Money Saving Expert – Living in a house my partner owns

[Won'tGetFooledAgainParticipant 3293]

Cupcake has a child from a former relationship, lots of debt and has just moved into her boyfriends house. Boyfriend bought the house before he met her, has the mortgage in his name and paid the deposit himself.

https://forums.moneysavingexpert.com/showthread.php?t=5903359

She’s worried what might happen if they split and “I do not want to take anything that he has worked hard for, I am not a money grabber, that is not why I am in the relationship. However, I do want to be able to protect my daughters and my security.

What would you suggest.”

I suggest this guy is going to get actually rammed in a few years when she gets bored and wants the tingles again.

For women, everything eventually boils down to Alpha Fucks, Beta Bucks.

[Anonymous 12]

…we suggest you marry for security, and then divorce for money.

Dickhead&B~~~~ack bearing humans… listen up!

[Anonymous 13]

“Have you discussed at what point it would become ‘your’ home rather than his?”

That part of the answer says it f~~~ing all.

Avoid these parasites like the bubonic plague.

#MANOUT

[Nags4CashParticipant 1163]

Has she considered getting a job…

Murph ~ There is nothing brave or manly about entering into a contract with somebody which allows them to take your money, assets, children, and decades of your future income on a mere whim.

[Won'tGetFooledAgainParticipant 3293]

Nags4Cash wrote:

Has she considered getting a job…

apparently she works full time and they both “earn good money”

However, he put £100k deposit on the property and she is currently £20k in debt. Here are some of the comments from the hive :

“If you stay with your partner and you sell this property to buy a bigger, jointly owned one – at that point it might be a better moment to request that the equity split in the new property reflects your contributions to the old property equity. Or even better try for 50:50.”

Sounds fair, why not go 50/50 when you have not put a penny in and his share is £145k (£100k deposit+£45k equity)

“£205k mortgage say 25 years @ 2.5% £920pm

£600 say £200 for bills £400 “rent” towards the mortgage

(£205*(£400/£920))/£305k= 89/305 ~= 30%”

She has lived there since March 2017 and pays £600 a month for “rent” and bills. I think this woman is saying she is due 30% of the property because of this?

The original poster of this thread is clearly already thinking of the end game as she states he paid £305k for the house and now estimates it is worth £350. All this woman has done is have a child with another loser, get £20k in debt and gives this new wallet occasional access to the vagina.

Boils my p~~~.

For women, everything eventually boils down to Alpha Fucks, Beta Bucks.

[SpleeferParticipant 958]

Great post, excellent reminder on why you don’t let them inside your house. They are just like the Lost Boys, they can’t come inside uninvited.

Galatians 5:1 (KJV) Stand fast therefore in the liberty wherewith Christ hath made us free, and be not entangled again with the yoke of bondage.

[Secret Agent MGTOWParticipant 22503]

Won'tGetFooledAgain wrote:

Cupcake has a child from a former relationship, lots of debt and has just moved into her boyfriends house. Boyfriend bought the house before he met her, has the mortgage in his name and paid the deposit himself.
https://forums.moneysavingexpert.com/showthread.php?t=5903359
She’s worried what might happen if they split and “I do not want to take anything that he has worked hard for, I am not a money grabber, that is not why I am in the relationship. However, I do want to be able to protect my daughters and my security.
What would you suggest.”
I suggest this guy is going to get actually rammed in a few years when she gets bored and wants the tingles again.

shes a liar, the excuse about security proves it. rationalization hamster. glen close ‘i will not be ignored’ moment.

Women want everything, but want responsibility and accountability for nothing.

[Won'tGetFooledAgainParticipant 3293]

Secret Agent MGTOW wrote:

shes a liar, the excuse about security proves it. rationalization hamster. glen close ‘i will not be ignored’ moment.

Response from a man “However the reality is you’re probably living very cheaply at £600 pm compared to renting a place of your own. To actually expect to have gained some equity as well would possibly look a bit cheeky in the cold light of day after 18 months. I get where you’re coming from and you have a child to protect but as you have debts and were renting before you are still probably gaining significantly from the current arrangement. Presumably you would be able to save considerably towards the ‘unknowns’ if you didn’t have debt and similarly living relatively cheaply is helping you pay off those debts.”

Response from a woman “He’s treating you as if you are a lodger, which you are not, yet you are contributing towards improvements in the home. I can understand where he is coming from but it sounds as if he is having his cake and eating it.”

Response from the Original Poster “I guess (right or wrong) I feel like we have proved that we live well together and I’m not going anywhere, yet I’m still paying a ‘trial’ can-we-live-together-protecting-his-interest agreement on the household.
My partner earns 2.7 times more than me and our bills are currently split almost 50/50, we both pay for small improvements on the house, yet big ticket items he does pay.
I do not want to ‘take’ anything, or benefit from him, but part of me feels that because i don’t benefit he does substantially. I also want nothing to do with any of his savings or investments (such as the property he owns elsewhere and rents out) as I have made no contribution to any of this. I’m not even saying I want a stake in our home, I just want to know where I stand and to do what is ‘fair’.”

She has £20k of debt and he has two properties and earns 2.7 times what she does…..

So while she was on the carousel getting pregnant by chad this blue pill guy was clearly working hard, saving all his money and investing in property. This is the idiot who gets to pay full retail for her pussy and pickup the tab for 15 years of carousel partying.

For women, everything eventually boils down to Alpha Fucks, Beta Bucks.

[Will RobinsonParticipant 3479]

He should be charging her increased rent as she also has a daughter, so that’s 2 tenants. So double the rent to £1,200 a month. Plus any childcare costs charged at £100 per hour.

Then charge her for the benefit of his time and company.

If she doesn’t like it, she can f~~~ off and go live in a cardboard box under a bridge. I’d never let a woman in my house, not even as a female tenant paying rent.

Men would be better off learning to put themselves and their own needs first. Live like women don’t even exist

May you walk in peace and happiness, May you and all mgtow, near and far walk in peace and happiness.

[Branched offParticipant 10920]

I do hope that guy does not budge. If he caves in, she will surely divorce rape him later.

Look lady, you are getting a good deal here. If you do not like it take yourself and your daughter elsewhere and rent while still seeing your boyfriend (but I am guessing the relationship would not survive that, so I reckon you are just a parasite).

A woman is like fire -fun to play with, can warm you through and cook your food, needs constant feeding, can burn you and consume all you own

[OgreParticipant 5863]

Every time somebody suggested that her share was less she countered with, but my feels, but my daughter, but we put money in a joint account that is pulled from for my daughter’s expenses. She Harper on the 600 a month, but he pays partially for her kid.

He took the risk by paying the full down payment and securing the mortgage. I hope he chucks her to the curb.

I failed to realize in my youth that I was the prize. I was going to work. I was going to earn. Little did I realize that due to feminism, that no longer meant I had to share. Road soon, Desert after.

[sidecarParticipant 35837]

Won'tGetFooledAgain wrote:

“I do not want to take anything that he has worked hard for, I am not a money grabber, that is not why I am in the relationship.

LIES!

Pernicious lies!

However, I do want to be able to protect my daughters and my security.

And there’s the tell. There’s her rationalization for being a lying, golddigging whore. She’ll f~~~ him over “for her daughter”.

Yet another example of why “listen and believe” is such bulls~~~. Women lie all the goddamn time.

[AwakenedParticipant 35200]

ANY Man that Lives with ANY Woman for ANY Reason is Potentially F~~~ED !!!

In a World of Justin Beibers Be a Johnny Cash

[MonkParticipant 16975]

…the house is currently worth about £350k.

The property is now potentially in profit, so it’s time to make her move.

I have a daughter from a previous relationship …

Another ‘instant family’.

My daughter does not have overnight visits with her bio dad and hasn’t done in about 5/6 years, so this house is her home. [….] However, I do want to be able to protect my daughters and my security.

Rationalising using the child for her own gain.

[Anonymous 38]

If this man has any sense he’ll get her on a tenancy contract, legally she will have rights of a tenant only. Money grabbing scheming little c~~~.

Won'tGetFooledAgain wrote:

So while she was on the carousel getting pregnant by chad this blue pill guy was clearly working hard, saving all his money and investing in property. This is the idiot who gets to pay full retail for her pussy and pickup the tab for 15 years of carousel partying.

Lol, love it.

[BeerParticipant 11832]

Where I live, 600 dollars a month isn’t even enough to get a s~~~ty 1 bedroom apartment. 600 dollars might not even cover the property taxes on a 350k house here. For 600 dollars a month she gets a house with utilities paid for, probably tv/internet, maintenance, etc, all included.

It sounds to me like this dude is already subsidizing her and all she can think about is how she “deserves” more. If she really feels like she is getting screwed over on that 600 dollars a month she could just move out any time she wants.

[Puffin StuffParticipant 24979]

Not even my ex-wife of four years touched any equity I had in my house. She didn’t think of it. She also didn’t know that there are special laws for division of retirement with the ex-wife getting more than 50% because overtime his money will rise with the cost of living increases that occurs over time in investments. I gave her 50%.

If you have to marry, you just can’t live without it, then marry dumb. It’ll help you in the end.

#icethemout; Remember Thomas Ball. He died for your children.

[BrainPilotParticipant 7640]

The only 2 questions I would have for the woman in the original article are these:

1 is your standard of living higher or lower than it would be if you had never gotten into this relationship with him?

I suspect her standard of living is higher because if he couldn’t improve her standard of living, she would not have agreed to get into this relationship with him in the first place.

2) Could the financial contribution that you are making to your arrangement buy you that improved standard of living you and your daughter are enjoying?

I suspect that she could not buy that improved standard of living with her current contribution because if she could, she would have already bailed from the relationship in search of the bigger better deal.

My answer to her would be: that man has already made an enormous and unearned contribution to your daughter’s “security” by allowing her to live in his home at a cost that you, her mother, could not otherwise afford to provide to her. If you are that concerned about your daughter’s “security”, the proper thing for you to do would be to insure your relationship to that man by being a better girlfriend than any other woman could possibly hope to be. You can best insure your daughter’s security by showing some gratitude to that man for the contribution he has already made to her “security”. You could start by giving him the best blow job of his life twice a day, everyday until your daughter turns 18, and making sure he eats better than any other woman could hope to cook for him. Focus on making yourself an asset to him instead of on how you can best justify taking even more unearned resources and benefits from him than you already have.

That man has moved 2 children into his home. Now, one of them is planning to take from him as much as she can get while using the other of them as the excuse for doing so.

Look, it's not my fault that tornado dropped a house on your sister. Now get back on your broom and get your ass out of here... and take your monkeys with you

[BeerParticipant 11832]

Won'tGetFooledAgain wrote:

apparently she works full time and they both “earn good money”

However, he put £100k deposit on the property and she is currently £20k in debt. Here are some of the comments from the hive :

“If you stay with your partner and you sell this property to buy a bigger, jointly owned one – at that point it might be a better moment to request that the equity split in the new property reflects your contributions to the old property equity. Or even better try for 50:50.”

Sounds fair, why not go 50/50 when you have not put a penny in and his share is £145k (£100k deposit+£45k equity)

“£205k mortgage say 25 years @ 2.5% £920pm

£600 say £200 for bills £400 “rent” towards the mortgage

(£205*(£400/£920))/£305k= 89/305 ~= 30%”

She has lived there since March 2017 and pays £600 a month for “rent” and bills. I think this woman is saying she is due 30% of the property because of this?

The original poster of this thread is clearly already thinking of the end game as she states he paid £305k for the house and now estimates it is worth £350. All this woman has done is have a child with another loser, get £20k in debt and gives this new wallet occasional access to the vagina.

Boils my p~~~.

So she’s paid so far 600 x 18…for a grand total of 10,800 bucks. We know the guy has at least 45k in equity on top of his 100k down payment…but what we don’t know, was the increase in house value due to him putting money and work into it? A 15% property value increase in 18 months is ridiculously high compared to long term real estate appreciation averages.

Regardless…she feels entitled to at least half of at least 45k…after paying 10,800 for “rent” and living expenses? She basically wants the guy to pay her for having been there should she decide to leave.

What she fails to think about is where would she be without this guy and was on her own? Probably paying a lot more than 600 dollars for a place a lot s~~~tier of a place than where she is now. Or how about if the guy was a financial train wreck like her. If they split a 1200 dollar a month apartment there wouldn’t be any equity to worry about…why should it be different just because the guy is doing well for himself, especially considering total living expenses for her and the daughter are probably a lot more than 600…she’s already getting a deal and wants more.

I’d split equity with someone, if we both put 50/50 towards the down payment and split all the bills down the middle. If he sells and buys something with her he should put all the money he gets from sale of this house into his own account and tell her 50/50 down payment, 50/50 on everything afterwards…he’d be a f~~~ing idiot to cash out of this house and plow all that money into a house in both their names. He’d be handing her probably an 80,000 dollar gift soon as he did that.

Like I mentioned she fails to think about where she would be without this guy…but if the guy is going to fork over any equity to her, he’s clearly failing to think about where he’d be without her, which would be in a much better position. Ultimately equity split agreement or not, marriage or not, he’s probably going to get f~~~ed over by common law bulls~~~ down the road which sucks for him, but hopefully will serve as a reminder to other men.

[Sky-OParticipant 18933]

There is a way bigger problem here than: home equity, rent vs. percentage ownership, etc

The guy is living in the same house as his girlfriend and her daughter.

A daughter that is not his biologically.

He is going to be out alot of money but not in terms of future joint equity in a house.

The legal bills for his defense attorney when the molestation charges hit him will be huge.

Because that is a card in the deck that Pumpkin will pull out and falsely accused him of when the time comes.

[Author]

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