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Joined 2 years ago
Cake day: June 16th, 2023
  • BastingChemina@slrpnk.nettoAsklemmy@lemmy.ml•What is a fair way to split costs when my girlfriend moves in? (I own the apartment)
    8·
    3 days ago

    As others have said, there is no right answer but here are my thoughts based on my experience.

    Mortgage

    The apartment is under your name so I would expect you to pay the mortgage.

    One thing you could do is that your girlfriend puts a share of the mortgage cost into a savings account under her name. It could be the equivalent of what she’s paying now for her rent of the equivalent of your mortgage minus 30%.

    This way if you stay together and decide to buy a new home you can both contribute to it with a nice down payment and if you split up you both get your marbles back.

    It also levels your salaries and you are contributing equally to the housing cost so there is no resentment being built on your side.

    Utilities and groceries

    What I did with my girlfriend (now wife) is that we were doing a pro rata monthly contribution to a bank account that was used for everyday life. In your case you are earning 30% more then you can contribute 30% more to this account. Then everything like electricity, groceries, restaurants together … Was deducted from this account.

    It’s quite easy to get a free bank account with two cards so we used that (we used N26 at the time but there are plenty of options, the bank account was technically a single person account with two cards but it did not really matter since we were not keeping a lot of money in it). We started by keeping track of all our expenses on an app like Tricount and regularly balancing our contribution, it’s easy to set up but it requires to keep track of all our expenses and was quite annoying to do on the long term.