boyfriendI am (sadly) not married to my long time boyfriend, but after 12 years together it really doesn’t make a difference for our joint finances.  Or maybe that is just something that I tell myself to make myself feel better about planning my life and sharing my money with a man who cannot (or does not) want to committ to me. I would really like to have a ring on my finger not necessarily with a wedding to follow, but just as a sign of commitment.

Whenever I talk to my boyfriend about planning our future life together his answer is always the same:

“You know that I love you and we already share money, an apartment, and (formerly) a car so what more do you need?”

I am not sure if I absolutely want to be married, but I do know that I want our relationship to progress and move forward. After 12 years I am tired (and bored) or living the same life.  Our relationship is such a routine; we have the same monthly bills and expenses and we live on a fixed monthly budget.  There is definitely no spice in our financial lives. We aren’t saving for a wedding and we aren’t saving for a honeymoon or a trip of any kind for that matter because my boyfriend doesn’t share my passion for travelling.

I need to have something new to look forward to; I need to have some kind of change in our financial relationship. Maybe this is how a long term relationship is supposed to be, but I have to be honest, I don’t really like it. I am not a huge fan of too much change and I do like the comfort of a routine, but I also get bored very easily.

I am currently at a crossroads in my relationship.  I am 31 years old and I have been in a relationship with my boyfriend for 12 years.  He doesn’t want to get married and he doesn’t want to travel or to change cities.  I, on the other hand want to live in New York City, and I love to travel.  UP to now I have been travelling with family or friends, but I would love to travel with him. I am not sure if I should stay with him or if I should move on to pursue my own personal dreams alone.  I don’t really want to be by myself but at this point I kind of feel that my relationship is holding me back both personally and financially.

I think that I would like to get married someday and if I stay with my boyfriend that is not an option.  I am wondering if I should give him an ultimatum.  I have never been the type of girlfriend to make him chose between me and something else, and I don’t want to pressure him into doing something that he does not want to do. But I feel that if he really loved me he would make the change…for me.

For the past few months I have been making a pro and con list of the reasons why I should stay in my current relationship as well as a list of reasons why I should leave.  After many hours of contemplation this is what I have come up with:

Reasons to Stay

  • I Love Him
  • We Have Been Together a Long Time
  • I Love Him

Reasons to Leave

  • I want to live in a different city
  • I love to travel and I want to do it with my boyfriend
  • I will never be married

Have you been in a relationship like this before?

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Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.


This entry was posted in Marriage by Kristina Tahnyak. Bookmark the permalink.

Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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