Problem/Goal: How do you split expenses? I own the house and hindi namin alam kung ano ang magandang arrangement.
Context: Hello! Me (30F) and my partner (same age) are planning to get married within the next 2 years. I recently just finished paying for a house. I left my teaching job (that I loved so much), because it didnt pay well. I really wanted to have the funds to travel and buy my own house (our family has one, but i envisioned living in a house by myself or with my partner if i ever get married).
Even though I really loved teaching, I switched careers to build the life I wanted outside of work (own my own home & international travels). I spent most of my 20s living frugally to save up for a home and limited international travels to once or twice a year at most, at usually budget travels ito. I didnt book hotels at lagi lang ako nakaabang sa seatsale. I was very intentional with my budget and hindi ako bumibili ng mga mamahaling bag/sapatos. Damit ko ay 80% ukay at bumibili lang ako ng 1-2 sapatos kada taon (usually di lalagpas sa 3k). With all of that, I had fully bought a small house in QC (kakafully paid ko lang this week huhu di ko alam kung pano ko nabayaran yon lahat mag-isa)
Yung partner ko merong 2 properties na he paid for during his 20s, pero kahati niya yung isa niyang kapatid sa pagbabayad. Isang paupahan, at yung isa is yung family home nila ngayon.
I understand na my partner wasnt able to buy a house ng sarili niya kasi he was with his family back then at wala silang bahay non. ginusto nila as a family na bumili ng sariling bahay kaysa mangupahan (which is a good thing to do!!) for context, yung paupahan at family home nila ay 1-2 years na nilang hinuhulugan when we met. matatapos na rin siya this year.
Okay sakin na yung bahay na binayaran ko on my own ang titirhan namin. Yun naman talaga yung intention ko nung binili ko yon (either for myself if wala ako mameet, or for my partner and me). Ngayon, iniisip ko kung paano namin hahatiin yung living expenses or yung ownership ng bahay once ikasal na kami.
Almost same lang naman sahod namin(?) he earns 10k more than me
Possible Attempts: Babayaran niya ba sakin yung kalahati unti-unti tapos after non ilalagay ko na rin siya sa titulo? O if ever na may future renovations or ipapagawa na lang kami sa bahay 100% shoulder niya?
O ikeep ko ba na sakin lang nakapangalan yung bahay? Hindi ko alam kung ano yung good idea. Magwowork ba yung 70/30 yung hati, 70% sa partner tas 30% sakin?
Very understanding, mabait, at supportive yung partner ko. sure ako na hindi namin to pagaawayan. Nung nagsuggest ako ng prenup, sabi niya sure, kung ano raw gusto ko susuportahan niya ko. Gusto ko lang ng ideas bago kami magsitdown at pagusapan kung paano ang setup namin pag ikinasal na.
Di ko pa to inoopen sa kaniya, pero feeling ko kasi ang weird kapag sakin lang nakapangalan yung bahay. I want my partner to feel na bahay niya rin yon. So I dont know whats the best way. Feel ko sasabihin niya he feels at home basta andon ako (nasabi niya to before sakin in a diff context), pero i want him to feel na sakaniya rin yung bahay and we are building a life together.