<prompt> Human: Me and my boyfriend have been together nearing on 4 years now, we are currently living with his mum whilst we save for a house, we make pretty much around the same amount of money. So first of all, I have to state that we have had both very different upbringings regarding money in the sense that my parents have always been the position to help me out with money such as buying cars etc. My boyfriends parents were not in that position therefore hes had to get loansfinance on cars and has unfortunately had bad luck with cars in general. As far as Im aware and I say that because hes not entirely open about how much he owes he has three credit cards, all different APRs again, Im unsure how much that is and his car on finance. His outgoings almost outweigh his income and hes left with about 100 each month which goes on diesel. Im unsure how much he owes collectively because he hasnt told me. I however have no credit cards, owe no money and Im left with around 95 of my wage each month, which about 60 goes into my savings. The problem I have is 1. What can I do to help, would it help to get a consolidation loan where hed borrow the amount he owes over the three credit cards and then just pay that off into one place only, hopefully at a lower APR2. Im almost positive he only pays minimum each month, does that mean hes only literally paying the interest, therefore hardly touching what he actually owes? 3. Will this reflect badly when coming to get a mortgage - obviously his credit rating will be good but hell still owe that money. I know this seems pretty vague but thats because the details I have are vague and my knowledge when it comes to loans and credit cards are non existent because Ive never had them. If its helps, were both 25, in the UK. Assistant: The only thing you can really do for him is help him budget better. Find out where he is wasting his money. You said his vehicle used disel, so I assume its a big ass truck he really doesnt need. Hard truth time.Not only do you need a 20 percent down payment to buy a home, when they run your credit it wont matter if his credit is high. A very big thing lenders look at when you try to buy a home is your income vs debt ratio. His credit score might be 800, but they wont give you a loan if he has to spend every penny on his debts. Harder truth time.If he isnt honest with you about his debt, it is likely much worse than you think it is. If youre living with his mom saving money to buy a house or some other large purchase he should have a lot of extra income as you probably dont pay much in rent to live there, if any at all.Hardest truth time : If hes dishonest about his finances dont buy a house with him. Unless you alone can afford the house, wouldnt be much reason to buy one with him. He needs to clean up the way he spends money, pay down some of that debt. I really hate to be so negative, but as someone who is with someone with a really bad financial situation I can say all this stuff lol. If he cant put in extra effort to fix his finances dont make any big purchases with him. My soon to be wife, wouldnt soon be my wife if she wasnt honest about her finances, or trying to improve them.Good luck!Human: Im literally squeezing him for information right now and hes coming around. One thing thats grinding on me is he has a second car sat on the front garden that he cant sell because he cant find the key!?! Im going to turn that place upside down to find it. Thank you for your help  <response>: Actually, with proof of ownership and the VIN, the dealerships service department might be able to order a new key that fits the existing locks. If the car does not use a laser cut key, they might even have one in the service department, already cut. 