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Everything posted by bluesky45

  1. Okay thanks guys. I’ve read all the comments and I’ve spoken to him about the savings. Definitely a good idea to rent first to see how it is between just us. So will do that once the savings have increased more and so on. Thank you all, will just see how it goes. I’d appreciate no more comments as I feel like this is enough ground covered, and won’t be touching on the subject again, as if all goes to rubbish then it’s just gone! Thanks!
  2. I have spoken about it with him, and he has said he is going to start putting in more effort for it. Just have to wait and see, and then if not, it’s a no go.
  3. I’ve mentioned if he wanted to live by himself but he understands it is expensive by himself, and he does want to live with me. Current living situation was from me. I said a “joke” about it a few months ago, and then he mentioned it a couple of months ago, we calculated it all and just agreed.
  4. We have separate accounts to benefit from the accounts we have (LISAs). But if I ask he does show me it, as it’s a joint plan. We are open with communication and problems, I just think he likes spending money on his hobby.
  5. At least £20k is needed, and ideally I’d like more so mortgage is less. And I guess it’s just process thoughts out loud, as I think about it, but it’s about the progression towards. Edit: he doesn’t drive as he lived close to work and pays for a lift from a coworker.
  6. He has asked previously, I guess I just didnÂ’t inform as much as I could have. IÂ’ve spoken and he has said he is going to make an effort, just a waiting game now.
  7. I’m going to continue to save no matter what, my end goal is to own my own home, whether that’s with someone or not. I guess I could put in a little more effort and explain the whole thing around savings. He always takes the mick out of interest saying it’s so low, but I never keep money in my current account as it’s just losing value. I guess I have more to explain as he didn’t know a lot of buying a house as well until I said about it. I have spoken about the expenditure and he has agreed to put in more effort, so just have to wait and see if there is a change as he is open with how much is in his accounts. Parents think he is lovely, he helps out around the house (as we all do). I wouldn’t fault him except with money, which is what it boils down to. And driving but if it isn’t needed you’re saving money I guess!
  8. We do talk about what we have purchased, I’ve just never made a point of asking how much the things are that he purchases. I have asked and realised that he has an expensive hobby (not saying what as I do not wish to have specific details on the internet). But typically spends 2/3 of income a week on it.
  9. I have more expenditure than him coming out of my bank account, (I drive), he has more on a credit card that he is paying off which accounts to less readily available money, obviously. The plan is to move out together, but to buy a home. Not interested in renting as it’s too steep to then afford to save for a deposit. Hence why living together with my family to make it cheaper to save more. My family do not pay a penny towards us living there, it is entirely our money for our living expenses. I have a budget spreadsheet in which I regularly look at and try and make my expenses cheaper. I understand how to save money and everything. When I started to pay rent here I sat down and calculated the expenses, rent per person, got the internet cheaper with landline, food, water electric gas etc. I believe it is my mindset, (it is my degree area after all, and job). Just felt wrong to actually ASK to see, more meant in terms of what are his actual personal bills and so forth (does not drive). More of a long term thing, not planning it for another two years until I finish university also. In terms of disposable income, he has more, but he spends it and I save it. I do trust him, I’m just tired of hearing everyday about being “independent”, when there is near zero effort to actually become independent.
  10. We both pay rent and bills to live here, before he moved in with me he was paying more rent with his parents, so it was a natural next step in the relationship but also to make rent cheaper for the both of us to be able to save more. I have more bills than him because I drive and he does not.
  11. I did think it would be bad to ask that’s why I haven’t and asked on here, we have spoken about savings and goals multiple times but I don’t think it’s getting anywhere. Next time it comes up it will just be a comment that it’ll take longer to move out if you’re not saving enough. Thanks for the reply! I have always been open about my finances and others around me, and he is typically but I just wondered, thanks guys!
  12. Bf keeps saying how much he wants to move out and become independent. Currently live together but with my family. I work part time as I’m studying in university and still manage to save quite a bit (earn less than £500 a month). Bf earns more than £300 a week, yet by the next payday he has nearly run out of money, sometimes buys stuff online that are relatively expensive but nothing really shows up via post all the time. We started saving at the same time, yet I seem to have more in my savings than him. Is it bad to ask to see what he is spending his money on considering how often he says to me he wants to move out and become independent?
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