Boyfriend money problems

Shannon

I am not confident in my partners money managing skills. While his income is inconsistent, he can make 1-3k a week, but he does not save what he makes and is playing catch up month to month. This is concerning to me because I have been planning to purchase my first home this year, with the intention of us living in it together, and am not sure if he can provide.

My partner and I have been together for four years, and we have talked about moving in together and engagement being the next steps in our relationship. We both live in one bedroom apartments and my lease ends in a few months. One idea was to move in to his place when my lease ends but I have a cat and work from home so it would be a bit tight. This would allow us both to save while we take our time looking. It was his idea but when I brought it up recently he seemed hesitant.

I have been talking about wanting to purchase a home for the last two or so years. I’ve paid off all of my debt, padded my savings, cut down on material spending, and have started a home buying program to help with those home buying costs. When we talked about the homebuying process, the home would be in my name because my credit is great, I already know what realtor I am using, and I have the money saved up.

Early on in our conversations, he suggested that whatever amount I could put down on the home he would match that. Since I started the program, we were talking about the home and I asked is he ready to purchase in the next six months. He said he “can be”, however he has no savings, is asking me for money (which he pays back) and is behind on his own bills. When I brought this up to him, he only speaks about on his potential earnings and plans, not what he’s doing now. While I do believe in purchasing a home based off of one income (mine, and in case something happens like losing a job, becoming ill, etc) I am worried that I will be the one footing the whole bill and not being able to contribute even if he lives there.