Hey! Just looking for some advice so any thoughts would be really appreciated
I live with my partner in a flat he owns outright with no mortgage. In terms of how I contribute, I pay for all food, I pay for holidays, I pay him around £200/month for utilities, plus half of the building’s service charge (£150 a month), and I make a point of picking up the bill for things like dinners or coffees more than him, but my issue is recently he has said that I should be paying for the full service charge moving forward.
He thinks this is fair because I used to spend way more on living costs when I was renting, however something about this arrangement isn’t sitting right with me and I’m not sure if I’m being unreasonable or not.
The reason he cannot afford to pay his half now is because for the last few years he's been on universal credit while he’s waiting for an investor to kick start his business, and in the meantime all his savings and any cash he has goes into crypto and NFTs, so he doesn't actually have any real-world money but he does have considerable assets, whereas I have a regular wage but zero assets.
I personally don't mind if that's how he wants to spend his life even though that’s not how I would choose to live, however now that he expects me to pay more bills than he does I don’t think it’s fair I pay for his unorthodox lifestyle choice. While my money would be going out the door every month for bills, his money is all going into growing more assets for himself which obviously I wouldn’t get any benefit from.
It also feels like an uncomfortable power dynamic, because for example if I lost my job, I would go and do bar work until I had a better paying job again so as not to impact him financially, and also if I wasn’t with him because I don't own any property I wouldn't have the option of being able to live on as little income as he does as I'd need to find the money for rent.
To add to this, I actually don’t mind chipping in extra to help support him for longer, if he understands that once he’s got a similar income to myself I would expect to half bills again. It’s just that he seems to feel like because I’m saving money vs renting then I should just be grateful I guess?
For some context about me, I earn around £50k before tax, and around a quarter of my pay goes on care for my grandma. This also sounds very ungrateful, but I also wouldn’t have chosen to have lived in this area of london if I was renting, and most of the space contains his things so I don’t feel the space is shared 50/50 either - perhaps more like 70/30.
Please tell me if you think I’m being an asshole - I definitely don’t think I should be living for free and I am grateful to not be paying rent, it’s just that if the tables were turned I wouldn’t expect my life partner to be contributing more than me in bills.
Edit: I also forgot to mention, he's also asking that I can backdate payments of this service charge for the whole time we've lived together (around 3 years). This comes to around £3000 which is money I physically don't have and would take me a while to save up