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Ahoy, Captain!

My partner and I have been together for about three years now. We don’t live together, but lately my partner has been saying that he would like to start cohabiting –  not necessarily immediately, just at some point. Mostly I’m the one saying “let’s not.” There’s a few reasons for that, but a major one is financial.

I work full time at a higher wage than my partner, who works part time. He’s frequently out of money by the time his next paycheque comes, while I can count on one hand the number of times I’ve been straight-up broke, even when our incomes were more comparable. When we go out, I usually pay, which is not a problem for me; I’ve also occasionally lent him money for things he really needed, like a bus pass at the beginning of the month, and when something is clearly expressed as a loan, he’s fairly good about paying me back. However, I’m not totally on board with the way he prioritizes his spending. For example, his bed frame has been falling apart for the last year and a half. He said he couldn’t afford to replace it – but in that time, he’s definitely spent more than the price of a cheap Ikea bed (let alone a Craigslist find) on books and games.

I’m not criticizing him for spending his money on things he likes. It is, after all, his money! He’s a grown-ass man and he earned it. I’m also not his mom, and neither he nor I wants me to nag him about financial responsibility. Basically, I just slap a big ol’ Not My Problem sticker on about 90% of his cash flow crap and move on with my life.

My concern is that if we do move in together, I will start shouldering not just most of our financial responsibilities, in accordance with my larger earnings, but ALL of them. I worry that if we did get together, he’d know that the rent would get paid and food would get bought no matter what, so why not go ahead and spend whatever he feels like – not inconsistent with what I know about his spending habits. He’s also got a big pile of student loan debt, and if we’re cohabiting and eventually end up being common-law, I don’t want to take on responsibility for that.

It feels cold, but basically, I’m afraid that moving in with my partner will mean taking a financial hit. It’s not necessarily one that I can’t afford, but it is one that I don’t want.

I’m not immediately on fire to move in with my partner right now – it probably wouldn’t happen anyway, for a number of reasons – but should I mention this to him as part of my reasoning? If so, how do I do that? And if we do decide to make that commitment together, how do we address this problem as a couple?

Many thanks,

Not Subsidizing Anyone

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Ahoy Captain,

I’m writing this after reading about the LW who kept getting stuck with the check.  I’m in the inverse of a similar situation, and I’m not sure of the best approach.  I’ve just started a job in an awesome place with a bunch of wonderful, appropriately friendly co-workers.  Apart from loving what I do there, this job will (slowly) get me out of a pretty grim financial situation created by student loans and intermittent work over the past two years.  For now, though, I’m on a skeleton budget and can’t afford much by way of unnecessary stuff, which is where the problem starts.  My co-workers have all worked together for a while, and they do this cool thing were they go out to lunch together a lot and take turns either paying for lunch, or collecting money from the office to run out and get food.  They invite me frequently, and once or twice have covered me for lunch on the rare occasion I forgot to pack one. I’d love to participate, but I can’t at the moment due to being behind on a lot of crucial bills.

The trouble is that it’s getting to the point were it feels really weird to be constantly opting out of these lunches, especially since we’re a small office, and the fact that I don’t volunteer to pitch in for food runs is creating some very awkward situations were I’m constantly removing myself from the rest of the group.  I know I’m coming across as either stingy or unfriendly, which concerns me because I really want to make this job a pleasant environment.  But it’s realistically going to be a few months before I can afford to do this, and I don’t want to explain my financial situation to my colleagues.  Are there any scripts or tips you and the awkward army know of to navigate this embarrassing situation?

Sincerely,

Economic Casualty

Dear Economic Casualty:

The first ever Captain Awkward reader question was about a similar topic, with friends and money and eating out. So, hey! We’ve come a long way.

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Dear Captain,

I was wondering if you could spare some advice on how to go dutch (AKA ‘make-people-pay-their-share) with people who are ‘sensitive’ (where ‘sensitive’ is in the ”easily-offended’ way, not the ‘sensitive-they’ll-figure-it-out-with-only-a-little-prompting’ way.) And these ‘people’ are all members of my in-law family which I would described as a relationships which are ‘generally-pretty-friendly’ but coated with a thick layer of ‘don’t-rock-the-boat’.

I don’t mind being generous (and I come from a family of similar) but I’m finding it increasingly difficult to deal with my in’s who are all financially well-off but when a bill comes around for a shared service are always suddenly stuck by the need to ‘go to the bathroom’ or ‘get something from the car’, have forgotten wallets, don’t have cash on them right now, will ‘get the next round’ or ‘are really short this week’.

I’ve tried some techniques in the past -

  • Pre-arranging payment methods beforehand (these get ‘forgotten’, wrong payment is brought, or guilt is brought out ‘I didn’t know it was so expensive here’)
  • Only bring a set amount of cash or trying to remind them that I had the last round (the ‘bring only a set amount’ has been a disaster – its resulted in long moments standing awkwardly round the till in silence with everyone looking at me while I muttered pathetically “Sorry, I only brought enough for me” or worse, they have all walked out/vanished leaving the bill unpaid. A member went back and paid it once we realized it hadn’t been covered but the experience was very unpleasant. The ‘I had the last round’ is met with excuses similar to if payment is pre-arranged).
  • Ask my husband to speak with HIS family about this. This had been met with either apathy and sympathy but no results. (“Yeah, they are like that and it is annoying. But that’s just how they are.”) (“Just don’t go out with them then.”)

I like spending time with my in-law family and we do a lot of other free fun things together but I’d also love to occasionally go out for a meal, see a movie or get my nails done in their company without having the pay for the pleasure.

Advice?

Not-Made-of-Money

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Four letters about The Guy Who Would Be Perfect If Not For That One Dealbreaker Thing. I didn’t publish the 5th of this ilk that came in this week, which was about a perpetually-unemployed-and-not-trying, bad-in-bed man who was also mean. That one was too easy (Bees! Run!). These are harder because people don’t have to be evil to be not quite right for you.

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Dear Captain,

I have a dilemma. I’ve been having a terrible year in 2014 (and 2013 was pretty shit also!) My husband and I have been having a rocky year in our marriage, I have just started an antidepressant to deal with my ongoing and dangerous depression, we have a $25,000 fee to pay to our condo I still don’t know how we’ll finance, and I have been balancing full-time work and full-time school schedule for nine months. Basically, I’m tired to the bone physically and emotionally.

My husband, Jack*, and I are currently in the process of going through some counseling and things on that front seem positive and hopeful. The problem is, he recently asked me if his brother can come stay with us from June to August to work in our town. Jack’s brother, Bill*, along with the rest of his family members, live in a faraway province with little economic action. We live in a booming economy with many jobs, especially in Bill’s area of interest.

I had not been planning to take any courses over the summer and was looking forward to some rare downtime and the chance to recover and feel like myself again. With an air mattress in the basement serving as a “spare room” and only one shower, living area and kitchen, it’s inevitable that Bill would end up encroaching on our space. Although he’s in college now he’s still a teenager, so I’m also concerned about his cleaning ability or lack thereof. Plus, frankly, I just don’t want to deal with a houseguest for the whole summer!

Jack misses his family a great deal. This would be a great chance for him to catch up with his brother and bond, to say nothing of the opportunity for Bill to build work experience in his field. I can’t help but feel like the bad guy if I say no, but I’m already mourning my lost, private summer full of reconnecting with Jack and having plenty of alone time. Should I kibosh the trip and live with the guilt? Say yes and quietly resent every moment? PLEASE SEND HELP.

Yours,
Houseguest versus Hag

*all names changed

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Dear Captain Awkward,

I’m a 25-year-old living at home with my parents; I received a BA in English/Creative Writing about two years ago, and I haven’t done much of anything since then. I’ve been struggling with depression and anxiety (especially social anxiety) for practically my whole life, and a couple months ago I was also diagnosed with Asperger’s. On top of that, I have some physical health problems: tons of food allergies that cause a lot of digestion issues and Fibromyalgia. These all make my daily life pretty difficult. I’ve been seeing a therapist for about a year, but I feel like I haven’t made any progress.

I have very little energy to do anything; I sleep late every day no matter what time I set my alarm clock for, and every day I take naps for two hours or more even if I set an alarm to try and force myself to get up sooner. Most days I stay at home, but on days when I have to leave the house, I come back home later completely exhausted for the rest of the day – sometimes for more than one day. So it’s really difficult for me to find the energy to force myself to do things, not to mention the motivation.

I haven’t written anything since I graduated, and I can’t get myself to draw anything either (I took plenty of drawing classes as well and for a while I thought about starting a webcomic, but I just don’t have the energy or the motivation to keep up with something like that). I also don’t have any social life, because I never made any real friends while I was in college, and I’ve lost contact with all of the friends I had in high school, so I’m pretty socially isolated.

I’ve been working on getting a driver’s license, but it’s slow going. For the past month and a half, I’ve tried doing yoga for about ten minutes a day, but I don’t think it’s made any difference in my health. My primary care doctor doesn’t have any other suggestions.

With all of this, I don’t know if I could handle holding down a job. I can’t imagine ever having the energy to work for five hours or more at a time. My parents want me to try and apply for disability to help pay for my college loans, because they’re paying for them right now and it’s hard on them. But my parents have always been very overprotective, and I worry that they’re not pushing me as hard as they could be to do better. I want to someday be able to live independently, but I’m not sure what kind of job I could work or how I could make that possible.

I guess this is my question: How do you know the difference between being completely unable to do something (like get a job) and being scared or finding it difficult?

Thanks,

Exhausted

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My feet are cold, but my heart is warm thanks to the generosity of the Winter Pledge Drive contributors. Thank you so much! Support the site if you can!

Today’s letter is about money and family and when those things come together in a manipulative and possibly sinister way.

Dear Captain Awkward,

My parents passed away three years ago, leaving my little brother and I in the care of my Uncle and his wife. Their method of raising children is very different from what we were used to. Mom was the type who would say no to something and then explain why and often prompted discussion. Aunt is the type who yells no and glares if you question her.

I was 17 when I moved in with them so they haven’t been able to control me as much as they have my little brother. That said, they do still restrict me a lot. We live in the middle of nowhere so I can’t move around on my own, my phone and internet are regulated, and several times Aunt has snooped on my laptop. ‘My room’ is a free-for-all where her siblings come and go as they will and she often gives my things away because ‘they were getting old.’ I should stand up to them, I know that. But then I think they didn’t have to take us in and I really don’t want to cause any more trouble, so I quiet down again.

This year they’re intending to move to a new, much more expensive house in a very upscale area. Uncle took me aside and said that once I turn 21 this year and get my inheritance, he’s going to need some help, and alarms started going off in my head.

He says the new place will enable me to move around freely, and even get that summer job I’d been begging them to allow me to apply to, but it just feels like he’s trying to butter me up. He’s often promised me things that his wife then goes around and disagrees with, or outright denies they ever said. My friend is telling me I should run away, live on my own (practically impossible in my country) or, failing that, once I get my money I should sit them down and talk about the terms of my ‘helping.’ On one hand, that does seem reasonable. On the other hand, it also feels ungrateful.

I wouldn’t mind paying rent and my own expenses. I already pay for my college and for most big things, it’s only reasonable, and I often suggested that once I turned 21 I could live off my inheritance. But they always refuse and say that ‘It’s their duty’ and they didn’t want me to touch my money.

So why is Uncle now talking about ‘sharing’? He also explicitly told me not to mention this to any of our relatives and to claim that he got the new house with his money. The alarms are blaring louder.

Am I overreacting? Am I not? Should I just suck it up and accept that, sometimes, I gotta be the bad guy?

Sincerely,
Grateful But Worried College Girl

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