Help with partner...

On_my_way

TakeAwayKing wrote: »

Just one point from me. I'd be careful of him saying he can't afford a holiday next year and that he knows you have no one else to go with.
Sounds like you might end up paying for the two of you so you get to go away, and he gets a free holiday.
I have known that to happen before

That is exactly what my ex did to me. He didn't take any money with him or his card at all on holiday and left it to me. I wanted a holiday and so he used that excuse.

That said, maybe with his spending how it is he can't afford a holiday - he needs to look at his outgoings.

greensalad

1. Get two pre-paid credit cards.
2. Work out all your regular bills. (For those that are quarterly and such, work out how much the cost is spread across 12 months).
3. Work out the budget for joint expenditure that can vary. E.g groceries, cinema, dining out.
4. Each load the monthly cost for regular bills onto one pre-paid credit card. Set up direct debits on the card to pay all of these bits.
5. Put the monthly entertainment and food budget on the other card. Use this to buy groceries.

This was you are not financially linked in the same was a joint account but you can organise your budget.

My partner isn't too bad at budgeting so we have a joint account (I don't think I need to go to the extreme of getting a pre-paid card). I keep a spreadsheet of monthly outgoings and we each put our share in on payday. No problems so far. I don't have to worry about any bills because it all goes out automatically. I just pay around £800 into the utilities account on payday and I'm sorted.

We have another card for "joint spending" and we put groceries allowance on here plus a little entertainment budget so that we have no squabbling over who owes what when it comes to cinema and things.