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Living with partner and not contributing
Comments
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Do you want to move in?
How much time are you spending at each others anyway.
If you had a place yourself that would be different but to give up a rental is relatively easy, move in see how it goes.
Does it becomes a "it's my place" or a "our place" that sets the future path some people "need" to go through the shared purchase some don't.
Chuck in 1/2 the bills that are cost of living and nothing that is part of the value of the house.
Save the money you would be paying in rent, the most you should pay is lodger money anyway(even with a FWB situation) untill you move to the next stage.
Have a back up plan somewhere to stay on a temp basis till you get a new rental if it goes belly up.
Most of all ENJOY0 -
zzzLazyDaisy wrote: »Yes.
But I think the point being made is that OP has no legal right to occupy the house - her bf could change his mind at a moment's notice and OP could be on the street....
Oh ok I misunderstood.0 -
C_Mababejive wrote: »Heres some very good advice.
Never live in a house that you have no legal right to occupy.
Hmmm. Must try that on my children when they turn 18.0 -
Before we were married DH moved into my flat. My mortgage was around £170 per month. I continued to pay it myself for about 18 months, until we were married and then moved house. DH saved £100 per month into a 3 year bond. Once the three years were up we had moved house already, but he put the money into the mortgage to pay some off.
I think that was fair. If anything had went wrong, I'd have kept my flat, and he'd have kept is savings.0 -
If he does not want you to contribute, just save the money. I assume you will have to contribute to utility bills etc or are they free as well?0
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Its sensible on his part to not have you contribute to the mortgage so that you don't have a claim on the property further down the line should you split up.
He's protecting himself, so no reason why you can't too!
I agree that you should put the money you would have spent on rent in a savings account in your own name so that if it doesn't work out you have a safety net to get back on your feet again. If it does work out, the money you save can go on a deposit for a house you own jointly where everything will be on a much more equal footing.
No reason why you can't contribute to cost of living though. Half the bills, half the food shopping etc.0 -
Person_one wrote: »Its sensible on his part to not have you contribute to the mortgage so that you don't have a claim on the property further down the line should you split up.
They are not married, and her name is not on the title, hence there are no circumstances in which she could ever make claim on the property - regardless of what contributions to the (his) mortgage she might make.
I would suggest that if the ownership is not going to be changed at this point in time (perhaps with a tenants-in-common arrangement with appropropriate ratios) then the OP ought to contribute to half of the bills and put the remainder of her 'rent' money into her savings account. This will provide security for any eventual outcome whether that be staying together for life or splitting up. Whilst we all hope it's the former only a fool would believe that the latter could never happen!
Mathew0 -
And for the reponse when the same question was asked from the other side see here
https://forums.moneysavingexpert.com/discussion/23768730 -
Maybe it's the OP's boyfriend?!
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I had this 'problem'.. altho at the time it wasn't a problem.
I lived with ex for 7.5 yrs, we had been together 8.5 when we decided it wasn't working out. He got funny with me and told me to get out that day.
The house was one we moved into together, but because I was 18 I wasn't put on the mortgage. I didn't contribute that much, but at the same time I wasn't named on the mortgage, so I payed for food and other little things.
When push came to shove he basically evicted me! - Luckily I had seen this coming and had already made moves to get my own flat, but I still had to stay with a friend for a week whilst I got my keys.
I am left with very little from that relationship. A lot of the furniture was purchased by me, but I had no receipts, and I wasn't in a position to arrange removing it, he just made it impossible.
Keep the money in a separate savings account, if the worst happens, at least you have savings. If the best happens and in a couple of years you get a joint mortgage together, then you will either have a large deposit for a better house, or some money to get a car
9/70lbs to lose0
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