Been with my partner for four years. Both early/mid 20’s, he works full time and I work part time and study.
I love everything about him, except one thing. His money management is absolutely horrendous, and quite honestly the only cause of our arguments. He’s lived away from home for a year and we will be moving in together this year as I’ve just graduated and moved back to the city we’re both from, but I genuinely can’t see us getting along if he doesn’t sort his ideas out.
He works hard and makes good money (around 1k every 2 weeks after tax) but doesn’t know how to save or budget well at all. I hate having to keep on at him about it, but I feel like after four years of being together, I still have every right to be concerned. He’s always paid his rent and bills, but the rest quickly goes leaving him with nothing left.
We hardly ever go out and do fun things as a couple because he has no money. Not to suggest everything we do has to involve it - but a trip for brunch or maybe a round of golf would be fun to do, and yet we can’t.
Pre-COVID, we had to cancel a holiday that I had already paid my half on (and didn’t get back) because he didn’t tell me until last minute that he didn’t have the funds saved, despite it being planned well over a year in advance.
I’ve had to bail him out for things often, such as his phone bill or a subscription service, because I don’t want his poor credit affecting me in the future. I’d love to start saving for a mortgage, but he doesn’t understand the seriousness of needing to get his act together. He often tells me he wants all of this himself, yet shows no effort to change his ways.
Really stuck for ideas on how to make him realise that his behaviour with money has got to change. I don’t want to be nagging at him - by all means I just want him to recognise he needs to save, and then he can do what he likes with the rest of his cash.
Any tips would be appreciated if anyone has dealt with similar. TIA