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Yes! Dave Ramsey! Take the class or read the book or both! You guys need to geton the same page ASAP! Before money come between you.
Money issues
I got married 6 months ago & since then my husband has used his credit card on random small purchases to the point of $3000. We have a tight budget but we each get $100 a week to buy whatever we like such as going out for dinner, new clothes, whatever. I feel he should be using that instead of the credit card. I'm so disappointed in him. He owes his parents like $20k from them helping him out over the years & both his parents and I have cleared his credit card for him in the past. He has to give them $250 of every pay check until it's paid off. It will take about 4 years. I also paid off his car for him so we could afford to buy a house as he couldn't afford both loans.
He PROMISED me before we got married he wouldn't do this anymore. He's now having to pay interest on the card which has a $10k limit. I want to ask him to cut up the cards or cancel his account. Or to get a $1000 card for emergencies maybe. I handle all the finances, the bill paying, budgets etc. I don't want to sound like a nag it be unreasonable but his spending is just ridiculous. He's so irresponsible with money & can't be trusted.
What do I do? I don't want to be controlling and tell him what he can and can't do but we're married now and I am just so angry at him.
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When I was younger, my parents paid off my credit card debt for me twice. This is WHY I don't have a credit card now, I only use debit because I don't trust myself with a credit card. It sounds like he has the same issues as me and I think he shouldn't have a credit card at all. He's clearly irresponsible with money and shouldn't be trusted with a credit card. But also, in my opinion, he thinks either you or your in laws will come to his rescue again.
Sa
That's how I feel too. I'm not going to though. He did cut up the cards once before. He got this new credit card because it gave him flier miles that was basically a free flight. But now he's abused it & I feel stupid and hurt.
Thanks guys, using credit has always been his issue. He isn't malicious but just really stupid and irresponsible with money. I think I've been extremely fair in our budget giving him $100 a week to spend in anything he wants. We are not poor by any means but we are able to save so much and go on nice holidays, have a nice house because of the agreement and the budget. $3000 is a trip away or months off our mirtgage. But we've had this talk over and over and he still is screwing up. I need to get him to agree to cut up the card until he is able to pay off and close the account. I don't want to treat him like a child how can I make him see (when I haven't been able to before) that this is serious shit!?
Honestly? Sounds like you married a man with traits you find irresponsible and don't respect, but that likely other parts of the relationship are wonderful. You hoped a life time pattern would change with promise. It didn't. I would take this one to s counselor to work through with professional help in a constructive and healthy way.Wishing you all the best.
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