GF isnsists i can do it!

Martha66

OP - as I understand it, this isn't just about helping your girlfriend move out of an unhappy home. You've also said you want to move out - you want to start to make your own way in the world, have some independence from your parents, and perhaps most importantly cut down on long journey-times to and from work, which can be utterly exhausting (I know - I've had long commutes to work).

This doesn't have to mean you move in together. There are other options - for both of you. Separate rooms in house-shares sounds like an ideal solution. Either 2 rooms in the same house, or in separate house-shares.

At the moment moving in with your girlfriend to your own flat does not seem affordable. Certainly not if your girlfriend loses her job.

She wouldn't be eligible for Local Housing Alllowance as your income would be included in any assessment (the benefit assessor would consider you to be the same as a married couple and therefore having shared finances). Likewise Jobseeker's Allowance (although she might get contributions based Jobseekers if she has paid enough NI credits - but only for 6 months). You can't really afford to support the two of you (rent, food, utilites, everything) on your current income - and it would cause huge tensions in your relationship.

However you could both separately move out into a house-share. Separately and not a double room together in a share or you risk the same benefit issues as you would if you had a whole flat together. Maybe even find 2 rooms in the same shared house. There are loads of shares with people of your age, and nowadays most young people share when first moving out of the parental home. Yes you won't always get on with all your flatmates but it is often lots of fun sharing especially when you're all at similar stages of life. And you might even make long-term friends.

For your girlfriend, if she took a room in a shared house, she could then claim LHA and Jobseeker's Allowance if the worst happened and she lost her job. Possibly a good idea, btw, for her to try and get somewhere soon, before she loses her job, as it has got much harder to find landlords willing to accept benefit claimants.

Hopefully things will improve for both of you. The salary increase you're working towards. Perhaps your girlfriend will be happier away from her parents and more inclined to focus on improving her job performance. And then you can look at moving in together. You're both still quite young and have time.

You sound like a nice guy who wants to help his girlfriend out of a unhappy situation. Which is a lovely thing to do - being supportive to an OH in times of trouble is a sign of a strong relationship. Note, I said being supportive. Not a doormat. You can't do everything for her, i.e. take on an unaffordable flat. But by all means help her - look at shared rooms together, accompany her to viewings, and offer a sympathetic ear.

I hope everything works out for you.

bristol_pilot

Anadinolin wrote: »

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.

You surmise incorrectly. You would need a gross salary of around £35k if your rent/bills are £900 per month or so. You clearly have no idea of the costs of living as an independent household.

Ulfar

First thing you could do is move closerr to work as this seems to be adding to your petrol usage. However you have stated that you do 25 miles to work as a round trip but 161 miles a day total (30000miles /186 days).

Is the extra 116 miles all work, if it is at 40p a mile they should be paying you £46.40 a day extra.

If it isn't how much is work related and can you cut down on the rest.

Your income given your other expenses excluding petrol do not give you enough to rent on your own.

I don't know your GF but from what you have posted she wants to move out but not pay her way or accept any responsibility, she wants you to do it on your own but let her move in without being a joint tenant.

This poses a problem if you base your plans on her helping and she leaves, a high probability given the things you have posted about her attitude to paying towards things. The problem is you will be expected to pay for the rent and other bills on your own.

Another point which has been missed is that you won't pass the tenant checks due to income, most LL or LA will expect your be take home to be 2.5x or more than the rent. This will be based on the income of the tenants on the agreement so this would be sole income.

You have mentioned her supervisor offering a place, how convenient for them.

Sorry Bottom line, is no way in can you afford this. Why not get her to move out on her own and let you move in. If she reacts badly to you either not moving out or her doing it on her own then get rid.

Yorkie1

I agree with all the other posters, and in addition to all the points made by othes, I am particularly concerned about what happens if your GF does lose her job. You'd be living in a house rented from her work supervisor, and she's just been sacked by that work for poor performance. That doesn't make for a predictably easy LL / tenant relationship ... not to mention a LL who may or may not want to retain tenants of whom one has a benefit income.

You're the one taking all the risks financially. The impact on you could be huge if you got into financial trouble and were committed beyond your means. If she can't or won't see that, she's really a little stupid or selfish.

PasturesNew

You have a massive liability there, that's likely to lead you into bankruptcy .... ditch it.
And I don't mean the car

thorsoak

And don't forget the old, old saying ....when money worries come in the door, love flies out the window!!!!