I see your problem, and he does have a problem. The problem is, you're both young, and young guys don't know much about managing money. Sit him down, and together, work out a simple budget. Write down each of the usual bills that have to be paid every month, regardless. Decide how much you can jointly afford to salt away in an emergency saving account. Oh, BTW, a joint account for an unmarried couple is a bad idea. One break-up, and the first one to the bank wins the lottery, and there's not mcuh you can do about it! So scrap the idea of a joint emergency fund.
But DO agree on who is going to pay what, and when. Write it out!
Then, on the 30th of each month, sit down together and prepare the checks for rent, utilities, etc. Make it a joint responsibility to check to see that the other has remembered to turn in the checks. Leave nothing to " I thought he was. . ."
Money-management for unmarried coules is especially difficult because ther is still this "my money- his money" issue. That can be cured by a simple wedding.
Most communities have a "credit counseling" non-profit where you cn get advice that will keep you out of the "bad credit" situation. Use it.

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