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# Financial Arrangement in a Long-term Relationship

## Background

After five years together, my partner and I are finally going to start living together officially next month. However, we have been unofficially living together for the past three years, moving back and forth between his place and my mumÔÇÖs house.

## Housing Situation

He is purchasing a house, and my name will not be on the mortgage. I will have no ownership over the house or any belongings inside it. I will not have a say in any decisions regarding the house, including decorating and furniture choices. The house will be entirely his, not mine. His monthly mortgage payment is £900.

## Financial Disparity

I do not have my own place and currently live with my mum because the cost of living alone in the UK is too high for me to afford with my low-paying job. Despite my modest income, I genuinely enjoy my work.

He earns £96k per year, while I make £19k. We both agree that our respective earnings should be taken into consideration when determining a fair financial contribution from me.

## Shared Expenses

Currently, we split food costs unequally, with me covering more due to being the primary cook. Additionally, I am solely responsible for driving, including funding my car and paying for fuel.

## Seeking Advice

I am unsure about the fair amount I should be contributing towards rent each month and how we should fairly split other household bills. I want to avoid any financial strain on either of us and reach a balanced agreement that benefits both parties. The current situation is causing arguments, and I want to ensure it is resolved amicably.

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