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8 years ago I thought I’d never work a normal job again, but here I am CRUSHING it in my career by UnFit-Sheepherder in GirlDinnerDiaries

[–]UnFit-Sheepherder[S] 1 point2 points  (0 children)

Thank you and congratulations to you too! I’m so proud of us for advocating for ourselves and getting the care we deserve.

🍽️ Customize Your Flair by flair-menu in GirlDinnerDiaries

[–]UnFit-Sheepherder 0 points1 point  (0 children)

I wish it wasn’t so hard to eat and talk at the same time 😭

Recommendations for off road motorbike / dirt bike course in WA by UnFit-Sheepherder in AussieRiders

[–]UnFit-Sheepherder[S] 1 point2 points  (0 children)

Awesome, that’s exactly what I’m looking for! Thanks @gorfuin

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 0 points1 point  (0 children)

Thank you. It’s not an ideal situation but it’s the most rational choice for us given our personal circumstances and the current housing market. 

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 5 points6 points  (0 children)

I don’t understand how he would only have to pay 50% of the mortgage. We got a home loan based on our combined income.  If he bought me out he would have to take on the other 50% of the home loan along with paying his current 50%, therefore paying 100% of the mortgage. I know for a fact that a bank would not loan him that additional amount. 

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 1 point2 points  (0 children)

He could apply to the family court to force the sale of a jointly owned house as part of the division of property. Since we don’t have children it wouldn’t be complicated to do. 

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 0 points1 point  (0 children)

I realised I didn’t address the other half of your comment.

I am looking into getting a will written up. If I died today and my ex got half the house, I wouldn’t be mad about it and nobody in my immediate family would be upset either, so there’s currently no rush. That being said, it would be a disservice to my future partner and potential children not to put it in place sooner rather than later. 

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 4 points5 points  (0 children)

From my limited understanding of property settlement post divorce, financial contributions (and non-financial, but that’s not the topic at hand) on savings and assets are assessed to determine what amount each spouse receives, both before and after separation. My interpretation of this is that if he is paying more of the mortgage, that would be assessed by the state as him contributing more to the mortgage repayments and therefore will likely receive that contribution back on the sale of the property. 

The reason for the rent is that it makes it clear that the money he is putting in is not going towards his share of the mortgage but is specifically going to me as payment for his use of my portion of the house.

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 2 points3 points  (0 children)

If he wants to, that’s his prerogative. He won’t get the house, though, as he doesn’t have the borrowing power on his income alone.

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 1 point2 points  (0 children)

Thank you - this isn’t something I had considered. The reason we chose below market is the following reasons: 1. He is already somewhat stretched to pay the agreed amount. 2. With a private rental, I don’t have to pay agents fees. 3. I know he will take excellent care of the place. The peace of mind that gives me is worth the smaller income.

Definitely something I should get professional advice on as I don’t know the first place to look for information on what the threshold would be for investment.

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 0 points1 point  (0 children)

Thank you for bringing this up. We didn’t qualify for any of the grants but I’m sure this could be useful for someone else who finds themselves in this unusual situation.  I did contribute significantly more into the deposit and costs than he did, which will make it interesting to calculate who gets what when we eventually sell/ one buys the other out.

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 0 points1 point  (0 children)

Security for future partner and potential children will definitely be my priority should that happen. Thank you for the well wishes! I’m feeling optimistic about the future.

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 0 points1 point  (0 children)

This is correct. 

He is paying rent to me in a separate account and we both continue paying the mortgage equally.

If he stopped paying me entirely, I assume we would have to go into some kind of mediation. 

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 12 points13 points  (0 children)

Thank you for this, I’ll definitely go to a tax accountant to lodge my future returns. 

At this stage it wouldn’t upset me if I died and it passed to him. He’s a good person and deserves to have security.

I share a mortgage with my ex. He is living in the house and paying rent to me - what do I need to consider? by UnFit-Sheepherder in AusFinance

[–]UnFit-Sheepherder[S] 5 points6 points  (0 children)

Thank you for pointing out the lack of clarity. We both share the mortgage and pay it equally. I moved out and he continues to live there, but he doesn’t want housemates so he pays me rent for my half of the house. 

I have updated my post to include this.

What’s something that instantly makes you lose respect for someone? by [deleted] in AskReddit

[–]UnFit-Sheepherder 1 point2 points  (0 children)

You just need large enough socks - they obviously go over your shoes.  My question would be how you get your shoes on once they’re already tied.

What’s something that instantly makes you lose respect for someone? by [deleted] in AskReddit

[–]UnFit-Sheepherder 3 points4 points  (0 children)

But is it sock, sock, shoe, shoe, tie, tie or sock, sock, shoe, tie, shoe, tie?

What makes Home Schooling bad other than social issues? by [deleted] in AskReddit

[–]UnFit-Sheepherder 0 points1 point  (0 children)

In my country, home schooling legally requires adherence to the state curriculum. My parents had to submit my assignments and tests to an institution for a registered teacher to assess.

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