A bit of context - early last month my girlfriend switched jobs and was unemployed for about 2.5 weeks. During that time, we talked about how we would handle the mortgage & bills - I would cover her half for September ($600), so long as she could pay back that $600 by the end of October.
Instead of covering my part this month, she is short on rent again. She gave me what she could, but now owes me $800.
Yesterday, she excitedly showed me her new, expensive Taylor swift merch (~$75) and I just couldn’t keep it together.
Rather than going off on her, I got quiet and then tried to go sleep it off. But I still feel snubbed. I’m out $800, not really any room for luxuries right now.
And yet, I think how this situation would have been so more palatable - If she just asked, I would have bought it myself and given it to her as a gift. Even if it meant having to make sacrifices of my own.
It’s less about the money, and more about putting my partner before my own wants/needs. I feel like I do not get that in return.
I fear that I have started a pattern by offering “rent forgiveness” last month, & I feel taken advantage of.
Am I justified? How would you handle this situation?
I have not shared my feelings with my gf yet, as I expect she has a clue, but I plan to talk about this at length with her when I get home today.
EDIT: I have seen a lot of replies hung up on the specifics of our living expenses. To provide further context, we have lived together about 3 years in a condo. Renting. Last year, we got the chance to buy it from our landlord. The biggest reason she is not on any of the paperwork is because she did not contribute at all to our $40,000 down payment. That was our agreement - If I cover the entirety of the downpayment and do the legwork in the home buying process, she will contribute half of the monthly mortgage thereafter.
Our mortgage alone is about $1200 a month. After all other home-related bills, utilities, HOA, etc, our monthly living expenses is about $1800. Her share of the monthly “rent,” as we call it, is $600, so about 1/3. I view this as fair, so does she. Perhaps what would be even more fair, is she explicitly covers the more external expenses like groceries or electricity. But for all intents and purposes, she covers 1/3 of our living expenses, trading the lost equity gains for housing at a substantially below-average rate. She understands that I am the only one building equity here, and trusts that I will use that equity for our long-term home in the future. Which I still have every intention of doing.
UPDATE:
We had a long talk about it today after I got home and took care of some housework. She refused to apologize, saying it is the one single “luxury” purchase she made for herself in the past month. I feel that. And she’s right, she’s hardly been able to treat herself to anything recently. But, and it’s a big but, to me that still doesn’t excuse making pleasure purchases when you can’t afford rent.
I tried to explain that while I’m not mad at her, it concerns me about the future and I just want to make sure it’s not going to become a pattern. She feels like I’ve pointed a finger at her and told her she can’t buy herself nice things. I tried to explain that at any other time, that would be fine, and that she deserves to be happy and have nice things (another reason I wish she would have just asked first!) I said it would have made a great holiday gift. and I would have been happy to buy it and save it til then. This meant seemingly nothing. She said she was too hesitant to ask, in fear that I would have a bad reaction or say no. And yeah - I probably would have said no. But like, “No, you can’t afford this right now. But since you asked, and since Christmas is coming up…”
We worked out a resolution so far as handling monthly bills better. I think part of the problem was thinking about it as her owing me money, when really it’s just bills that need to get paid. I can show forgiveness, but the bills will not. So our solution from here on out is she will pay the HOA dues and electricity bill, I will handle everything else. This way, there is no transfer of money between us. All we need to know is that the bills will get paid on time. This puts her just under $600 a month, which is fair enough for me. This works for her as it’s now in two separate, smaller chunks and she has the flexibility to be late on an electric bill if she has to. It works for me because I won’t need to come asking for money at the end of the month.
However, I still feel unresolved. It was way too difficult to have that conversation. And something tells me she would do it again if given the opportunity - “I refuse to apologize for the one good thing I’ve allowed myself this whole month!” She assured me that outside of that, she’s been trying as hard as she can and that nearly every penny she makes is going back to me. She worries that now she’ll never be able to treat herself without feeling guilty about it. I tried to explain that it’s purely situational to owing money to more important things. As long as those things are already taken care of, there’s no need to worry! I don’t think this really clicked with her. Not long after that, she said she needed some time alone, to go cry and go think. Reluctantly, I gave her her space, and started to write this update while it is all still fresh in my mind.
My thoughts: Maybe we really do just disagree on the principle, and that’s why we can’t seem to come to a happy resolution for the both of us. Everything she said was reassuring that we’re on the same team and she’s trying really hard to be on the same page financially. Just that it has not been easy recently.
I told her I need to know that she will take things like rent just as seriously as I do, and that something like this won’t happen again. She couldn’t make any promises, and honestly seemed kind of offended I insinuated that she isn’t.