The problem isn’t romance, it is you have messed up priorities.
You’re buying a house when you’re underemployed? She’s going to school, working AND trying to start a business?
That’s like roller skating, juggling, and riding a bike all at once then complaining when it doesn’t work.
First things first, you need to make cash. You guys overextended yourself. That means no more school, no more outside business startup, no more nothing till you find a job that can support your house.
This means FINDING A JOB is your first priority. Once you’re girlfriend finished the school term she drops out and finds a job full time 40 hours. You both work to save money to pay for this house.
Don’t like this, lose the house.
Romance, sweet talk, love ain’t going to help because you’re core problem is you don’t make enough money to meet your lifestyle.
It’s like having a disease and you’re fighting the symptoms without ever bothering to cure the cause of the disease.
I’m sure a lot of people will think, “But they shouldn’t have to give up their dreams and school is important…” Yes, those things are, but first things first.
So the only way to treat this is to either make more cash or lose the financial problems like sell the house and move into a cheap flat.
The fact that you list very serious problems and don’t realize this
Underemployed - HUGE problem
New house - HUGE problem
Girlfriend working, school AND new business - HUGE problem
In the absolute best of times, with you earning lots of money anyone of those three is going to be a major stress. And that is if EVERYTHING is going your way.
You don’t have this.
Ask yourself this, where are you gonna be if a disaster happens? What if one of you gets ill? What if your car gets hit and you have to get it repaired? Are you prepared with back up cash?
We have a major recession, this will pass, but until times pick up, you need to be simplifying not extending. None of your problems are insurmountable when taken piece by piece and not lumped into a big heap.
On the other hand in times of stress you find out who your friends are and who will stick by you. So good luck