I am just at the stage where I can afford to buy a house with my husband.

We have a 60,000 deposit after saving up for 3 years. A lot of the money has come from our wedding, some inheritance money, and from my own savings, as I earn quite a bit more than him.

He works in a restaurant so a fair amount of his salary comes from tips, so may not even appear on his payslips. We've often had issues with money because sometimes it seems like his money is disappearing somewhere. Then in November, he suddenly told me he had won 6,000 gambling. He promised never to do it again.

We had recently opened a joint account and put some of our savings in there (only around 3,000). I check my accounts quite regularly, and in December noticed that 300 had gone missing from the joint account (100, then 50, then 150). It transpired he had been gambling again. I immediately took the remaining money out of the account.