DP is just so irresponsible with finances and I'm not exactly a whizz at this sort of stuff myself but have more respect towards money.
We are trying to make plans to live together. He inherited a house out in the country and also about £20k. He spent some of that before I met him and had 12k left. The idea is to sell his house, and together with his savings, put it towards a new home together.
He has problems opening letters. So he has piles of unopened letters at his place, which I've offered to help with. As a result, he has bills/arrears that he is unaware of until it gets serious.
He is very generous and doesn't care much about money but is, I feel, silly with money. Just splashes it about without thinking. I've even felt annoyed when he's bought me unnecessary presents that I won't even use.
He has now just told me that he doesn't have the 12k anymore. He has never told me he's been spending that money. It's all gone on takeaways, nights out (with me), taking our kids out, eating out, guitars, books, etc. I have made comments before, like "Are you sure you can afford this?" and telling him we don't need to get a takeaway every week and it doesn't feel like a treat when we do.
He has basically spent it on having a good time and ignoring bills, most of it with me, but I told him that's not my responsibilty and he shouldn't have been spending his savings.
I'm angry because that money was for our future. I told him it's his money and ultimately he can do what he wants. But that I can't plan a future with him if he is going to be this irresponsible with money. I'm not saying I would end our relationship because of it, (I love him). But I've lived with a boyfriend who was irresponsible with money before, and it also becomes my headache and I end up even worse off than if I was on my own.
He's really upset that I'm annoyed with him. Am I being too harsh?