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My girlfriend and I are both 25, we have been dating a year and a half and lived together for 7 months now. The way we worked it out was I will pay her and my car as well as we go half on apartment rent while she pays the Internet, electric, water, her insurance and her credit card . The thing is 3 times now she has told me even months after the fact that cert bills haven't been paid. The last time it happened was this week.
I have told her if she needs help with bills to let me know and when I ask her why she didn't tell me she doesn't tell me why. Our electric has been turned off twice now. We make roughly the same but she will just casually bring up some of the bills are overdue.
Uh.. that's not good. She obviously has not learned about these responsibilities and apparently had not lived on her own before. As mentioned, you should handle this by having her supply the amount of cash necessary, but it means you are taking on more, too. After you have a system of what is due and when each month, have her sit down with you to go over it. Not that you don't know, but she needs to understand what all is involved in a mutual living arrangement. This kind of thing is what occurs as a couple begins living together.
You should sit down with her and split up the bills again so that she is paying on her own car and you take over the utilities, just make sure it still splits evenly and she is giving you enough for her share. You should be the one sending in the payments for anything that is in your name and that she gives you the money each month for her half of the rent.
At some point she may ask you to cosign something since her credit is probably going downhill; make sure you never cosign or take legal responsibility for her payments or credit will go right down with hers.
She is still young enough to learn how to manage her finances better, but it will have to be something that she wants to do rather than something that you force her to do. If she is interested you may want to help her research using an envelope system or YNAB or some other system to help her get on track.
My girlfriend and I are both 25, we have been dating a year and a half and lived together for 7 months now. The way we worked it out was I will pay her and my car as well as we go half on apartment rent while she pays the Internet, electric, water, her insurance and her credit card . The thing is 3 times now she has told me even months after the fact that cert bills haven't been paid. The last time it happened was this week.
I have told her if she needs help with bills to let me know and when I ask her why she didn't tell me she doesn't tell me why. Our electric has been turned off twice now. We make roughly the same but she will just casually bring up some of the bills are overdue.
My girlfriend and I are both 25, we have been dating a year and a half and lived together for 7 months now. The way we worked it out was I will pay her and my car as well as we go half on apartment rent while she pays the Internet, electric, water, her insurance and her credit card . The thing is 3 times now she has told me even months after the fact that cert bills haven't been paid. The last time it happened was this week.
I have told her if she needs help with bills to let me know and when I ask her why she didn't tell me she doesn't tell me why. Our electric has been turned off twice now. We make roughly the same but she will just casually bring up some of the bills are overdue.
Dude - this should never happen more than once - bills to CreditCard, creditcard to checking account - auto-debit is your friend.
Sounds like my ex husband too.
OP, dont think I would have the gf just give you $ to pay because she will most likely short you on her share and all that will just cause more strife. Perhaps trade her car payment for the utilities to make sure they aren't shut off then she can worry about her own bills.
My ex and I had a joint acct. and each contributed X$ to cover bills. He didn't deposit his full X$ and checks started bouncing. He swore his did even though I had the deposits showing otherwise. I closed the acct., I paid the mortgage and made him responsible for the utilities. That way I knew we wouldn't lose the house and he could not say he paid the utilities if he did not. If they got shut off it would all be on him. That worked for us.
Sounds like my ex husband too.
OP, dont think I would have the gf just give you $ to pay because she will most likely short you on her share and all that will just cause more strife. Perhaps trade her car payment for the utilities to make sure they aren't shut off then she can worry about her own bills.
My ex and I had a joint acct. and each contributed X$ to cover bills. He didn't deposit his full X$ and checks started bouncing. He swore his did even though I had the deposits showing otherwise. I closed the acct., I paid the mortgage and made him responsible for the utilities. That way I knew we wouldn't lose the house and he could not say he paid the utilities if he did not. If they got shut off it would all be on him. That worked for us.
When the ex moved out, I started paying the mortgage on time. Paid off the balance forward. Paid the bill on forward on time in full.
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Girlfriend isn't responsible with bills.
