I'm seriously considering moving in with my boyfriend, he owns, how should we split the mortgage and bills?

Question

My boyfriend has two mortgages on his condo, as well as a monthly assessment payment. We're both not sure what is the best way to split the living expenses if I do move in. I don't think we should go 50/50 because he is paying for ownership, and I won't be paying to own the condo, just to live there. We've already agreed that I should not pay for the taxes on the property.
We make about the same amount of money, maybe he makes a bit more than me, but not a HUGE amount more.
Another thing I'm not sure about is the cable. He has this deluxe cable package and it's pretty expensive. I would be more than happy with basic cable.... I don't want to pay $75 or more a month for cable I don't even want!
What do you think would be best? Any advice is welcome!! Thanks!!

Answer 1

Sounds like a metaphor for your relationship. If you are serious enough to move in with your boyfriend you should be doing everything 50/50. Its a partnership and one shouldnt have more or better than the other. Talk to him about the cable if you dont want that much, maybe he doesnt need it all either. Otherwise just split costs, everything equals out in the end.

Answer 2

Since he's paying the taxes, maintenance/repairs (like a landlord would if you rented), I think 50/50 is fair. It doesn't matter that he's paying to own and you're paying to "rent"...you cannot live any place free. Besides, if the two of you eventually get married, you will be co-owner. As for splitting the cable...you can't expect him to change everything just because you move in. There will likely be things you want that he doesn't, yet he would split the cost with you. It's best to get these issues settled before moving in, but I think you have to be a little more aware that this arrangement will only work if it's fair to both parties.

Answer 3

yes!! do not let him live there for free, no matter how much money you have! make him pay half of the expenses. He is not married to you, and therefore has no solid commitment to you, and will probably still be seeing other women, so atleast make him pay half of the mortgage. I've been through this. I shared an apartment with my long term boyfriend, but i guess since we were not married, he decided (without telling me) that he could still see other women. Make sure you all have a very thourough discussion about what is allowable in your relationship.

Answer 4

i would say give him 500 an month no 400, the cable/phone bill or internet bills are what he uses anyways and you should only pay a third of what he is paying. it is his home and it is not in your name so you do not have to pay half of everything. if that is what he wants you to do then thats kinda having you move in to help him pay for what is his. even if he can afford it. i would say split the groceries in half and the water bill. so i would go with the 400 a month for it will pay the utilities and also you will be buying groceries and upkeep stuff like toliet paper and soap - all that good stuff-

just make sure you dont end up always buying that stuff.. gets old and it will drive you nuts!!!

Answer 5

You pay an amount for living there and a share of what you use in the house. In this example, say 33%. The cable idea, you pay 33% of basic package, and if he wants the deluxe, he can fork out for it.

Answer 6

well, you have a few options here,



you can look around and see how much apartments or room for rents in that area are going for and pay something comparable.



or you can pay all the utilities and maybe the association fee and leave the mortgage and all his extras (cell phone, whatever) to him.



this happens to all of us when you move in together



good luck to you both!

Answer 7

Pay the utilites..Gas, Electric, Water, Cable, Phone bills, etc. and let him pay the mortgage. Being that that's the highest thing to pay. So, I'm thinking 35/65..But, you should have something in your name, cuz men will screw ur a55 in a minute..lol..good luck!

Answer 8

I would say 60/40. He covers the cable entirely. And you go 50/50 on the grocery store costs: food, toilet paper, paper towels, laundry detergent and so on.

Answer 9

ok, a simple way to go is to pay for the condo you want. if you're not happy with the cable he is paying - pay half till you can get it down to the paymnt you are happy with.

Answer 10

Use your head ! Spend the first few hundred on a wedding ring,a marriage license,and a 20 for the court clerk to marry you....Then you don't have to worry about the bills being split up and ending up in court like 10 million other short-sighted fools do.

Answer 11

Split everything but the mortgages and cable down the middle.



Both of you are miles ahead.



Hand him $20 for the cable and call it even.

Answer 12

Don't do it. The woman is the loser in the moving in experience. Get married and then move in. I haven't seen "living together" benefit the non-movie star common woman yet (did I just say that?).

Answer 13

You should pay what the going rate in your area is for a one bedroom apartment.

Answer 14

Split everything, including the cost of the roof over your head 50/50, excluding the property tax.



You are basically a roommate/renter and it does not matter if his half is rent or a mortgage.

Answer 15

i suggest for you to take a share, whatever happens your bf can't take that against you

Answer 16

It's a sin to move in with someone before marriage.

Answer 17

well u simply tell him to **** off and dump him then **** in his face.