I also believe people should live on their own before living with a partner. I got enormous pride when I first managed my own budgets. Right up until I got into debt of course! But at least it taught me something about myself.
Honestly, I wouldn't risk it. Where money is tight it always ends up causing problems. Moving in together creates enough of its own.
But I agree with Skunks that you seem to be approaching this in the right way. Keep thinking & good luck with your decision.
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