I applaud your efforts at getting a new plan together.
However, in your working on clearing this old debt, do consider taking some serious time & noodling to understand how and why you ended up in such a tight spot. My thoughts are you'll find yourself right back in the same place again if you don't understand and correct the root problems.
And to clear up any possible misunderstanding, I did not mean to imply that your boyfriend give you money to help you with your problems, but to give you some tips and advice on budgeting and how he's able to stay debt-free and how he got to that understanding of the financial world.
I think it might actually draw you two closer together. He may have some long-term financial goals and dreams that are really big-time fun for him that he's saving towards. I'd say it might be a case of you two opening up to each other would let you find out for sure if you might be long-term mates or not. Perhaps you can bring some 'fun-as-we-go-along' to the table that he hasn't considered before now. This might be the case of 2 + 2 = 10 in the romance department. Each of us has strengths and weaknesses that when put together w/anothers can make a super whole!
Why not give him the benefit of the doubt and try to be a bit more transparent and tell him how you're feeling? You may be pleasantly surprised.
Keep us posted.
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