How much do you and your partner pay towards mortgage/rent each?

There's no splitting of bills for us, everything the two of us are paid goes into a joint account and is ours, not mine on hers.

I honestly couldn't imagine doing anything else when you're committing to a mortgage with your partner and setting up to spend presumably the rest of your life with them.
 
Wink said:
There's no splitting of bills for us, everything the two of us are paid goes into a joint account and is ours, not mine on hers.

I honestly couldn't imagine doing anything else when you're committing to a mortgage with your partner and setting up to spend presumably the rest of your life with them.
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My wife and I are in the same situation. I don't understand this "his and hers" mentality. We share our incomes and run big purchases past each other (if nothing else, the other party is sometimes the voice of reason!)
 
We have multiple accounts but our wages are considered "ours", been together 5 years, not married & no kids.

As long as I get nice food and my capri project finished she can spend all the rest on whatever she wants so long as all the bills are paid.
 
ci_newman said:
My wife and I are in the same situation. I don't understand this "his and hers" mentality. We share our incomes and run big purchases past each other (if nothing else, the other party is sometimes the voice of reason!)
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Yep, with you on that I don't really get it either. We aren't married (25 and 22) but once we bought a house together I didn't consider doing anything else.
 
kefkef said:
Mortgage and Bills come to about £1300. I pay £1300 in, she pays £800. we are both left with approximately the same disposable income in our own accounts after that to spend on ourselves (she earns more pro-rata but only works 4 days a week so she can spend an extra day at home with our 2 year old).

Looking to start overpaying the mortgage once we've used some of the savings pot that is generated from the joint account to extend the house and do windows, doors etc.

I don't really care about the sharing bills and stuff, so long as we can afford holidays, buy what we like, take our little girl out etc etc, it's not worth causing arguments over.
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Couldn't agree more! exactly what my fiance and myself did while we were renting.
 
We've recently bought a 3 bed detached with a double garage on the government 5% deposit.

And what we have decided to do is, I am the sole earner she is on term time only salary there for she is on a lower wage then myself, but I pay £1200 which covers the mortgage and the bills, she will do the food shop and petrol.

Still leaves us with some money to buy our stuff we want ect.

Crazy though, only went into the show home just to have a look, and ended up putting down a deposit haha
must admit that lady sure had a good sales pitch!
 
Wink said:
Yep, with you on that I don't really get it either. We aren't married (25 and 22) but once we bought a house together I didn't consider doing anything else.
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ci_newman said:
My wife and I are in the same situation. I don't understand this "his and hers" mentality. We share our incomes and run big purchases past each other (if nothing else, the other party is sometimes the voice of reason!)
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Not everyone has a simple 50/50 situation though. Although we're getting married in 2015 we still have equal ownership yet unequal amounts of debt against property, and then different beneficiaries on death.

Whilst many situations appear simple, others are not. Marriage or house ownership doesn't automatically change things.
 
We pay 50/50. The house is actually mine and when the boyfriend first moved in he paid less than half and we even had a rental agreement in place. Now we are getting married in 9 weeks time, we pay half each and obviously the paperwork is all irrelevant.
 
I never liked looking at it as a percentage. Instead we split it up by what needs paying: Currently renting, I pay all the bills, rent and car stuff while my partner pays for the food shopping and chucks the rest of her monthly wage into our first time buyers savers account for a deposit. As it stands I earn a fair bit more than my partner per year.

When we get our own place we'll be keeping a similar setup where I will pay majority of the bills, but she will contribute to the mortgage and put money away for anything that needs doing to the house (decorating/repairs etc)
 
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We both have our own accounts and a joint account. We both put in approximately £800odd a month each into the joint to cover all the rubbish that nobody wishes to waste their money on (except food I guess :)).

Edit: I have helped out more now that we have a daughter (1 year old) and she is only working 2 days a week (teacher).
 
Not married, been together 7 years in January, rented together for 3 years and have just moved into our first house with Mortgage.

As with the flat that we rented, we both pay equal amounts into a joint account that will cover the mortgage, bills and food. The rest of our money is then ours to do with what we please.

I earn around a 1/3 more than the misses, so because we both pay the same into the joint account, I will pay for nights out, if we go out to dinner, buy bits and pieces when we go out shopping that she wants/likes, pay for bits for the house that we like, that sort of stuff. That may not sound much to some but it's what has worked for us. We have agreed though that when we have children, we will go to one account that we pay into and then everything comes out of that.
 
We've been together just under 2 years, moved in early February.

Me and the missus pay 50/50 in everything. We have a joint account, so every payday we transfer our shares of the mortgage, utility bills etc... We normally put in a little bit extra for a rainy day or for tough months.

Then we each manage our own accounts however we like. In terms of food we just buy what we need, take it in turns, or depends on how each of us is doing financially... Its quite a laid back thing. But its basically as if both our wages are ours as a whole.

She earns quite a bit more than me as well.

I really don't agree with somebody paying 75% and the other 25%, just because one person doesn't earn as much. Total BS imo. You both live there!

That's almost like saying, X showers once every day but Y has a bath every day thus using more water. Y should pay 75% of the bill because they use more!... daft imo!
 
Indie said:
We've been together just under 2 years, moved in early February.

Me and the missus pay 50/50 in everything. We have a joint account, so every payday we transfer our shares of the mortgage, utility bills etc... We normally put in a little bit extra for a rainy day or for tough months.

Then we each manage our own accounts however we like. In terms of food we just buy what we need, take it in turns, or depends on how each of us is doing financially... Its quite a laid back thing. But its basically as if both our wages are ours as a whole.

She earns quite a bit more than me as well.

I really don't agree with somebody paying 75% and the other 25%, just because one person doesn't earn as much. Total BS imo. You both live there!

That's almost like saying, X showers once every day but Y has a bath every day thus using more water. Y should pay 75% of the bill because they use more!... daft imo!
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It really isn't, that makes no sense at all.

If someone earns 10x more than their partner why would that person expect the partner to put the same amount of cash in? It's just an insane proposition.

It's not at all like saying what you said. Not even slightly. It's more like saying 'I can't afford these bills so we'll just not pay them even though you can afford it, otherwise you'll be putting more in than me'.

An absolutely stupid way of doing things.
 
Indie said:
I really don't agree with somebody paying 75% and the other 25%, just because one person doesn't earn as much. Total BS imo. You both live there!
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My partner earns 8x what I earn. She'd rather pay more and live in a nicer house/area than split everything 50/50. Currently we split the bills down the middle and split the mortgage 75/25. If we'd split the mortgage 50/50 then we could only have afforded a house (or more likely flat) that was half the value of the place that we bought.

Do I feel bad for not contributing as much? Of course but it's something that we've agreed and makes logical sense.
 
Gilly said:
It really isn't, that makes no sense at all.

If someone earns 10x more than their partner why would that person expect the partner to put the same amount of cash in? It's just an insane proposition.

It's not at all like saying what you said. Not even slightly. It's more like saying 'I can't afford these bills so we'll just not pay them even though you can afford it, otherwise you'll be putting more in than me'.

An absolutely stupid way of doing things.
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Judging by what the OP has said, It makes perfect sense, your still living in the same house, you still have the same total income between you. but one person pays more? That, at least in my opinion, sounds more like a house share than living with a partner.

Just my opinion mind, but I just can't get my head around it. Especially in the OP's case. If she earned enough to pay 50/50 rent working part time, she can certainly afford to pay working full time. Now that's logical!?

Tunney said:
My partner earns 8x what I earn. She'd rather pay more and live in a nicer house/area than split everything 50/50. Currently we split the bills down the middle and split the mortgage 75/25. If we'd split the mortgage 50/50 then we could only have afforded a house (or more likely flat) that was half the value of the place that we bought.

Do I feel bad for not contributing as much? Of course but it's something that we've agreed and makes logical sense.
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not at all saying you should feel bad for contributing less, but if you split it 50/50, then she'd still have more money from not paying the extra 25%. Between you, you still have the same amount of money!
I dunno, maybe im out of touch! lol ^^

I guess it boils down to. Doesn't really matter what you pay, so long as its paid and your jolly!
 
Gilly said:
It really isn't, that makes no sense at all.

If someone earns 10x more than their partner why would that person expect the partner to put the same amount of cash in? It's just an insane proposition.

It's not at all like saying what you said. Not even slightly. It's more like saying 'I can't afford these bills so we'll just not pay them even though you can afford it, otherwise you'll be putting more in than me'.

An absolutely stupid way of doing things.
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I disagree. What he says makes at least some sense - there is no implicit link between how much you earn and how much benefit you draw from accommodation/other services.

When I first moved in with my wife she earned a lot more than me (about 60% higher gross), we paid the same proportion. Over time, my salary increased to the point at which I earned 40% more than her - we still paid the same proportion.

When you talk about not paying bills because someone can't afford them, that isn't always the case. In many cases people can have differing incomes but still afford to both contribute 50:50.

I believe both ways of operating have their merits. We have recently changed our approach because my wife is on maternity leave meaning her income has dropped to a level close to the point at which it is no longer affordable to split bills.

Also, just because someone has higher income it doesn't mean to say they can afford to contribute more towards bills - they may have personal debts that need servicing.
 
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