The other option is you could get into a room-mate situation. Sure, you're 30 - but you can still have a room mate. Sounds like you are describing moving in due to costs and not because you really really really (etc.) want to be living with him. You can contain your own costs by doing a roommate situation even without his participation.

Lots of web sites and services offering roommate services. www.roommate.com is one. I took a job in '91 down in the D.C. area where I was a roommate (being 25 yo myself) with a 62 yo lady who drove a corvette and an older guy (maybe 70) who just kept to himself. If I had a girlfriend in the area, it would have been something where I would go and visit. However, my girlfriend (eventual wife) was living 90 miles away and I drove home on weekends.

So, big question is - "I need a roommate to save costs" - but does it have to be him? And, if you are both limited in income - you will probably end up being limited in income and budget once you're together too. So, is it really the right thing? Also, what if he decides to find another girlfriend - would you be then able to move out on your own again? In that case, if you do stay together for any reason other than love (ie. finances) are you willing to live with those results?

You need to look at "what do I really want" and follow your gut (or heart - or whichever organ you prefer). In reading your post - it sounds like you're trying to come up with excuses to move in together. Not always a good thing to do. But, if you can say "I really need to be with him" and state that clearly to your family - then maybe work something out where either you ask him to marry you, or you hint to him that you want to have a family with him and that moving in with him isn't a temporary thing you want to toy with due to saving money.