GF isnsists i can do it!

Anadinolin

Hi there moneysavers,

I have a quadary.

Im desperate to move out, well more along the lines of i would like to.
however i dont feel i am on a pay packet thats lucrative enough to allow this.

I bring home 900 after tax
165 goes on car finance
70 car insurance
40 on mobile phones
i spend a whopping 300 - 450 on petrol, dependant on the pump prices ( i do 25 miles each way to work - the amount includes personal mileage, i have done 30k total in the last 6 months, mileage -wise.)

what i want to know is if my other half is right in saying that i can afford to move out on my own, closer to work in the stansted/bishops stortford area....i figure that i can only have about 450-ish spare if i was to move closer to work (this figure is assuming petrol would go down to 100 am month +/- 30 to 50) no way near enough to rent and live on my own...

she wants to get out of her own parents house as they trap her into paying for things she doesnot want to do: like a holiday totalling about £800 for flights + hotel, she has to pay her own way including food and spending money etc. when she protested they simply said " you never directly said no" and leave it at that. :mad:

anyway she thinks she could probably produce about 400pcm at a big push, thats after her holiday and after her car payments drop off (i think september this year). im not so sure, her job security is...well not really there, i beleive her boss is forcing her out by giving her written warnings for spelling mistakes...she got 2 warnings, wether they are verbal or written her boss will not say.

given the current situation i think that we cannot move out together - too risky

shes getting her hopes up and saying that we can do it.

who do you agree with more, why and what sort of combined pay *should* we look to move out on?

i would like a ball park figure on bills etc
my aquaintance says that i should expect to pay approx £900 a month for rent and bills etc not including toiletries and food - is this about right?

thanks

sonastin

Random question but is there any possibility of your girlfriend moving in with you where you are? Sounds like she's pushing you because she's desperate to get out of her place. If you could stay where you area for a bit longer you could a) save some money, b) start to work out a proper budget for living together and c) not jump into something that you can't afford.

DVardysShadow

Your road fuel usage looks more like you do 200 miles each way to work, if it is monthly.

dreameavergeorge

Hi,
what you need to do is to not rely on advice from friends and to check out the rentals yourself. People can be wrong, or maybe they aren't as thrifty as other people, things vary. Here is a link to the rightmoves site and there are lots of flats that are less than what you are thinking.
You also need to go on a comparison site to find out the average cost of the bills. I've always lived in a house, so I wouldn't be able to give you an approximate as everyone is different anyway. If you saw a place you liked, you could call up British Gas for example and ask what you would be paying if you were to pay monthly be direct debit. That's the closest you may get as they will ask about the appliances and size and will know the area.

http://www.rightmove.co.uk/property-to-rent/Bishops-Stortford.html?maxPrice=800&minBedrooms=1&maxBedrooms=2

Wee_Willy_Harris

Just a personal opinion and, as such, worthless, but......

Your gf wants to move, you don't. She has a job that she may well lose in the very near future. She doesn't think it's "fair" to pay for things like food, or spending money, or even holidays. It might be worth considering the possibility that your salary will have to support both of you.

treetrunks

i do 30 miles each way to work and spend about £150 per month. Get a different car if i were you.

goingon30_2

treetrunks wrote: »

i do 30 miles each way to work and spend about £150 per month. Get a different car if i were you.

my dh travels 80 miles to London and back 5 times a week and our petrol is under £400 a month!:eek:

Anadinolin

sonastin wrote: »

Random question but is there any possibility of your girlfriend moving in with you where you are? Sounds like she's pushing you because she's desperate to get out of her place. If you could stay where you area for a bit longer you could a) save some money, b) start to work out a proper budget for living together and c) not jump into something that you can't afford.

i live with my parents, she dosent want to impose - however i have suggested it if its an alternative to her living with her family...i am 100% with you on option C and B needs a bit of work, she dosent think my figures ring true, i will let her see my statements later tonight...oh i also need money for car maintenance tyres, breaks and the like.

DVardysShadow wrote: »

Your road fuel usage looks more like you do 200 miles each way to work, if it is monthly.

in the last 6 months i have done 30,000 miles :eek: thats general driving to and from rents house to gf's and work, which is in the same area - why i want to live closer

Wee_Willy_Harris wrote: »

Just a personal opinion and, as such, worthless, but......

Your gf wants to move, you don't. She has a job that she may well lose in the very near future. She doesn't think it's "fair" to pay for things like food, or spending money, or even holidays. It might be worth considering the possibility that your salary will have to support both of you.

i would like to move, but i know i dont really have the money, and yes you make a very good point about her not having her job in the near future and that i might have to fund things with my own salary...then we'll be up the proverbial creek. - she says she dosent mind paying for food...she is a bit of a tight fisted woman though, when she was on 13k p.a she was a little more liberal with her money, since they took her down to 11,9k p.a with her second warning shes a little more reluctant and since her parents pretty much forced her to go on holiday and pay for it shes not willing to spend any more money to struggle to save for the holiday.

Running_Horse

Forget finances. How much do you love her? If she's the one then get on with it.

if not...

princeofpounds

Frankly, if her job is not certain (and warnings and pay cuts sounds like it's not), then you shouldn't be considering combined pay at all.

ItMightBeUsefulOneDay

Anadinolin wrote: »

i spend a whopping 300 - 450 on petrol, dependant on the pump prices ( i do 25 miles each way to work)

Errr, 25 miles x 10 trips x 4 weeks = 1000 miles per month.

My car will do 700 miles on a single fill of £70. And it's a monster estate car, not some lightweight flymo.

Either your car is running at around 13mpg or your neighbour / girlfriend / work colleague is nicking fuel out of the tank.