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Just need some insight please?

tankh21's picture

So if your spouse/SO wants you to make a financial decision because they think it's better for the family but you dont agree or don't want to do it. Then they tell you well if you don't fix it I will. Would you feel there is something shady going on or that this person is only with you because of money? Or maybe they are just controlling? Please give me some insight on this?

Comments

nengooseus's picture

If my partner and I don't agree on something, he doesn't just do it regardless of what I think.  And if he did, he wouldn't be my partner.

I think I've asked this before, but what are you getting out of this relationship?

justmakingthebest's picture

Making a financial decision can be a very broad spectrum. Does this have to do with paying bills or setting a budget or is this something that he/you want to splurge on that is a "want" not a "need"? Is this a major purchase like a home or car, or is this something minor in the long run but a pain in the butt right now?

If my partner felt strongly that this choice was going to better our family and I disagreed I feel like that is when you get a 3rd party financial advisor involved. You can talk to your local credit union, or accountant or other financial professionals for advice. I don't have all the answers and neither does my partner, but we respect eachother enough to get all the facts if something in major and come to an agreement together. 

Blue Moon's picture

Some good advice I once got was that if one person wants to do something, and the other person does not, the «No» must win. That way, both parties are comfortable with the way things are going.

lieutenant_dad's picture

That seems really flawed.

"Hon, we need to stop spending $200 a visit taking your kids out. We're $4,000 in debt from it."

If the other spouse says no, is it really okay when that spouse is negatively impacting the other?

Blue Moon's picture

In your example, the action is actually spending $200 a visit on kids.

So if one spouse does not want to do it (or keep doing it), then it should stop. Provided the other spouse is affected by the spending of course.

Other examples: One spouse wants to move to another continent...

One spouse want to have an open marriage...

One spouse wants to buy a luxury car (if finances are shared)...

IF the other spouse does not agree to that, then the answer is no; and things stay as they are.

lieutenant_dad's picture

Tank, I think your DH is a tool, in general. He does what works best for HIM regardless of whether it bothers or hurts you.

Specifically to your question, though, it depends on the situation. If my spouse wanted me to recklessly spend money on "the family", I said no, and they said they were going to do it anyway, I would think my spouse didn't actually care about me and our family - only their wants. However, any proposal to spend money would be met by me with a "I'm uncomfortable as this is currently presented, so can we come to a compromise?" I'll rarely say no outright because, even with separate finances, DH and mine's financial health is tied to one another. It's unfair in our relationship for me to tell him how to spend his money (and vice versa) without first having a conversation about how, why, when, etc.

ndc's picture

Without knowing more of what you're talking about, it's hard to say.  For instance, if my SO told me he wanted me to work more (or fewer) hours or sell some assets, or something like that, for the good of the family, and I didn't want to do it, I'm at a loss as to how he would "fix" that.  If he wanted me to contribute more money to joint finances, it's not something he could "fix" if I refused.  So I'm struggling to picture the situation you're describing, and whether what he's asking for is reasonable and whether it's something that truly would benefit the whole family (including you) or just him and his kids.  

Cover1W's picture

Yes, it's difficult to tell, each situation can be different.

My ex-H was furious with me that I wouldn't mortgage the house in order for him to have the cash to start a small business.  Without a business plan, without talking with a bank, without doing anything except looking at storefronts from the street.  Oh, and I'd be the one running it.  He'd be out there finding product while I did everything else.  No.  I think that was a cause of our divorce among other things.

My DH wanted to buy a new cable package for sports.  I don't watch sports, couldn't care less.  I said no.  He said then I'll pay it myself.  That was acceptable.  He wants the hot tub fixed?  No, unless our other home repair debt is paid off first.  He's ok with that. 

 

Pear's picture

Most of the time we can solve financial dilemmas by doing the math.  Should we refinance the house?  Crunch the numbers and you get an obvious answer.  Should we replace an aging car?  Well that one is trickier because you can only estimate future repair costs, but again, we crunch the numbers under various scenarios and then make a decision together.   If we can’t decide, the default option generally wins which is not buying a car.

tankh21's picture

Ok so here is the situation. My car is in my name however my ex is the co-signer and he wants me to give my car back to him so he gets stuck with the payments and he wants to buy a car outright so I don't have car payments. #1 I like my car and I don't want to get rid of it. #2 I don't want to do that to my ex because I don't think it's right to stick someone with a car that I wanted and should be responsible for. I bought this car before I even met my DH. Then he tells me that I should get another job or work extra hours at my job that I work for now so that we can have more money. He wants to save, save, save and just looking for ways to do it because he says it's for our future. What do you guys think?

Indigo's picture

My first thought was "honor."  Honoring a previous commitment (loan) & honoring your preference for a vehicle. You obviously could afford your car before current DH, so why is this an issue?  Are you to be downgraded?  Why? What changed?

Just leaves a bad taste in my mouth.

ESMOD's picture

If you have funds available to buy a vehicle outright why not pay off your car. It can be titled in just your name...or may be already. I don't see why this isn't an option 

tankh21's picture

Yes I could afford it and I still car but my DH said I have two days to decide what I want to do or he will fix it for me whatever the hell that means! I am not even speaking to him right now. He said that I tell him what to do all the time with his kids and BM and then I got called a hypocrite.

Aniki-Moderator's picture

Your car is in your name with your ex as the co-sign. Exactly WHAT can your husband do with YOUR car? Legally??

He's making this into a battleground - is he threatening to end your marriage over a CAR??

Indigo's picture

He's making this a hill-to-die-for? Idiot. FFS

ETA: this isn't about the car, is it? DH is peeing on a fencepost for some other reason.  Since I have been known to let my inner bitch out from time to time ... I'd tell him to stuff it. Your car. Your funds.

justmakingthebest's picture

Oh wow... Ok, this is a little crazy. That is your car and like others said you already made a commitment to make those payments. What does your divorce say? I am sure that you can't just dump a car on your ex. I would have never signed a decree like that! With your H stating he would "fix it for you" -- that sounds so threatening. I don't like this at all!! I don't have any advice, but I would certainly tell him to back the F off!

ndc's picture

I would not give the car back to my ex.  First, that wouldn't be fair to your ex.  Second, if he just co-signed it, then you signed the loan as well, and if your ex doesn't make the payments, you'll be liable anyway (if I'm understanding the situation correctly).  Is your car upside down on its loan?  I'm having difficulty figuring out how giving a car away puts you into a better financial position.  Do you just have the money lying around to buy a new car?  Would this new car be an upgrade, a downgrade or a lateral move?

As for getting another job or working more hours . . . Do you have spare time?  What is your current financial situation vis-a-vis DH?  Does he make more?  Does he work more?  Who spends the most money?  I'm assuming since he has kids, it would be him.  So maybe HE should work more.  Who does the bulk of the housework and the childcare?  If you were working more, what would have to give?  Do you *want* to work more?  This is another question that can't be answered in a vacuum.

I'm curious as to how he's going to "fix" this for you.  I don't like the sound of that.

tankh21's picture

Nope, he wants to buy a used car outright. I'm not upside down on the car I still owe for 3 more years though. This would be a downgrade because my car is only 2 1/2 years old. His bills are way more than mine. I do all the housework and cooking even for the kids when they are there for visitation. No I don't want to work more. I just feel very threatened by all of this and I am thinking about leaving for awhile or just staying and doing absolutely for him and his kids.

ndc's picture

Just to confirm - this is a husband, not a significant other, correct?  Are your finances separate?  No way, no how would I go along with what he wants.  I'm really wondering what his ulterior motive is.  I understand why you feel threatened; I would too in that situation.  Good luck, stay strong.

 

hereiam's picture

he wants me to give my car back to him so he gets stuck with the payments and he wants to buy a car outright so I don't have car payments.

If you can afford to buy a car outright (so you don't have car payments), why not just pay off the car that you have? Voila, no car payment. Why give the car to the ex? Which means everything you've already paid on it was for naught. Makes no sense.

How is your husband going to "fix" it? It's your car, he can't legally do a thing with it.

And if he wants you to work more, to have more money and save, save, save, how does giving a car away, wasting the money you've already paid on it, and buying another one outright, make ANY sense?

Is he feeling okay?

tankh21's picture

I have no idea what his issue is. What Aniki says makes sense to me though. He wants to turn something around on me because "he's tired of me trying to tell him what to do with his kids and BM". So I guess me enforcing rules for his snowflakes is bad because it makes him look bad in front of them I guess. I have completely stopped communicating with him at this time and he is spending the rest of spring break with his kids by himself.

princessmofo's picture

I really don't like your husband.  He is spineless little infraction of a man who can bully you but can't tell his demon spawn to keep the f*ck off the couch.  

I'd keep the car and dump him.  He's a user and abuser.