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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Sharing finances when living together

28 replies

fishpsycho · 24/04/2025 23:10

Hello all!
I would love some advice on navigating finances when moving in with someone.
I own my house and my partner will be moving in with me. I would like to keep the ownership of my house separate.
I make double what he does and I am happy to split expenses equitably in that ratio.

My partner seems uncomfortable with the idea of paying 'rent' to me and said he would rather pay another expense entirely.

For example, he suggested he could pay for the car. Currently, neither of us drive. But let's say he passes the test soon, he is happy to buy the car and pay for all the associated expenses. However, he will be driving it to work as his workplace will be further away after he moves in with me. It's not like we're going to be using his car for long distances on a regular basis.
He also said he's happy to pay into a holiday pot.

I dont think car+ holiday pot is equal to what I thought he would contribute towards the house.

When I asked if he wanted me to cancel any streaming services (I subscribe to literally all and he doesn't to any), his reply made me feel that he won't be contributing towards that as he doesn't watch tv when I'm not around.
I disagree as I see it as a shared activity. I am happy to unsubscribe to any service he thinks is not needed and only keep those we both agree on.

I know he is a minimalist and has been living a bare minimum bachelor lifestyle. I feel anxiety building up because I am anticipating he won't want to share many of the expenses I think he should...I don't want to start feeling resentful that I am paying for more than I should be.

Any tips or advice on how I can manage my expectations? Am I wrong to expect him to share these expenses? Thank you!

OP posts:
MoominMai · 25/04/2025 22:31

RuffledKestrel · 24/04/2025 23:22

In my opinion unless you have a kid(s) or are married, all bills are 50-50 when you first move in together. The exception being your mortgage. Pay that fully on your own so he doesn't have a claim on your house if you break up in a few years.
If he says he cannot afford 50-50 on remaining bills, then compare the costs from his current housing situation to what your costs currently are plus a bit extra for him using utilities/council tax increase. Is he currently paying more than half that amount ?
If so, then yea he's being a freeloader and I'd not move him in without very clear expectations and an agreement in place.
If not, then you need to figure out how you feel about financially supporting him.

Edited

I think this is the defining bit of advice you need OP. I know you say he’s ‘kind’ but honestly I think he’s being very disingenuous about what he thinks is fair for him ti contribute to. The only suggestions of a car and holiday is what benefits him massively anyway! Definitely ensure you have a formal agreement in place!

ACynicalDad · 25/04/2025 22:36

I know a local mum who moved in with a guy, she paid bills, he paid the mortgage, so when they split up (unmarried) she had no claim on the house and was shafted. Frankly if he pays for something other than the mortgage I think it protects you better if you were to split, but if all he is paying for is a car then he's a man child wait until he's grown up to let him move in, or move on.

Gonk123 · 26/04/2025 09:26

Just protect your asset whatever you do!

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