Soldato
Just because you can trust them while you're living with them, doesn't mean you'll be able to trust them in the future.
Girlfriend's Contributions
- Thread starter stuie
- Start date
Just because you can trust them while you're living with them, doesn't mean you'll be able to trust them in the future.
Exactly - before we got married my wife contributed significantly more to everything than I did without any issues!
Is your house owned or rented?
If it's owned, I'd take as little as possible tbh - when it all goes wrong, if she can show she's been contributing to the house then she may be able to claim a stake in it.
If it's rented, then crack on
this - if she pays any of your mortgage then she will be entitled to some of your house if it all goes wrong (which it sounds like it will
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Caporegime
You have to remember than probably half of the people on this forum are social rejects and misfits of all shapes and sizes so actually getting logical, sensible lifestyle advice is risky.
Man of Honour
You have to remember than probably half of the people on this forum are social rejects and misfits of all shapes and sizes so actually getting logical, sensible lifestyle advice is risky.
OcUK is rife with misogynistic views and has been for years.
People here tend to fall into one of two camps, both representing the extremes.
1) "Oh Em Gee BOOBS!!!!!!!! Fap fap fap"
2) "Women are evil harpies who will ruin your life, DO NOT TRUST THEM, DO NOT LET THEM WEAR SHORT SKIRTS, DO NOT BELIEVE THEM, DO NOT ACCEPT THEIR DISRESPECTFUL SLUTTY BEHAVIOUR"
Soldato
Me too
You have to remember than probably half of the people on this forum are social rejects and misfits of all shapes and sizes so actually getting logical, sensible lifestyle advice is risky.
Are you suggesting that advising the OP to take into account what could potentially happen if the relationship goes wrong is not "logical, sensible lifestyle advice"?
The majority of the advice would be relevant regardless of the OP's gender or that of the person moving in - not sure how that's misogynistic, unless people are just projecting their own insecurities onto the responses?
Only if he makes a profit from the situation (I.e an income) surely? Couldn't he just overpay his mortgage or get things done to his rented property to keep the profit down?
I don't know what I am going to do when I find a girl again I like and would consider letting her move in. I have a new build apartment which I have a significant deposit tied up in and a decent amount of stocks and shares. I've being thinking about it lately a bit and I think I would consider some sort of legal arrangement unless she had a property of her own before I would consider letting her move in or beyond.
Soldato
Unless you are married then "no partner" can lay claim to any mortgage/property/deposit unless their name is on the mortgage/deeds itself, so don't worry.
\edit: Kids excepted.
\edit: Kids excepted.
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Soldato
Indeed, this is how I see it.
I've been the bigger earner & usually pay a larger share of the contribution towards the costs. There is also a factor that I'd tend to go for a more up market property closer to my budget than they would (if they choose alone) & therefore it's unfair to expect them to match 50% of a more expensive property.
To the OP, if you are much better off financially then take the bigger hit - if your incomes are closer them split it more evenly.
Pending on if you are still purchasing then complexities can be avoiding by letting them just purchase food/pay for nights out instead of formally paying towards the running of the actual household (if you are worried about that kind of thing).
Personally that's not how I'd like to live & can't stand discussing money with friends/family or girlfriends & prefer to keep things as informal as possible regarding finances.
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Caporegime
Are you suggesting that advising the OP to take into account what could potentially happen if the relationship goes wrong is not "logical, sensible lifestyle advice"?
Its a GF moving in and chipping in. Its not getting married or engaged.
If he wants that he can ask the bitter and twisted for their gems of advice when it all goes sunder.
Shes not gonna liquidate him 24h after she moves in.
I would be utterly freaked out if my GF/BF suddenly presented me with a Sheldon style contract.
When it gets a bit serious, IF, Id sell up and start again.... Both names on the mortgage/tenancy agreement. Until then.. My advice forget about it, enjoy life.
Split house hold bills 50/50 for the first 6 months and see how you are getting on from there..
If you have the this is my house, not OURS mentality it will only cause you issues. I think... Adding her to a bit of paper in the future wont change that.
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Soldato
At which point the advice will most likely be along the lines of "well you should have thought about that earlier"
Think of it like you would insurance - you hope you'll never need it, but if you do, then you'll be very glad you have it
No one's suggesting she will
It's more for in 10 years time when they break up, and her friends/family start mentioning that as she's been paying half the mortgage for all those years, she may have a stake in the house.
If the OP wants to share his house like that, completely his choice, but it's best to make an educated decision on the potential pitfalls, rather than rush into it oblivious and end up regretting it.
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Soldato
Yeah, you do have to declare rental income but you can take off the interest part of the mortgage and other bits and bobs.
The renting a place together and letting your own home isn't such a bad idea. I know a a couple of lads who move in with single mum GF (free house etc - as they do) and let their own home.
Its not such a bad idea. Although if the property is empty its up to the owner to pay the mortgage plus everything else plus their contribution to the rent. Or, if it goes pear-shaped, it might take some time to get back into your home if you have to wait for the tennants to leave.
Soldato
- Joined
- 21 Apr 2007
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Soldato
- Joined
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Nobody here said anything of the sort... I trolled and said a reference to snow white getting gang banged by the seven dwarves but nothing like that.
And nor have I seen anyone else say this.
All people have generally said is be wise and understand the legal implications of this situation and the potential financial repercussions should things go sour (which in most relationships they often do... and op's relationship history has already been patchy).
To be honest if any guy doesn't do this, we can only sit back and laugh when the next post is crying how they've lost half their house.... oh but apparently if you take these precautions you must be a virgin neck beard. In fact I'd wager the guys who go into things like this blindly are most likely the fedora wearing white knights who think their princess won't turn on them.
Ok move along now with the predictable insults.
Yup. There we go. Didn't take long to find someone to post this.
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Soldato
But there are no legal implications?
Assuming no dependants, and only one name on the mortgage, unmarried, there are no legal risks.
Assuming no dependants, and only one name on the mortgage, unmarried, there are no legal risks.
Soldato
- Joined
- 21 Apr 2007
- Posts
- 6,609
Guess again.
If you let a woman live with you after a certain amount of time it is my understand that there are (Now this is America mind you) which is why I told the op to speak to a lawyer and just be clear about it.
Don
End it.
Soldato
Nope, a partner can live with you as long as you want and provided there are no children, and no contributions from them, there are no implications.
As soon as children come into the equation, or they start paying towards the mortgage, you can run into problems.