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He's paying off their debt, she's adding to it

Posted Jul 27 2008, 03:43 PM by Karen Datko
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The headline on JW's post at We Need To Be Debt Free says it all: "What's the use?" He's been working hard to aggressively pay off about $41,000 in non-mortgage debt, and then his wife revealed at a marriage-counseling session that she's been hiding -- and using -- two credit cards.

"When she mentioned it, I felt completely broadsided. It was like being run over by a truck," he wrote. The damage to his debt-reduction plans? Just over $4,300.

Goodness knows they aren't the first couple to deal with this problem. What makes JW's posts on this subject and so many others so compelling is the detail he shares about his debt-reduction plan and how the sacrifices it requires has affected family life. For instance, his teenage kids have been unhappy and threatened to move out.

Of course, we kept reading JW's blog to see how the latest family crisis was resolved. After his initial anger, JW and his wife sat down and talked things out. She used the cards to help her disabled sister and also spent money during a trip to visit one of their sons, who was recently diagnosed with post-traumatic stress disorder after his last tour of duty.

JW added that "it appears that I haven't been as open or attentive to her needs as I probably should have been, which make me partially the blame for what occurred."

Here's the offshoot:

Comments

 

Wow, my experience is not unique? Hang in there brother.

i go to thrift shops, yard sales and the like to find salt and pepper shakers, oil lamps,and teapots i have found them at a small price and later to find out that they are worth much more. i got a oil lamp at a yard sale for a dollar only to find out it was worth two hundred dollars .so it does pay to shop second hand.

I know someone who went shopping after her husband forbid her from spending any money that month.  She kept the loot in the car trunk and took it out an item at a time so he would not notice.  She got caught.  He returned everything.  Sometimes they do need to be treated like children.

gee....sad thought my mother was the only one....but guess she isn't, doesn't make her right only shows me how weak and sneaky alot of women are....all because they are missing something in there lives.

I can relate to this.  I am married to a spoiled woman.  She is not satisfied with the almost $900 a month SSI income.  She gets this high priced credit cards from those with poor credit and overlimits them, pays late, etc. Then its all my fault, I don't give money.  She forgets the thousands she begged from me during the past month.  I am trying to build up enough in my IRA's for her life after my death as her family has longer life spans than mine.  I am ready to give up and let her suffer as I am just tired of worrying about money.  She lies to counselers about her spending.  She has nothing to show for the hundred of thousands of dollars whe has wasted during 40 years of marriage.

I know a lot of you are saying women are the bad spenders but men can be just as bad.

My husband has sneaky ways of racking up debt. I would let him use the credit card for one thing and one thing only, such as gas. He decides to add about $14.00 for a meal for himself. His excuse is that he was "hungry". Gee, why did you not eat the sandwhich I made you or get something cheap from fast food?!!

He use to have a BP gas card. He ran that thing over the limit fast. My favorite was when he took out a $20.00 cash advance to buy some food. He could have driven a few miles up to a BP station and got something from the convenience store if he was so hungry.

Oh, and he thinks that anything a store offers on no interest for one year we can afford. He doesn't understand that to pay it off before one year will take large monthly payments. Even $50.00 a month can put a damper in our expenses.

Been there, done all of that and more.  It finally came to the point where I realized that my need for some financial security would have to met or we would end up divorced.  I told her straight out eithe r we come up with a budget we can both live with or call it quits.  We worked out a budget and she still got about three times the spending money she really needs and we are able to pay down debt.  Since that agreement two years ago she has opened a savings account and started saving as well.  We both want to move to Alaska and that was what brought her to her senses.  I am very good with money but still have some areas that could use improvement.  

One of my favorite passtimes happens to be hiding new items from my boyfriend.  He is a saver while I happen to be a conniseuer of designer fashion.  

He's learned to  recognize pricier department store bags and brand names/labels now, so I get rid of all those before bringing anything new into the house.  If I do get caught- They were all on sale, I promise!

I have zero debt, the problem is- I don't save what I should be saving.  We both make a decent living and are independently financially stable.  I don't see why he would have the right to be upset over the way I spend because it happens to be different from his!

I always get in trouble with my husband for shopping for clothes for our children- back to school, Christmas, birthdays-  no matter how much it costs-  there is a battle about it.  I do a lot of price comparasin, and shop the sales to get the best value.  We don't wear designer labels, and only get what we need, and can afford.   My husband has more clothes, and shoes than all of the rest of us put together (and we have five children).  He lost a new $300 phone- left it in a limo- and bought a new one the very next day even more expensive than the first one.  My husband has unopened/unworn clothing in his drawers and closet.  He goes out to eat every day and I bring a lunch.  When he travels for work he eats expensive meals, and takes expensive tours of all of the beautiful cities in the world, and then gets upset if I take the kids out for fast food while he's gone.  My husband is always is complaining that I spend too much money- to absolutely everyone-  and he's the spoiled one in the family.      

I am a spender,and my husband is a tightwad.  We've had major problems...not based on money, but I will be the first to admit that when I'm depressed, I spend. (I always feel guilty afterwards, but I still spend.

It is very easy to deal with a neglectful, lazy husband by self medicating with shopping.  I always justified it with, "It's something our family needs"  (DVDs, tableclothes, bedding, etc) "We'll use it eventually", (soap, laundry detergent, toilet paper, etc.) and "It'll save us money in the end",  (coolers, bulk items).  But the guilt was still there.  I was able to hide my myriad of credit cards by having the bills mailed to my work address.  I wasn't a total fool, though..I made sure the limits were kept at the lowest possible so I could pay it off in a week if I needed to.  And I used my paycheck money to pay them off.

We separated, then got back together.  I admitted to him the amount of credit cards I had...he was floored, but agreed that his neglect of our family, his selfishness regarding his own paycheck (he didn't contribute the entire check, only 3/4s..he kept the rest for his spending money, ranging from $500 average to $1000 a month if he got overtime..but ALL of my money, including child support AND my extra job money went into the bank).  He agreed to put all his money in the bank, and take it out as he needed it, and I put all my credit cards on the table, we both grabbed a pair of scissors, and cut them all up.  Now, if we can't pay cash, we don't get it.  

I still have a few months to go until we're debt free (except for tuition, car and house), but the light is at the end of the tunnel!!

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