GF isnsists i can do it!

bristol_pilot

Living alone is VERY expensive, I live alone in a small flat and the rent/bills come to £900 - £1000 per month. That's not including car/food etc.

Most people on your income would rent with a partner or live in a houseshare of 2 or more people.

dopester

Whether it's renting or buying - women know best.

Be like this guy. If she loves a house or the area or whatever.. no matter what the cost or difficulties it might put you in overstretching, just say yes.

This listing is special Anadinolin, you guys can do this.

http://www.youtube.com/watch?v=Ubsd-tWYmZw

Anadinolin

i spoke with my OH last night, she said that she would like me to be able to afford it on my own ideally incase of a split or trouble etc

she also said that if she did move in with me she would contribute towards half of the bills.

to this iv told her: i will need a considerable pay rise to be able to pay for the bungalow that your supervisor wants to pass onto us (a squeak under £900 all bils, rent etc excluding food at their current useage rates) on my own...i would summise approx 17k pa wage would be able to do this. which would mean my october/november pay rise would have to increase by 4,500 a year. i doubt my employer values me that highly! and business isnt exactly booming in the pharmaceutical/research maintenance and distribution sector! :undecided

i would say yes if we can live comfortably - paying their current rate of bills and then having money left over to pay for car insurance, maintenance and finance, food and toiletries. so one of us will need to be on a happy 14k - with job security i might add...and what if my gf gets fired, there may be hard feelings between her and her supervisor.

her supervisor is planning on moving out in december so have a few months to save up a deposit and get a little extra cash behind me, my october pay review should help aswell - spesh as iv finished my nvq level 2 in electrical electronics. iv asked my gf to get a price breakdown on what bills they are currently paying and what the £900 figure actually includes.

if i wanna move out i gotta make a start somewhere, if i keep thinking i cant afford it all the time im gonna get no-where. she accepts that im not confident that i/we can afford it, it mainly depends on this years pay review to see if we inquire about the supervisors old bungalow.

this is in no way a definite yes though!

- correction im actually on 13,200 = 919 a month lol

tomstickland

Anadinolin wrote: »

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)

50 miles per day, 5 days a week, 4.3 weeks per month, gives 1083 miles per month.
£375 at £1.20 per litre is 312L is 70 gallons.

1083/70 is 16 mpg ish.

Wee_Willy_Harris

tomstickland wrote: »

50 miles per day, 5 days a week, 4.3 weeks per month, gives 1083 miles per month.
£375 at £1.20 per litre is 312L is 70 gallons.

1083/70 is 16 mpg ish.

The average 22 year old male can get a Nissan Micra diesel down to under 10 mpg!!!

getmore4less

Anadinolin wrote: »

would i be able to independantly (but struggle) to live on my own in that case? she idealy wants me to be doing it alone and when/if she moves in with me contribute to bills and food.

she wants it so that if we do have a fight or split, i can afford to do it on my own and not have to give up a closer location to work etc. she thinks it would be unfair to keep it for herself or just release it if that happens and make me do long journeys into the office from my parents house...

and running horse, i would give her everything she desired if money was no object

She is going to take it anyway.

Can't you see she is trouble.

problems with parent
problems with work
now problems with you.

She want you to take all the risks so she can have her way move out of the parents and if she does not like it move back, leaving you with a 6 month tenancy to pay.

Sort out your car costs and milage it does not stack up.


As a temp solution move in with her parents:T


(what happened to the last few boyfriends any of them left with no tousers?)

JonnyBravo

I'm with gm4l. It'll all end in tears.
Unrealisitic expectations on her part.
Get saving, get your petrol consumption sorted, and get a few promotions. Then think about it.

kerlysue2

Anadinolin wrote: »

i spoke with my OH last night, she said that she would like me to be able to afford it on my own ideally incase of a split or trouble etc

she also said that if she did move in with me she would contribute towards half of the bills.

to this iv told her: i will need a considerable pay rise to be able to pay for the bungalow that your supervisor wants to pass onto us (a squeak under £900 all bils, rent etc excluding food at their current useage rates) on my own...i would summise approx 17k pa wage would be able to do this. which would mean my october/november pay rise would have to increase by 4,500 a year. i doubt my employer values me that highly! and business isnt exactly booming in the pharmaceutical/research maintenance and distribution sector! :undecided

i would say yes if we can live comfortably - paying their current rate of bills and then having money left over to pay for car insurance, maintenance and finance, food and toiletries. so one of us will need to be on a happy 14k - with job security i might add...and what if my gf gets fired, there may be hard feelings between her and her supervisor.

her supervisor is planning on moving out in december so have a few months to save up a deposit and get a little extra cash behind me, my october pay review should help aswell - spesh as iv finished my nvq level 2 in electrical electronics. iv asked my gf to get a price breakdown on what bills they are currently paying and what the £900 figure actually includes.

if i wanna move out i gotta make a start somewhere, if i keep thinking i cant afford it all the time im gonna get no-where. she accepts that im not confident that i/we can afford it, it mainly depends on this years pay review to see if we inquire about the supervisors old bungalow.

this is in no way a definite yes though!

- correction im actually on 13,200 = 919 a month lol

Hi Mate,

First of all, NEVER plan on things that arent guaranteed, such as getting a pay rise - budget on what you have now and any future pay rise will be a bonus.

Secondly, it seems to me like the 2 people benefiting the most out of this arrangement will be your g/f and her boss?! Moving out is a big decision and it needs to be the right one for you as well as your g/f.

You should look around as you may find somewhere cheaper that maybe better for you and since you are the one being expected to pay for it then you should be the one to choose the place? If you end up struggling you will resent your g/f...

I moved in with my now hubby at the ages of 21 (me) and 23 (him) after 8 months and it was hard, even though we both had secure jobs, earnt more money that you do and our rent was less than yours is! I totally understand the appeal of moving in to your own place but you must only do it if you are 100% sure and my feeling is very much that you are being pressured into it and it will end in tears. I would say you should both start saving as if you are already living there so you can see what money would be left over after paying out £900 plus food (which for me and hubby is approx £200 a month). If she cannot commit to this then there no way she will be helping you with bills when you move in together... even if she does, I hope you are happy with her being the one to decide what food you buy, what toiletries you buy and what you have to spend on treats such as nights out etc as all your money will have gone on the rent...:eek:

kerlysue2

Anadinolin

tomstickland wrote: »

50 miles per day, 5 days a week, 4.3 weeks per month, gives 1083 miles per month.
£375 at £1.20 per litre is 312L is 70 gallons.

1083/70 is 16 mpg ish.

please read through the thread, i state that i do 30k miles in 6 months, often town or countryside driving, so the £350 approximation is about right - there isnt a lot i can do about the size of the car - it needs to be an estate due to the size of the instruments i tend to lug around for work. its also handy for personal use too.

i will edit the first post to stop this confusion.

sp1987

Anadinolin wrote: »

i spoke with my OH last night, she said that she would like me to be able to afford it on my own ideally incase of a split or trouble etc

she also said that if she did move in with me she would contribute towards half of the bills.

She wants to keep herself off the tenancy agreement so when she fancies moving back home or elsewhere, you are liable to pay all the rent.

If you give into this without her having any savings/a secure job you are a giant plonker.

And you are considering moving to somewhere you haven't seen that her supervisor wants to ''pass on''?!

Disaster waiting to happen.

I'm a 22 yr old female myself and there is no way on earth I would expect my partner to finance my moving out because if I still lived at my parents. Though thankfully my partner has his own opinion and wouldn't allow himself to be railroaded. She was asked to pay for her own holiday place? Disgusting that her parents would expect her to finance herself now she works full time </sarcasm>.

Not trying to be funny, but you spend at worst you say £685 out of £919 on your car a month and you don't include anything like tyres, tax, servicing etc in that sum. If I were you I'd swap the car for something smaller and lower cost to reduce the finance and massive £70 a month insurance you are paying. I know I'm female but my insurance would be about £20/month if I paid monthly. My mobile plan is £20 a month and includes 600 minutes to any network, unlimited texts and unlimited calls to my own network. If you could reduce both that could be £30 a month saved on insurance maybe and £20 on mobile = £50 from nowhere. I'd need to be on £3000 a month before I considered spending almost £700 on a car/fuel and even then I'd probably cry.

The pair of you seem to be on low incomes yet spending like you on high incomes. Fine whilst you live at home, disaster when you move out. You will get a big, big shock if you aren't careful to reduce outgoings alongside looking to maximise income.