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Lease advice

Posted by on Jul. 19, 2013 at 9:55 AM
  • 10 Replies
I really need some advice . My current apartment lease is only in my name and it is section 8 because I do work but only part time because I am in school full time so my income is only $600-$800 a month . My boyfriend who I have been with for 6 months but have known for 6 years makes a lot more money then I do . He works part time and full time . His income is about $2,000 monthly. We found a apartment that we absolutely love. The problem is that with both of our income we make too much because they have income guidelines. Even just with his income we still make too much. So our only option is to have only me on the lease and have him sign something saying he's going to help me with $450 of the $650 rent . But really he will be paying rent and our cell phone since I am on his plan, his credit card, his student loan, and his car insurance and I will pay Internet, groceries, electric, my medical bills, and start on paying my student loan even though I am still in school. My only worry is IF we ever break up is that, that financial responsibility to pay the rent will all be on me. Also, he does live with me at my apartment currently. I spoke with him about my worry and he got upset that I was even thinking like that. Him and I have a wonderful relationship. He is my best friend. We have only been together officially for 6 months but we were "dating" for about 8 months before that and we have known each other for 6 years. I pray that we never break up and that we get married (he wants to wait till we have been together longer) but we have discussed it. He is my everything. I never thought that I could be so happy in a relationship with someone but I am and I wouldn't change it for the world.

Anyways, has anyone else done this? What was the outcome? What is your input? Please no bashing. Advice?

Thank you
by on Jul. 19, 2013 at 9:55 AM
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Replies (1-10):
QuiltLover
by Jocelynn on Jul. 19, 2013 at 10:39 AM

If I were in your position,I would not do anything as far as legality , being secure is what I would be wanting in my life.

jwhit8791
by Member on Jul. 19, 2013 at 3:31 PM
1 mom liked this

Sorry, but there is no way that I would do this.  I would look for an apartment either you or he could afford until you get married.


I was with a guy for 4 1/2 years and we bought a house together.  This was going to be the father of my children and we had talked about marriage.  Turns out he just used me to get the house and then dumped me 6 months after we moved in.

Never go into a contract with someone that you are not married to.  It is way too messy to sort out in case something happens.

baconbits
by Bronze Member on Jul. 19, 2013 at 4:48 PM

 I'd stay put. You can afford the apartment you're in now without him. I may be old school but why would he buy the cow when he already has the milk. You move in together then he's got the milk in the Fridge. Yeah I know an old school way to look at things but still true much of the time and no I'm not tearing you down. I'd just rather see you be strong and make it thru college on your own and just date. Once you move in together things change and way to many women drop out to please their man.

GracelynJoysMom
by Member on Jul. 19, 2013 at 5:02 PM
Thank you that is very nice . I will be graduating in March with my Associates Medical Specialist (registered medical assistant and phlebotomy tech) then I plan on going back after graduation for my Medical Billing and Coding Associates degree. I have always been a very independent person and very motivated which is why I am stuck right now and not sure what to do. I will never give up on school because I enjoy it too much and I can not wait to get my career started.


Quoting baconbits:

 I'd stay put. You can afford the apartment you're in now without him. I may be old school but why would he buy the cow when he already has the milk. You move in together then he's got the milk in the Fridge. Yeah I know an old school way to look at things but still true much of the time and no I'm not tearing you down. I'd just rather see you be strong and make it thru college on your own and just date. Once you move in together things change and way to many women drop out to please their man.


ginene
by New Member on Jul. 19, 2013 at 7:43 PM
1 mom liked this
Since you're not married, don't do it. Don't risk all of that for a boyfriend. Even though you love him, he is still just your boyfriend. Just stay where you are comfortable enough to afford on your own. Don't make financial decisions that can last a lifetime with him. You make those kind of decisions with your husband. That way both of you would be responsible for it.

Either way I wish you the best with whatever decision you make.
baconbits
by Bronze Member on Jul. 22, 2013 at 9:21 AM

 You might want to rethink the graduating in March. Once you graduate with any kind of degree your finacial aid can be drastically cut. Instead you might want to see about going ahead with the Medical Billing & Coding Associate degree and then graduate at one time with 2 degrees. Check with your finacial aid office and see what they say.

I just encourage you to stay independent in school. If something should happen (and it does) you could be stuck with a place you can't afford or out in the cold at a time you can least afford it. Keep dating and if he doesn't understand it then I'd say he's not the man for you. A man who truely loves you would support you 100% with your choices and not get mad over it. Even though you have known each other for several years it doesn't change things.

Quoting GracelynJoysMom:

Thank you that is very nice . I will be graduating in March with my Associates Medical Specialist (registered medical assistant and phlebotomy tech) then I plan on going back after graduation for my Medical Billing and Coding Associates degree. I have always been a very independent person and very motivated which is why I am stuck right now and not sure what to do. I will never give up on school because I enjoy it too much and I can not wait to get my career started.


Quoting baconbits:

 I'd stay put. You can afford the apartment you're in now without him. I may be old school but why would he buy the cow when he already has the milk. You move in together then he's got the milk in the Fridge. Yeah I know an old school way to look at things but still true much of the time and no I'm not tearing you down. I'd just rather see you be strong and make it thru college on your own and just date. Once you move in together things change and way to many women drop out to please their man.


 

moogsmom03
by Member on Jul. 22, 2013 at 10:59 AM

bad, bad, bad idea. Keep things the way they are so that you are financially independent. Just in case. The possibility of splitting up is always there no matter how happy you are now. You never know what might happen. Your first priority should be to protect yourself and your kids. If he really cares about you he will understand and support your decision until you are married and legally tied to each other, then you have some sort of leg to stand on if you guys did split up later on.

FindersKeepers
by Bronze Member on Jul. 22, 2013 at 3:46 PM

In my state your section 8 qualification would be cancelled if you let someone move in with you.    In this case you need to put your financial security and your child first.   There is too much risk to give up your affordable, comfortable living situation.  

I do not have any issue with moving in before being married, but in your situation you would lose too much if the relationship did not work out.    I would live separately until you are married or no longer living in Sect 8 so that you do not risk your housing situation .

nurse1997
by Member on Jan. 3, 2014 at 10:40 PM

Fraud u can get in big trouble - I would not do it !

ivf_blessed
by Bronze Member on Jan. 9, 2014 at 2:56 PM

You are right to be worried and I hope after he calms down he can see that it's a valid worry.

Personally, I would never sign my name to a lease or loan by myself that I could not pay myself.

I would stay where you are and continue to be great together!

Good luck with your schooling!

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