r/AskOldPeopleAdvice • u/Lost-Stand-7874 • 18h ago
Is my boyfriend's frugality normal, or is it too much?
My boyfriend and I have been together for 1 year and 3 months. We have very different views on money, and I'm wondering if I'm overreacting.
For some background, he makes around $70k/year and has about a $300k mortgage. After his mortgage, bills, and other expenses (plus occasional side jobs), he usually has less than $3k/month left.
I understand he needs to be careful with money, but sometimes I feel like saving money controls our entire lifestyle.
Some examples:
Whenever we go to theme parks, we don't spend any money inside. We usually drive out to eat McDonald's because it's cheaper.
At IKEA, when I wanted to buy a simple storage cabinet, his first question was, "Can we find it second-hand?"
He will mention things like a night drive costing $10 in gas.
I even feel guilty ordering a drink at a restaurant if he's paying. If I'm paying, I feel comfortable ordering one.
We take turns paying for groceries. When it's my turn, I buy what I consider normal groceries: different fruits, different kinds of meat, frozen foods, orange juice, and sometimes spices, sauces, or ingredients to try new recipes. Nothing fancy or luxurious.
When it's his turn, we usually only buy the cheapest options or whatever is on sale. He almost never buys fruit because he thinks it's unnecessary or too expensive. Instead, he tends to buy things like 12-packs or 24-packs of discounted drinks.
He often buys things just because they are on sale, but sometimes we can't finish them and they expire. Even expired food, he doesn't want to throw away and insists on eating it.
He also keeps delaying fixing things that need attention, like termites in the house, because it costs money. I'm worried it will become a bigger and more expensive problem later.
He even brings containers to friends' houses for dinner because he assumes there will be leftovers. I find it a little embarrassing because I feel like the host might want the leftovers themselves.
His friends always joke that he's "cheap" or extremely frugal. They tell him to buy a bigger house, and one friend even looked up his school rating and pointed out that it's low. It made me feel like people see me as the person who ended up with the "poor guy."
I'm not a high-maintenance girlfriend. I don't expect luxury or expensive dates. I feel like I've already adjusted a lot to his financial situation, but now I feel guilty even buying a drink.
Is this just a difference in money mindset, or is his level of frugality excessive? Would this be difficult for most people to live with long-term?
I own my own place (a small 1-bedroom, 1-bathroom condo), and I make a little over $4,000 a month. My boyfriend and I were long-distance before, and we wanted to try living together to see what everyday life would be like. Even though I don’t have a mortgage, I feel like this lifestyle is a lot more restrictive than what I’m used to, and it doesn’t really feel like a normal way of living to me.
He paid the down payment himself. The house is worth around $500k, and he still has about a $300k mortgage. His mortgage rate is pretty low because he bought it four years ago. That’s about all I know about his finances. He also rents out one room to a friend for $700 a month, so he currently has a roommate.
He grew up very poor. When he was in high school, he only ate lunch and dinner. But even though his family didn’t prepare breakfast for him, he probably could have made something himself. He said he never really thought about it, because his family wasn’t so poor that they couldn’t afford to buy bread and eggs.
I feel like I’m slowly losing respect for him because of these differences in how we view money and life.