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As a father of a couple of 20-somethings, I really do not understand parents who are trying to keep their kids from having sex. Unwanted pregnancy is another thing, of course, so be prepared properly.
Side note, when I was 36 my girl friend moved in with me. We had a town house with 2 bedrooms upstairs. My mother came to visit at some point, and we offered her the second bedroom, right next to ours. She preferred to sleep on the sofa bed in the living room. She just could not stand to be so close to our den of fornication.
Anyway, it sounds like you two need to try to make a life together, and the main problem is money, along with your poor driving record. Those 2 things are the real key.
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