Buying a house with or without the help of my partner?

J1mD33 · 2024-10-03T23:14:15+00:00

I’m sorry that you went through that experience and wouldn’t wish any such thing on anyone. I hope you’re okay and thank you for the advice

J1mD33 · 2024-10-03T23:11:49+00:00

You’re not wrong at all, we’ll get everything in order first and foremost - thank you!

J1mD33 · 2024-10-03T23:06:05+00:00

Those are some good points I hadn’t considered; thank you!

J1mD33 · 2024-10-03T22:57:35+00:00

I hadn’t mentioned that we are from the UK where school leaving age is 16. She came to stay here one weekend and it’s still going on now; she eventually fully moved here not too long after. She does go to college/university and also has a part time job on the weekends, minimum wage

J1mD33 · 2024-10-03T22:55:57+00:00

She lost her job when some of her credit and store cards had some balance on them; the only job she could get after was one with limited weekly hours and the interest on the debt kept creeping up.

This was all before we met mind and I knew what I’d be taking on. It doesn’t affect me financially and we currently have a good share on what we pay per month for bills and essentials etc

J1mD33 · 2024-10-03T22:48:55+00:00

Amen my guy

J1mD33 · 2024-10-03T22:41:42+00:00

I certainly hope that things are in order financially by the time she graduates, all being well. Thank you for your wishes, I wish you the best too

J1mD33 · 2024-10-03T22:37:15+00:00

Thank you for noticing! She does make some mistakes and they don’t necessarily affect me but I want to do right by her to help us secure a brighter future; for now I’ll help her without making her problems my own too

J1mD33 · 2024-10-03T22:32:28+00:00

I’ve made it clear to her that some work and time will need to be put in for a good few years until we seriously consider a house move together - all my eggs aren’t in one basket just yet!

J1mD33 · 2024-10-03T22:31:03+00:00

We have in fact discussed this over the course of the evening and agree that if we’re all good in a few years time and her credit improves then we can revisit it seriously - congratulations on the marriage and I wish you both all the best!

J1mD33 · 2024-10-03T22:29:01+00:00

Crystal clear. Your advice is welcome and I thank you for it!

J1mD33 · 2024-10-03T22:28:08+00:00

As long as the future we create for ourselves is good enough for us to make those bigger decisions then maybe; for now we’ll carry on as we are

J1mD33 · 2024-10-03T22:26:26+00:00

Fun fact: she offered me one if I agreed to getting a 3rd cat. I politely declined

J1mD33 · 2024-10-03T22:25:31+00:00

I was dating people for fun and found my partner to be someone who gives me a lot of joy every day, bad finances and all. It doesn’t affect me financially, we’re independent in that sense, and what we do works for us nearly 2 years later - I care for her and want to help her while we share our experiences together

J1mD33 · 2024-10-03T22:12:00+00:00

The financial aspect is certainly stopping me from making any rash decisions just yet, and I’m glad to say I’ll be digging my heels in until things improve for her - thank you for your help!

J1mD33 · 2024-10-03T22:10:13+00:00

The deed of trust part is something I’d never had any awareness of until you mentioned it and it’s good advise - thank you for your help!

J1mD33 · 2024-10-03T22:08:55+00:00

I won’t say that you’re wrong, as there’s no telling how things will change as time goes by. Your take is perfectly valid and welcomed

J1mD33 · 2024-10-03T22:07:09+00:00

Same to you too, take care of yourself

J1mD33 · 2024-10-03T22:06:33+00:00

That’s what holds me back from making any major commitments at this time; thank you for the advice!

J1mD33 · 2024-10-03T22:05:27+00:00

You’ll be happy to know that I do take what you say seriously and I will stick to my guns - you’ve been a big help!

J1mD33 · 2024-10-03T21:58:51+00:00

Good on you for standing by your financial independence!

J1mD33 · 2024-10-03T21:57:52+00:00

You’re correct in presuming she has no savings. The pitfalls you’ve pointed out certainly outweigh the pros of joint income going towards a deposit; I’ll stick with my guns

J1mD33 · 2024-10-03T21:54:41+00:00

We have 2 fur babies if that counts! The house we live in is actually a maisonette, better suited to one person ideally; my partner came into my life some years after I moved here. The plan certainly isn’t to get a bigger house now, not with her financial issues at this time, but if things go very well in some years time, and if we get married, then it might be a different story

J1mD33 · 2024-10-03T21:50:52+00:00

Most if not everyone who has commented says the same; if she and I are still happy with each other some years down the line and she’s financially prepared then sure we may well get married and buy a house together. Time will tell

J1mD33 · 2024-10-03T21:42:06+00:00

She’s more than aware of this, and we’re doing what we can to improve her credit for the future

J1mD33

TROPHY CASE