we could have been working together to pay it down

That's the other thing that annoys me- because we're not married he treats it like "That's your money and your debt. This is my money and my debt." After 3 goddamn years of living together one would think pooling resources to get us in a better place financially would make sense. We'd also be saving over $400/year if we had a joint cell phone plan, because we're with the same carrier anyway, but his stubborn ass doesn't want a joint plan, because my phone is mine and his phone is his <rolls eyes>. It drives me crazy, because he's ridiculously smart, like MENSA level smart, but he can be such an idiot when it comes to certain things.

I want to take over handling all our finances. He's watched me make monthly budgets for myself and been like "I don't know how you can do that. It's so hard." No it's fucking not- it's simple to say "Bill Y for amount $Z is due on X-date. Bill C is for amount $B is due on A-date." and so on, then take those amounts out of your income, so you don't default to putting everything on credit (him) or end up broke a week into the month (which would be me, because I have a fixed income). He also neglected to pay our last water bill for our previous apartment, which I didn't know about until we got sent to collections 4 months later. After hounding him it finally got paid last month- 7 months after it was originally due.

In a way I feel lucky that he's not my son's bio-dad, because if he was I'd probably be a hell of a lot more pissed off about how irresponsible he can be. I already have enough frustration towards my son's father (haven't heard from him in nearly 5 years), so it doesn't help me at all to be pissed at my partner even if it's for valid reasons.

I'm hoping we can work this out, because he's my best friend and I love him, but I'm sick of feeling like the only adult in our home.