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AIBU?

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Buying a house, blending family and finances

59 replies

Undecided16 · 16/04/2024 23:05

I am in the process of buying a house with my partner of 2 years and we have 2 children each from previous relationships who live with us individually full time.
We have not spoke about finances until the last few days and it has gone sour!
when we worked out the finances, she suggested 65% of our wages each month however this means that I pay almost £2925 per month and she pays £1300. I didn’t think that was fair although she does receive child benefit and tax credits which she will lose if we move in and I am happy to pay more however I think £1700 a month more is excessive if we are going in together. She receives DLA for both her kids which is £1300 and child maintenance totalling £530 on top of her wages. I receive £400 a month DLA for my son and have a rental income from a property which give me £800 a month on top of my wages.
Am I being unreasonable thinking that paying £1700 more a month on a house that we both own 50/50 although we both matched the deposit for the mortgage.
please be honest

OP posts:
New posts on this thread. Refresh page
Starseeking · 20/04/2024 16:42

Undecided16 · 20/04/2024 11:18

thanks for your comments, we have resolved it now and she has agreed to give me the PIP to cover the difference.

You're happy to take a 16 year old's PIP when you're on £200k per year?!? Disgusting.

AnotherEmma · 20/04/2024 14:28

It's a wind-up isn't it.

Undecided16 · 20/04/2024 13:56

I am hiring if you want a job?

OP posts:
EverybodyLTB · 20/04/2024 13:48

Wow. Fucking wow. This can’t be real? Someone on 200k plus says ‘brought’ and nicks a child’s DLA? I’m in the wrong job!

CarrieHain · 20/04/2024 13:47

Buying you the New Forest would be expensive. Bringing it jolly difficult. Twat.

Kazzybingbong · 20/04/2024 13:35

Undecided16 · 20/04/2024 13:06

I always get my way in the end!
But at least she got to go to the new forest which she brought me for Christmas and we got some bikes out but she couldn’t quite afford the electric bike so she settled for the push bike and she held the rucksack #winning

I don’t believe someone earning £200k PA believes it’s ‘brought’ instead of ‘bought’. WTAF is this thread? All those people spending time to type out thoughtful responses on the OOP and this is what you say? Are you really that sad that you’ve done all this for entertainment? Whether this is real or fake, I have come to the conclusion you’re a twat.

Undecided16 · 20/04/2024 13:06

I always get my way in the end!
But at least she got to go to the new forest which she brought me for Christmas and we got some bikes out but she couldn’t quite afford the electric bike so she settled for the push bike and she held the rucksack #winning

OP posts:
StormingNorman · 20/04/2024 11:45

Undecided16 · 20/04/2024 11:18

thanks for your comments, we have resolved it now and she has agreed to give me the PIP to cover the difference.

You took disability benefit off a 16 year old in full time education? Either this is a joke or you’re a joke of a man.

AnotherEmma · 20/04/2024 11:18

Undecided16 · 20/04/2024 11:18

thanks for your comments, we have resolved it now and she has agreed to give me the PIP to cover the difference.

WTF!

Undecided16 · 20/04/2024 11:18

thanks for your comments, we have resolved it now and she has agreed to give me the PIP to cover the difference.

OP posts:
YourRedPombear · 20/04/2024 06:08

Yes YABVU you forgot to mention your 100k bonus and that you want your partners 16yr old to pay rent out of her PIP when she is STILL in FT education!! Whilst you are saving your sons DLA payments!! What the fuck are you on seriously!! Yes u pay more as you earn considerably more, if you want your partner to pay 50/50 then you’re going to have to buy a house you can both afford. She needs to sack you off tbh with that mindset

zeibesaffron · 19/04/2024 13:20

Testina · 16/04/2024 23:07

🥱 don’t ask people to be honest if you don’t want to share your £207K earnings (excluding rental income last year) in your list of details.

This ⬆️ and the fact you want to take DLA monies from a teenager, you have more than enough to live off and would happily see her with very little!!

I hope what she said on her other post is true and that she has stopped this process!

Notamum12345577 · 19/04/2024 12:22

Undecided16 · 16/04/2024 23:05

I am in the process of buying a house with my partner of 2 years and we have 2 children each from previous relationships who live with us individually full time.
We have not spoke about finances until the last few days and it has gone sour!
when we worked out the finances, she suggested 65% of our wages each month however this means that I pay almost £2925 per month and she pays £1300. I didn’t think that was fair although she does receive child benefit and tax credits which she will lose if we move in and I am happy to pay more however I think £1700 a month more is excessive if we are going in together. She receives DLA for both her kids which is £1300 and child maintenance totalling £530 on top of her wages. I receive £400 a month DLA for my son and have a rental income from a property which give me £800 a month on top of my wages.
Am I being unreasonable thinking that paying £1700 more a month on a house that we both own 50/50 although we both matched the deposit for the mortgage.
please be honest

Surely an equal amount of your income is fair?

AnotherEmma · 19/04/2024 12:14

If this is a genuine post... YABVU. I told your partner she'd be mad to buy a house with you.

MILLYmo0se · 19/04/2024 12:12

Who on earth thinks it is responsible parenting to be buying a home with a partner of only 2 years when there are children involved?! If you were both single and taking this step after 2 years I'd still think ye were a bit mad and giving yourselves a huge financial handcuff to each other too soon, but to be trying to blend your children into a family so soon is selfish imo.
Re the finances, the partner earning less is daft to contemplate moving in, the high earner sounds like an ass

Lotus3 · 19/04/2024 11:52

Hahahaha, not mentioning your 200k+ income. Yes, you are a 🔔🔚.

If you're the OP, quit trolling, we're not dumb.

If you're the partner trying to sort your domestic dispute, you are 1000% in the wrong. Pay a fair share (70:30) and leave the kids out of it or just cancel buying a house.

beanii · 19/04/2024 11:37

Both work out your total monthly income and go from there.....

Voiceofreason4u · 17/04/2024 10:53

Having read through the pages and pages of responses on the other post, there are a few things that would help the reviewers and responders.

Are you saying after being in a relationship with someone for 2 years, viewing and putting and offering on an house. Getting mortgage agreements etc - you have not discussed repayments once? How have you both got into a position where you have a house being purchased and not discussed this?

What are your motivators for moving in together ?

Why are you feeling it’s unreasonable for her to pay less when she earns so much less?
surely if it’s a relationship and partnership it should be treated as one and not treated like a business deal.

the figures flying around are confusing. 30k, 100k - bonuses, stocks, dla etc.
why is a % of annual work income not satisfactory ? with a package of over 200k surely it’s a comfortable lifestyle?

Do you plan to marry your partner? Have children? Then what? Will you view things differently?

The other poster mentioned you currently both have your own homes. How different will monthly outgoings be on a joint home for you?

your partner is set to loose CB and Tax Credits as you are a high earner, already reducing her income. Why would you think it fair for her to give up the children’s disability benefits ? Are you giving up your child’s benefits ? Why is it fair for her to be worse off and you have large bonuses and shares/stocks sitting there ?

in short - what are you losing financially by making this move? Or is it more if a principle thing where you feel it should be 50/50.

Either way, lots of discussions should be had before moving forward.

SchoolQuestionnaire · 17/04/2024 08:48

I’ve also read the other thread.

On the off chance you are the op’s dp I just want to tell you that trying to take money from a disabled child is utterly scummy behaviour. Leave this woman and her dc alone and go and find someone else to fleece.

Lesterall · 17/04/2024 08:47

WTAF is the point of this? Thread about a thread. If you are the partner you're a tosser and your partner should dump you. Definitely not buy a house with you. But I guess you're actually the Op of the other thread trying to get different answers.

scoobysnaxx · 17/04/2024 08:43

Thank you @TeaKitten

LemonySnickets · 17/04/2024 08:25

Domino20 · 17/04/2024 00:37

Everyone told her to bin you off mate.

I hope she did/does!! Earns waaaaay more than her plus rental income plus 100k bonus.....and he's going after her kids PIP money! 🚩 🚩 🚩 🚩

Orophile · 17/04/2024 07:46

You forgot to mention you want her disabled 16 year old daughter to pay rent from her PIP!

I am presuming this is OP from the reverse previous thread.

If you go ahead with this move you are both going to resent each other whatever you decide.

Starseeking · 17/04/2024 07:36

Ignoring the figures 65% of each of your base wages is fair. It's not your DP's fault that they earn less.

It sounds like you're expecting your DP to live in poverty while you live in luxury, which cannot be right for you sharing a life with someone you claim to love.