yours mine ours accounts - Page 3 - Talk About Marriage
Financial Problems in Marriage When financial times are tough, it adds to the stress we deal with on a daily basis. This section is for talking about how financial problems affect our relationships and ways to cope.

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post #31 of 36 (permalink) Old 11-26-2016, 12:19 PM Thread Starter
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Re: yours mine ours accounts

Thats on me too..I wanted the bike as well. But no he had no cc before that so not great credit.

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post #32 of 36 (permalink) Old 11-26-2016, 01:37 PM
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Re: yours mine ours accounts

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Originally Posted by holsch View Post
Thats on me too..I wanted the bike as well. But no he had no cc before that so not great credit.


Of course, another option is to actually put aside money each month and when you have enough money, you buy the bike with cash. No bike note. No consigning. No missed payments.

But you both wanted it now.

At his age why did he not have any cc?
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post #33 of 36 (permalink) Old 11-26-2016, 02:10 PM Thread Starter
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Re: yours mine ours accounts

Never applied for one
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post #34 of 36 (permalink) Old 11-26-2016, 02:29 PM
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Re: yours mine ours accounts

I have some advice...

First, online banking. If you don't have it set up, set it up. Then, every day, log in and tally up or print off the frivolous spending for that day or the previous day. Each week make a total, each month make a total. At the same time, keep a ledger that shows the available balance on your bank account. Update it each and every day.

And here is the most important part: make sure your husband sees it. Do not say a word about how he is nickel and dimeing the two of you to death, just make sure he is aware of how much he spends on frivolous BS.

After doing this for just a few days, he will probably be more willing to come up with a plan. Just seeing it will likely make him anxious.

Be ready for arguments, and if after a couple months he still refuses to do anything to fix himself financially, create a step by step plan to become financially independent from him. Let him know your plan.

Try it.

"The ecologist is continually having to look at the aspects of nature with which he is unfamiliar and perforce must be an amateur for much of his working time.... professionals may carp at omissions, misconstructions, or even downright errors in these pages. perhaps ultimately they may forgive them for the sake of the overall vision that only the amateur, or the ecologist, blithely sets out to experience."G. Evelyn Hutchinson
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post #35 of 36 (permalink) Old 11-26-2016, 02:34 PM
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Re: yours mine ours accounts

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Originally Posted by blueinbr View Post
Of course, another option is to actually put aside money each month and when you have enough money, you buy the bike with cash. No bike note. No consigning. No missed payments.

But you both wanted it now.

At his age why did he not have any cc?
Eh, I'm 30 and I have never owned a credit card. My parents have never owned one either. Not that my parents were ever smart with their money. They just knew that if they got credit cards, they would ruin themselves...

"The ecologist is continually having to look at the aspects of nature with which he is unfamiliar and perforce must be an amateur for much of his working time.... professionals may carp at omissions, misconstructions, or even downright errors in these pages. perhaps ultimately they may forgive them for the sake of the overall vision that only the amateur, or the ecologist, blithely sets out to experience."G. Evelyn Hutchinson
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post #36 of 36 (permalink) Old 11-26-2016, 04:21 PM
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Re: yours mine ours accounts

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Originally Posted by As'laDain View Post
Eh, I'm 30 and I have never owned a credit card. My parents have never owned one either. Not that my parents were ever smart with their money. They just knew that if they got credit cards, they would ruin themselves...


How is your credit score?
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