Finances

Leave your opinions at the bottom please:

I'm really struggling with the way my S/O and i's finances are right now. We both have seperate accounts. We both make our own money. He makes over 100,000 a year. I make a little less than 50,000. With my new job, I'll be making alot less.

He owns the house, all the house bills are in his name. Then extra he just has his insurances and phone bill, and his "toy" payments I have my own bills as well (car payments, insurance, phone bill, internet, give him rent money, gas and groceries) my Bill's litterally almost equal my monthly check.

I used to be able to save money, because I was making way more than I am now. I've explained this too him. I'm litterally living pay check to pay check, and still taking outta my savings. We have a baby on the way.

When we talked about this before he said he'll start paying for groceries 😒 that didnt help nor did that stick. He works 2 weeks away out of the month. When I asked what were gonna do when i go on mat leave he says I'll transfer you money when you need it.

He refuses to get a account together, he doesnt want to switch it so the Bill's all come out in one.

What other options are there?

He spends money like it's nothing, gambling, impulse buys etc. & I want to cry because I dont know what I'll have left over after Christmas presents. I need some strategies here please because I cant live like this anymore.

** EDIT **

I pay him "rent" towards the bills/mortgage. Morgagte is 1550. I pay 550, our room mate pays 550 & he does the rest. Roommate is moving out before baby comes.

Also - I'm an Independent woman. I've lived on my own since I was 17 (bad childhood) I've literally worked my ass off my whole life to be successful. I moved out of the city to a small town 2 hours away, for my partner. Jobs are limited in the human services field. I used to work week on week off night shifts (it was the only job I could get when I moved here) making about 3500+ a month. But it was causing alot of stress and causing relationship problems because his first week home would be my week on. & I had to drive 50 minutes a day to get there. So I quit and am an EA in town making about 2000-2300 a month, working 2 jobs to try to make up for the lost income.

I've never asked a partner for money. I usually struggle without them knowing trying to make it work. But now, I'm trying to save for a baby. & it's nearly impossible when I'm paying 1800 in Bill's making what I make and hes paying $2400 making what he makes. If any of this makes sense