Roommates/ Paying rent
My roommate and I moved in together on June 15, 2008. She has a very low credit score, because she has no credit card and her car was financed through a buy here pay here place, and they don't report payments to the credit bureaus. Because of this, only I was allowed to sign the lease with the real estate agent. However, my roommate and I went to sign our own private lease, which states everything that the lease with the real estate agent states, including that she must pay half the rent and half of the utilities by a certain date. We got a signed legal witness, and also gave copies to the real estate agent.
First months rent was due by July 13th, so that it would be in by the 15th. It is now the 27th and she still has not paid the full amount. She only had 1/3 of it on the 13th. We both make the same amount of money, and I have twice as many bills as she does but I'm doing fine with paying so I don't understand why she isn't. Every week she is supposed to pay the rest, but she gives me less and less. I told her this week that in 3 more weeks the next months rent is due, and if she doesn't have it she will be charged the late fees. I also told her that I need the rest of this months rent because I had to pay for her half, which means that I don't have my own hard earned money to pay for my own bills since it went to hers. She doesn't seem to care though.
My roommate just doesn't understand that when she doesn't pay, that means I will have to, she doesn't see the consequences. I would just pay my half and let her see the consequences or get evicted but it would go against my credit score if we are late. How can I make her see the consequences that will happen, and explain better that she needs to pay rent without having it turn into an arguement?