3 or 4. Before I had my first son, I didn't go to school ( my mistake) to make a career, I just worked to make a living. Then my ex, wanted me to stay home to raise our child, which was fine for me..........that is what I wanted and loved it. By the way, my "first baby" is a straight A student, helps babysit, cleans house, in his 12 years of school.. all of his teachers do nothing but brag about how wonderful he is......yes it's true...I do have a 17 year old angel. But I got divorced(because my ex thought it was more fun to smoke pot and drink than stay home with a wife and kid), and started working to support my son and myself when that happened. I didn't go to school, just took work were I would be most available to my son. A few years later, I met my now lovely husband.....I worked till I was 5 months pregnant........then started back to work again when that child was 2. But I worked nights and weekends ( full time hours),........so I could still be a full time wife and mother. Then a few years later I was pregnant with my third child which I worked up until I was 8 months pregnant.......and went back 3 months later as part time. By the way.....this work...is being a waitress. Still working nights and weekends............doing 90% of the cooking, cleaning, the whole 9 yards. Anyway, my husband....has had a few jobs.....trying to find one to support our family........has took many jobs.....moving up.....but to do this....includes overnight trips......several day trips.....many schools and classes.......putting forth 100%......not being available for any, I mean any doctors, dentists, school, anything like that for the kids.......had a wife to take care of everything....so he could advance in his work. Then you have me still taking care of the entire household......working nights avoiding daycare (and sleep)....if you add what I make...plus what we would have to pay for daycare if I worked days working full time, would be less than what I make part time nights...and I am still available to bring things forgotten by hubby or kids, appointments, sick kids, and being their for the baby which is now 3. Anyway......since I was 23.....now 40......I have been taking care of kids....household....etc........working nights part time....to avoid daycare and bring home decent money, but not near as much as hubby. I will be 55 when my "last baby" is 18. So between 23 and 55.....I will be have been taking care of kids. By the way, my hubby was 41 when he "we" had the first child. So, since I have only been trying to make a living....putting my kids and family first....my husband has been trying to advance to support his family..........................................................
Now we are talking about spliting up the bills..........
I can not afford half of the bills with what I make. I have always felt like what I do is worth something......much more than money can buy......... But he always makes me feel like I do nothing. Like everything that I do is not important. Our middle child is labeled "LD" and our 3 year old is having the same problems. I spend many hours with the middle child.....it would be so much less if I worked full time days and would break my heart.

So how do I go about spliting up the bills down the middle?? I take care of the full household.........and work part time nights. How can I compete with a man whose had no children until he was 41? Me, since I was 23. We have been together 11 years. Unless I hit the lotto.....I can't make as much as he does. He always talks about how important everything that he does is.....which it is,.......he makes me feel like everything I do is nothing.

Please any advice would so much be appreciated!!!!!!

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Smallavatar-fefd015f3e6a23a79637b7ec8e9ddaa6

M.M.

answers from Jacksonville on

We have never split anything. He is a Marine, I a SAHM. If we need to buy something more than say $100 we talk about it and mull it over unless it is a gift then sometimes we splurge. I manage all the bills in the house. If the children need something they usually get it.
My hubby had his chance at bills the first four months we were married. After he messed up so bad I took over and now he hasn't a clue what electricity or water or house payments are. It works for us. If he truly wants something really bad, the boat motor, I save and scrounge and get together enough for a downpayment.
We are a we, not a he and she. I pray for your family and your relationship. Maybe some counseling will help. If he won't go then you go and see if it helps.
Good luck and God Bless.

2 moms found this helpful
Smallavatar-fefd015f3e6a23a79637b7ec8e9ddaa6

B.L.

answers from Jacksonville on

I hardly know where to begin with this. It doesn't sound like there's much love or respect in your marriage. You say that your children are your sunshine, and he's just a provider. That's the first problem; it's more of a financial partnership than a marriage.

From what I've seen, people who have separate accounts aren't usually happily married: it's an I and I relationship, instead of "we" (my parents have separate accounts, and have been married 40 miserable years). I once heard Dr. Laura say to a caller who was asking a similar question "If you cook dinner, are you the only one who gets to eat it since you cooked it"; just as since he makes more money, should he get to decide how it's spent or whatever?

I think that first of all your marriage needs some work, then you could start working on the finances.

Truthfully, my time at home, making a home for our family, is more valuable than whatever low-paying job I could get right now. It wouldn't be worth the extra stress, tiredness, extra taxes, expenses (driving to work and such). It seems that he sees you more as a paycheck than a helpmeet, companion, equal partner, lover, best friend, etc.

I work hard to manage our money so that we are able to live comfortably on one income: only shop sales, do without cable tv or cell phone plans or preschool or much dining out, or costly entertainment, or new electronic gadgets, or car payments, etc.

Laura Schlessinger has a book called the Proper Care and Feeding of Marriage; if he won't read it, at least read it yourself. It would be a lot less money than marriage counseling. Maybe it would be at the library.

And, Dave Ramsey is a financial guru who teaches people how to get their finances in order and make their money start working for them, rather than being slaves to debt. He's on AM radio, or you could probably find his book the Total Money Make Over at the library.

I wish you all the best, and hope you can find peace in your life.

1 mom found this helpful
Smallavatar-fefd015f3e6a23a79637b7ec8e9ddaa6

A.P.

answers from Jacksonville on

S.,
Please, Please, Please do not make the mistake like I did of separate accounts - this is mine this is yours. The money should go into the same account and both of you discuss what is to be done with it. There should be no splitting of the bills. Don't make the mistake of thinking that you are any less than him because he holds a more important position. Your work and your dedication to your family is just as important. I say all the above because I have lived in the situation and it is not pretty at all. My case may have been extreme but if you ever stop working or get overwhelmed at all you will still be expected to pay your half of the bills, debt, whatever. Just like everyone else there is no I, there should only be a we. And with that being said, always - always -always have something set aside for yourself just for an emergency. Dave Ramsey is wonderful to listen too. He can be found on the Fox Network at night. I can't wait to scream "I'm Debt Free".

1 mom found this helpful
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