My girlfriend (23F) and myself (26M) have been together for a little over a year now. Ever since we’ve been together she’s been very bad with money & quits her job every couple months leaving herself unemployed for a couple weeks until she finds a new one. Going back about 10 months ago, she was about to be evicted from her apartment for failing to pay her rent, so I let her and her 2 year old kid move in with me at a house that I rent. Shortly after that, she got her car repossessed. Again, I helped her out by buying a 2nd vehicle for her with the promise that she would pay the payments and insurance until it’s paid off, then I would “gift” the car into her name basically. Ever since, I’m always loaning her money to get by, and I still pay for all of the bills and most of the groceries (even though I stay in a hotel 4 days per week for work). Which none of that really mattered to me at first, because I do make decent money at my job and honestly just figured she was just going through a rough patch in life and I offered my help.
She never seems to have any money or contribute anything even to this day, but still manages to go out with her friends to bars and party almost every weekend. I have had multiple talks with her about her needing to get herself financially stable and stop going out every weekend, and every time she promises me she will change and get her life straight. She changes for a bit, skips a couple weekends of drinking, but then falls back into this rut of immaturity and irresponsibility over and over again. I almost left her multiple times, but every time she refuses to leave, and doesn’t even attempt to find a new place to live because she is on the lease and says I “can’t legally kick her out” so I just stay with her with hopes that it gets better.
She hasn’t paid her car payment or insurance in over 3 months now and is still asking to borrow money often. She currently owes me around $2,000 even though she does have a job and receives child support for her kid, and her only bills are her phone and the vehicle I got for her. When I mention it to her while she’s buying things online or going out to the bars on the weekend she just completely dismisses it and says stuff like “I’m not broke, I still have money to my name” which just seems insane to me considering how much she owes me.
At this point I just feel very stuck, stressed, and not sure which way to go. Am I just being greedy for wanting my money back? Should I just keep sticking it out with hopes that she gets her life together someday? Or should I try to get of this mess somehow…
TLDR; I’ve been with my girlfriend (23F) for a year, and she’s been financially irresponsible the whole time—quitting jobs, getting evicted, losing her car, and now living with me while contributing very little. I cover rent, bills, groceries, and even helped buy her a car she hasn’t paid for in months. Despite owing me ~$2,000, she still goes out drinking and dismisses my concerns. I am unsure if I should keep supporting her or end the relationship.