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Whats the Right Thing to Do with Boyfriend Moving in and Bills etc?

110 replies

bigkahunaburger · 07/08/2025 17:58

So I divorced 8 years ago and go spectacularly burned financially. Im super fearful of that happening again.

Anyway, madly in love for the first time since my divorce to the most wonderful man. He spends almost all week with me now and something has to give because I think soon we will have to make it official that he moves in. All the tooing and frowing for him must be getting to him. And we are very serious about each other.

So I own my place. He rents - 850 a month for a 1 bedder in (his words) a shithole. I live in a 2 bed very lovely coach house in a way better area. He loves where I live and loves staying at mine. Theres zero parking at his and I have a garage and three parking spaces weirdly.

Anyway, i want to protect myself and doing a bit of research, it seems to suggest I should get him to sign a lodger agreement. Is that right? And what would be fair to charge him? The going rate for the other room? On spare room it would be about 800 inc bills. That seems quite unfair of me though because he is giving up his own place to live with me. From what I have read, I can't let him contribute in any way to mortgage, or maintenance - like renovating or replacing a boiler - as then he'd have a claim on my place. So i thought make it a lodger rate for the room and bills included. Then he won't have his name on any bills and that protects me further I believe.

Also, should I wait for him to ask to move in with me, or should I be the one asking? I dont want to pressure him, and I don't really know how to present it.

I would love to hear from anyone whose been though this, and how best I should move forward. I feel the conversation may be imminent and I want to be fully prepared and not get swept away by the romance of it all!

Thanks everyone.

OP posts:
healthybychristmas · 07/08/2025 23:18

If he is self-employed but there isn't any work during the summer period, why isn't he taking care of himself financially and either doing other work during time or working for an employer part-time? Has he really not had the chance to do any work or has he enjoyed just doing nothing with you?

PyongyangKipperbang · 07/08/2025 21:21

bigkahunaburger · 07/08/2025 20:14

Ok. Maybe I am being a massive bellend.

I haven't jumped into the first relationship though. Ive been divorced 8 years and dated heaps and had a few relationship but never fell in love. So this is a long time coming. I was starting to feel like it would never happen for me again tbh.

But you are right. I need to calm my farm. lol

I am sorry I was harsh but I felt it needed to be said! I remember those first few months and they are utterly intoxicating. But they are temporary in that true deep love doesnt involve not being able to keep your hands off each other all the time. It involves not having sex for a couple of weeks because one of you is ill and the other one being understanding about it. Its about him holding your hair when you are puking with illness (or gin....whatever!) and you bringing him the dressing gown of doom when he has a cold...sorry, the plague. Its about putting up with the less than pleasant members of his family and him being nice to your boss even though the boss is a dick to you.

Its about surviving real life, knowing the faults and foibles and then still finding each other sexy and attractive in a deeper sense than just "I want to sit on your face!".

I had a 5 year relationship that ended late last year as we're basically, incompatible. But I loved him very much and we made the joint decision to not live with each other as we were secure and happy with how things were. We prioritised the times we were together (usually every other long weekend and one night in the week) and talked every day when apart. I wasnt denying myself anything, there are other healthy ways to have relationships than living together or being married.

I am sure that when the fanny gallops ease a little (I have to admit, I miss those!) you will start to think a little straighter. I hope it works out, I really do, and thats why we are all suggesting you need to slow down. Going at it like a bull at a gate is more likely to have it fail than slow and steady. Enjoy!

Rainbowqueeen · 07/08/2025 21:12

Slow down OP.

Can you see that thinking about moving him in after only 4 months is very unusual? If he hates where he lives then surely the solution is that he looks for another place to rent on his own for a year or so while your relationship develops at a normal pace?

It worries me that you have instead jumped straight to him moving in. Are you a rescuer personality? Have a read up on this and see if it rings true.

Definitely get legal advice on the best way to approach this but also wait. He can move closer if he wants. But it’s way too early for him to move in

FoxtrotOscarFoxtrotOscar · 07/08/2025 21:10

OP, if/when the time comes to discuss moving in, why not ask him what he considers a fair contribution?

Createausername1970 · 07/08/2025 21:09

Would one solution be that if he moved in, he kept his flat for at least six months. He would have to keep paying his rent, so his financial contribution to you would be limited to basically covering his costs, which might be a similar amount to what he currently pays in his flat.

If it didn't work out, he could move back to his flat, so he wouldn't be homeless. Neither of you would be greatly better or worse off financially. But he also wouldn't have any claim as he wouldn't have contributed much.

Juniperberry55 · 07/08/2025 21:04

@bigkahunaburger I would split all bills excluding mortgage 50/50 including groceries. Cohabitation agreement in place so he can't claim on the house. Mortgage and renovation costs for you to sort and review his contribution to bills every 6 months or so, as they will go up over time and this makes sure he pays his fair share then I would save the money you're no longer spending on bills. He should do the same and if in a few years you want to buy a house together, ring fence your deposit accordingly

Arlanymor · 07/08/2025 21:03

bigkahunaburger · 07/08/2025 21:00

Stop! I have started wearing thongs and sexy nighties - which I havent done in decades lol. I feel so alive its awesome. Its like my fanny has suddenly woken up haha

It’s the endorphins! Honestly I bet your skin is fab and glowing too!

gamerchick · 07/08/2025 21:03

bigkahunaburger · 07/08/2025 21:00

Stop! I have started wearing thongs and sexy nighties - which I havent done in decades lol. I feel so alive its awesome. Its like my fanny has suddenly woken up haha

It's powerful stuff. It can make us reckless.

Seriously though, there's no rush. Just enjoy it for the minute. Go away on holiday or something.

dollyblue01 · 07/08/2025 21:02

Four months is very early days I’m 3 years in and I know now I won’t be moving into his and putting myself at risk as I currently rent. I’d have said the same at 4 months , but now no way , you need to give it more time, you’ve not seen the real him as yet I’m sure, just enjoy it for now.

bigkahunaburger · 07/08/2025 21:00

Arlanymor · 07/08/2025 20:59

Don’t say you are ancient, I am four years younger and I feel spring chickenish! I bought something naughty in Ann Summers on Saturday!

Stop! I have started wearing thongs and sexy nighties - which I havent done in decades lol. I feel so alive its awesome. Its like my fanny has suddenly woken up haha

OP posts:
Arlanymor · 07/08/2025 20:59

bigkahunaburger · 07/08/2025 20:57

I do have massive fanny gallops constantly - like this man has me deep deep in the trenches and i was beginning to feel like id never fancy anyone or love anyone ever again!!

As another poster said, I am completely 'dickmatized'. I don't deny it. We literally cant keep our hands off each other - which is a bit gross considering Im ancient.

Don’t say you are ancient, I am four years younger and I feel spring chickenish! I bought something naughty in Ann Summers on Saturday!

Nearly50omg · 07/08/2025 20:58

How much has he been contributing to you while spending most of the week at your house already? As he should have been giving you at least £500 a month for food etc and him using the shower etc means more water more electricity etc etc and any DECENT man would have not just offered but insisted and been paying for food and takeaways as he’s saving £££ otherwise!! THIS shows how much of a cocklodger or a user he is if he hasn’t even offered let alone insisted!!

bigkahunaburger · 07/08/2025 20:57

I do have massive fanny gallops constantly - like this man has me deep deep in the trenches and i was beginning to feel like id never fancy anyone or love anyone ever again!!

As another poster said, I am completely 'dickmatized'. I don't deny it. We literally cant keep our hands off each other - which is a bit gross considering Im ancient.

OP posts:
gamerchick · 07/08/2025 20:54

Doesn't sound as if you've been together long. Deep in the trenches of the fanny gallops and oxytocin.

There's no rush OP.

winzomm · 07/08/2025 20:52

I'd rent my own house out and move in with HIM. Do the flat up or get another one.

Your asset is protected and you will be in lovey dovey heaven absolutely splitting the costs between you. If it works out after a year well then, think again about moving into your house. If for some reason the starstruck feeling goes out the window, off you go back to your house and he stays renting.

You are star struck and in love, and that's lovely. Enjoy it, but I wouldn't move him in at all.

workshy46 · 07/08/2025 20:46

All the people saying if he pays rent he will have a claim on the house yet when a women who has been in a relationship for 30 odd years with kids are told they have no claim as they are not on the deeds when they wish to break up 🤷‍♀️. I’d charge him lodger rates of 600 and then split food etc .. why on earth should he live rent free .. he will still be substantially better off and the op worse off. Will be v telling how he reacts

bigkahunaburger · 07/08/2025 20:46

Arlanymor · 07/08/2025 20:36

And that sounds lovely, but in the same way that you said him staying over isn’t the same as him living with you, it’s also not the same as going away together in a completely new place without home comforts. I think holidays are a great litmus test as to how things will or won’t work. Believe you me, when you’ve both had gastroenteritis for a week in Malta then you’ll know if he’s a keeper or not!

In my situation - reader he was not! He was a big whingy baby who hogged the bathroom and drank all the bottled water! Contrast with my favourite person in the world who the first time he met my parents was unfortunate enough to step in a big pile of cat sick in bare feet and said: “Whoops I am so terribly sorry!” It was their cat and it had gone unnoticed because he’d scarfed down all his food too quickly (cat, not favourite person). He was a complete darling about it, even offered to help clean it up and managed to laugh about it. I get happy shivers thinking about what a brilliant person he was in that moment.

I love that you are so happy - keep the vibe going, but no talk of moving in until the twelve month mark rolls around m’kay? Promise?! And have a chat about booking a bit of time away, even a weekend city break. Something nice to look forward to AND will make you feel you are moving forward in the relationship.

Edited

I think you have a point. A weeks holiday away would be great to look forward to and have him all to myself for that long. Ill talk to him about that.

OP posts:
bigkahunaburger · 07/08/2025 20:43

outerspacepotato · 07/08/2025 20:35

"Well i do think when you know you know. Im not a serial 'fall in love at the drop of a hat' woman. Ive loved two men in my life - my ex husband of 21 years (who turned out to be a complete knob) and this guy."

Your picker does not seem to be trustworthy at picking. Did your ex husband not financially ruin you? And now that you are finally back on your feet after a lot of work, you want to rush into living with someone you've only been involved with for 4 months and risk your main financial asset? I have horseradish in my fridge older than your relationship. You say you knew this guy from before, but being romantically involved is a whole different story.

Do you see a pattern?

Frankly, you sound dickmatized and that is not a state to make life decisions in. Slow your roll. Enjoy your relationship for a while.

Are you afraid he'll dump you if you don't move him in? I just don't see any reason for you to be so over the top about it otherwise.

'dickmatized'. Haha. I LOVE that. Im not scared of him dumping me at all. Its just that honestly I just want to be around him all the time, I miss him when he goes. Which if you knew me is insane for me! All my family and friends know I love my own space, and love to be alone - or I did!

OP posts:
ThreePointOneFourOneFiveNine · 07/08/2025 20:38

Timings aside, when it comes to working out how to sort financial contributions I’d work what it is costing each of you to live separately with rent/mortgage, bills and food, then work out what it’s going to cost to live together. Then work out what your combined saving will be and split that in half. He then contributes whatever he’d worked out his living costs to be alone minus half the joint saving. That way you’re both the same amount of better off for living together.

Arlanymor · 07/08/2025 20:36

bigkahunaburger · 07/08/2025 20:30

I work for a university so Ive actually been off work since May pretty much and his business is drastically reduced in this period as its seasonal so we have spent sooooo much time together like a very long staycation. Its been so lovely.

But I do take your point.

And that sounds lovely, but in the same way that you said him staying over isn’t the same as him living with you, it’s also not the same as going away together in a completely new place without home comforts. I think holidays are a great litmus test as to how things will or won’t work. Believe you me, when you’ve both had gastroenteritis for a week in Malta then you’ll know if he’s a keeper or not!

In my situation - reader he was not! He was a big whingy baby who hogged the bathroom and drank all the bottled water! Contrast with my favourite person in the world who the first time he met my parents was unfortunate enough to step in a big pile of cat sick in bare feet and said: “Whoops I am so terribly sorry!” It was their cat and it had gone unnoticed because he’d scarfed down all his food too quickly (cat, not favourite person). He was a complete darling about it, even offered to help clean it up and managed to laugh about it. I get happy shivers thinking about what a brilliant person he was in that moment.

I love that you are so happy - keep the vibe going, but no talk of moving in until the twelve month mark rolls around m’kay? Promise?! And have a chat about booking a bit of time away, even a weekend city break. Something nice to look forward to AND will make you feel you are moving forward in the relationship.

outerspacepotato · 07/08/2025 20:35

"Well i do think when you know you know. Im not a serial 'fall in love at the drop of a hat' woman. Ive loved two men in my life - my ex husband of 21 years (who turned out to be a complete knob) and this guy."

Your picker does not seem to be trustworthy at picking. Did your ex husband not financially ruin you? And now that you are finally back on your feet after a lot of work, you want to rush into living with someone you've only been involved with for 4 months and risk your main financial asset? I have horseradish in my fridge older than your relationship. You say you knew this guy from before, but being romantically involved is a whole different story.

Do you see a pattern?

Frankly, you sound dickmatized and that is not a state to make life decisions in. Slow your roll. Enjoy your relationship for a while.

Are you afraid he'll dump you if you don't move him in? I just don't see any reason for you to be so over the top about it otherwise.

bigkahunaburger · 07/08/2025 20:32

FlamingoFloss · 07/08/2025 20:28

But to add - defo get a prenup to protect your assets but put him on the mortgage going forward. Why should he not be getting on the property ladder just because he is living with you? Not very fair IMO

Edited

Because he has no deposit, he can't get on the property ladder. Thats not my fault. Without me he would still be renting so I don't see how Id be holding him back.

OP posts:
FlamingoFloss · 07/08/2025 20:30

Yes you do both

bigkahunaburger · 07/08/2025 20:30

Arlanymor · 07/08/2025 20:25

I’m sorry to say but four months - even if you have known each other for longer is waaaayyyyy too soon. I have food in my freezer older than your relationship. Definitely time to ‘calm the farm’ (great saying by the way, I’ve never heard that one!)

I totally get you are excited, I totally get that you want to spend as much time with him as possible and that both things combined equal taking a ‘next step’. But it’s not this step @bigkahunaburger, not yet. Have you even been on holiday together yet?

You have built a lovely life for yourself after a horrible time, but please don’t jeopardise all of your hard work and recovery. Think with your head and not your heart. If you want to live together then give yourselves a deadline - two years minimum - you’ve not hit a bump in the road yet, and there will be some, even in the most compatible of relationships. Two years. By all means consider in the meantime how that might happen in a way that protects your assets, but don’t move on it, keep it theoretical. Ask him when you’re twelve months in if in another twelve months he might like to move in with you.

There is no need to rush, but every need to tread carefully and slowly.

I work for a university so Ive actually been off work since May pretty much and his business is drastically reduced in this period as its seasonal so we have spent sooooo much time together like a very long staycation. Its been so lovely.

But I do take your point.

OP posts:
FlamingoFloss · 07/08/2025 20:29

bigkahunaburger · 07/08/2025 20:28

Absolutely no way. If I married him I would get a pre-nup.

Haha I added this!!

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