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Is Being Single More Expensive?

Is It Harder to Make Ends Meet When You're Single?

When you're initially dating someone you may find that your spending habits change — going out more often means you're spending more than usual at restaurants and bars, and you're probably shopping more for date night wares. If all goes well and you eventually decide to make the co-habitation jump, you may find that life becomes a little less expensive. You probably don't go out as often as you did in the beginning of your relationship (especially if you were living with roommates) and most things get split down the middle — rent and bills are much more manageable when they're divided in half.

The Guardian recently published an article called "Who Can Afford to Stay Single Now," that touches upon the financial issues single guys and gals face and why, financially speaking, it can be tougher to come out in the black when you're going it alone. It mentions several examples of singles getting the short end of the financial stick — some hotels charge single supplements, insurance policies can give couples a financial advantage, and buying groceries for one can be difficult in terms of buying just the right amount as to not be wasteful.

Single gals, do you think making ends meet would be easier if you were part of a couple? Those of you sharing a home with your guy or have in the past, have you found that relationship status makes a difference financially? Has anyone ever known someone to move in with her guy because of money reasons?


Join The Conversation
jadenirvana jadenirvana 9 years
Right before I met my boyfriend, I got to the place in my career where I felt like I was truly self-supported/successful in my career. It is a truly amazing feeling. Many of my girlfriends were in the same boat of just coming in to their own career-wise, and we were finally really living it up. Now I have my guy who's incredibly successful and it is great to have someone to split the bills with, but even greater to know that's not what binds us.
Knight-Who-Says-Ni Knight-Who-Says-Ni 9 years
Oh my, of course it's harder to make ends meet living on your own. My boyfriend and I are shacked up in the Bay Area - there's no way we could live where we do on our salaries were we not living together. Well, it's probably not impossible, but it would definitely be much more difficult.
moxierain moxierain 9 years
I don't think its that difficult to make ends meet. You just gotta plan. Its not magic. Once you have a plan then its easy.
Glamourgasm Glamourgasm 9 years
i would hate to be with someone with bad credit and not having his ends meet... that would mean i would have to do everything..... so, no thanks. but as for tax breaks, etc..... mazal tov!
CrysDiaz06 CrysDiaz06 9 years
Great Topic! I think being single is expensive. Living with someone can get expensive too. I love living with my bf. I cook...he cleans. We go 1/2 on the rent and utilities. However, living in florida and how hot it is, my boyfriend and I loooovvveee the water. So we spend more gas driving to the beach and water parks. We just recently purchased 2yr passes for Sea World/Busch Gardens/Aquatica. If I were single, I wouldnt had done that without one of my friends joining in on it. The possibility of my friends having money for that is slim to none. HA! So like I say about everything else in life....LIFE IS A CATCH 22. I love splitting the bills and its not about depending on someone. Its about helping each other keep a roof over your head and food in your mouth. :)
bsglrok132 bsglrok132 9 years
Well, my husband isn't very good at saving money. I was actually better off by myself than I am now, financially. He has very expensive hobbies. But I know I'm in the minority and that most people don't have that problem.
pinkhearted pinkhearted 9 years
Even without living with a significant other, it helps to have someone in general. I know that I've been fed many a weekend because of my boyfriend, who always insists on paying. Although I try to keep it equal and pay when I can, he's always saying that he should pay since he has a full time job and I'm a student. Sometimes, he'll buy my groceries too. I hate it when he does, but it definitely helps me out when the money gets tight at the end of the month.
MsWalton MsWalton 9 years
I totally agree that the world is quite unkind to single people. However, I wouldn't trade it for the world. I despise having to depend on anyone for anything and I like being able to walk around my apartment naked w/out having to consider anyone's feelings. Has anybody ever wondered why single people don't get tax breaks? If for anything, just for NOT having children? LOL!!!
emalove emalove 9 years
I definitely think it's easier to make ends meet when you live with your significant other. I had a much tougher time before I was married and lived alone.
phatE phatE 9 years
YES YES YES!!! oh the irony.. there are alot of responsibilities that that people in general have, and when you have 2 people to split it, i think it's easier both financially, and just plain easier. You also have more stability than MOST single people because you have something to fall back on.. I totally agree with this!
ChicaCity ChicaCity 9 years
I think it's easier to make it when you're living with a significant other. Not only are bills and rent split, but you're also splitting dinners and nights out.
apeacefulife apeacefulife 9 years
Obviously a two income household means more financial resources. When my husband left I stayed in our townhouse and though it is now just my income, the rent and utilities are the same. It's impossible for me to make ends meet but I do it so my daughter can stay in her school. I wouldn't shack up for financial reasons though, that's trouble waiting to explode in your face.
bengalspice bengalspice 9 years
Part of the reason why I want to live with my boyfriend is the expense of living on my own. My roommate and I don't really share meals, so it's difficult to go grocery shopping for one person, and I end up spending so much time at his place for dinner or whatnot that food goes to waste. Just this past weekend I had to dump 3 cartons of juice that expired ... 2 months ago! I also end up buying more cloths because I leave both work and leisure stuff at his place, stuff at my place, and stuff at my parents place since I spend weekends with them too. It adds up to a lot of stuff.
shanimalcracker shanimalcracker 9 years
I think it definitely helps to have someone who shares costs with you, even if it's with regards to something as simple as food.
MindayH MindayH 9 years
There is a definite financial break to being with someone, but I would rather be single and broke than depend on someone else!
looseseal looseseal 9 years
The thing that makes the biggest difference is the rent. I don't find it too hard to cook for one and still make sure no food is wasted. As I learned from married friends, whether you get a good tax break from being married depends on whether one partner earns significantly more than the other. If the couple's income is about equal, then they'd get screwed over come tax time, too. I think it's all kinds of fucked up that taxes seem to not-so-subtly want to reward a lifestyle where the man brings home the bacon while wifey stays home barefoot and pregnant with many, many little tax-break makers (er, I mean "children") running around underfoot. Not just taxes, but other things like higher prices for singles through having all those "two for one" deals or "kids eat/enter/etc free" deals and whatnot. It's a conspiracy, I tell you! Keep making more people to make sure there'll always be plenty of consumers and workers at the lowest level in the pyramid scheme of life. Hey, but to mangle that Mastercard ad: Rent for a crappy tiny studio suite: $500 Groceries and utilities: getting too damn expensive Not having to put up with someone else's crap in a home of my very own? Priceless.
lizs lizs 9 years
Having some joint finances has allowed me to have some lifestyle inflation without worrying too much about it(though I bring home almost twice what he does right now). We go 50/50 on pretty much everything, so that means our new lamp, $50, only seems like $25 to me. I don't spend any more now that he's around, but I spend a lot more time thinking about money because he doesn't earn enough and that sort of limits my choices right now....
bigestivediscuit bigestivediscuit 9 years
My boyfriend and I both live in shared housing but very different parts of London (his rent is higher than mine) but I do think that we save money just by doing simple things like eating/cooking together, or splitting things I normally couldn't afford. Plus, he always (though I protest) picks up my drinks whenever we go out, so that's a bonus too - hehe! :)
bellaressa bellaressa 9 years
I live on my own, I gave up roommates about 5 years ago. I stopped taking anything from my mom at 15 (I had a pt job and I did odd jobs for people). Even though it's hard (I was almost homeless once), I prefer to live alone right now - it is a true peace of mind, not to mention it's good getting your spending habits and to know that I can survive on your own is a great feat.
SkinnyMarie SkinnyMarie 9 years
It would be hard for me to live on my own. I wouldn't have the luxuries that we have now because splitting the costs has been so helpful that I can afford little things here and there.
modriana modriana 9 years
The difference between single life in the city and married/cohabitating life in the city is night and day in terms of what it costs. I couldn't believe how much cheaper things got when I moved in with my guy. I went from barely making ends meet as a single young professional to having money to spare (and save!). Oh and try booking as a third (or single) person on a vacation package. Can't do it! The world is not kind to single folks.
aimeeb aimeeb 9 years
I think people who don't split costs with a s/o definitely have it harder. I pay everything on my own and although I have some other friends in my position they get help from their parents on their bills/rent. I guess this is why I'm not much of a fan of talking money with others, I'd find it hard to bite my tongue since I think some people have no idea what it's like to ever pay for things on their own. I would def be less stressed if I had my boyfriend here paying half my rent and my 'rents feeling the need to do so as well or pay my utilities. Although they're the type of parents who will do that, to them if you're an adult you need to take on all the responsibilities with that which means paying my own bills.
Lovely_1 Lovely_1 9 years
I totally believe this! If I was single, I know I would have a WAY tougher time living on my own. Right now, it's nice because we split everything (actally he pays a more for most of the things) and he always pays when we go for dinner or to the movies.
Shopaholichunny Shopaholichunny 9 years
There is some truth to that. You get more tax breaks when you're married w/ kids etc. I like having my boyfriend because he always pays whenever we go out to the movies/restaurant and he loves buying me things that he knows I will LOVE so in the end I save some money and I get what I want in the process. But, we take turns so it evens out. :D
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