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So much for the breakthrough!!

May 17th, 2007 at 06:33 pm

I wrote a few days ago that hubby sat me down, asked me about our bills and debts. I was happy. I thought he got it. Yay!

Today, all of this came down. He got a will kit a few days ago from his work. He couldn't pay for it then, so agreed with his boss that he would when he gets paid next week. He calls me today saying that his boss told him he had to pay for it before next Monday. He's broke (what else is new?) and wants to charge it on my credit card (balance is $5,100 right now and I keep telling him that it's WAY TOO HIGH and I want it GONE!!). I say "No!".

Then I thought: he has a credit card. The limit is only $1,000, but why isn't he using that?

Well, guess why he's not using it? Yes, it's maxed out!!

We've had a gazillion talks about credit cards. He's bad with money, he knows it, I know it. I hate the fact that he has a card because I know he can't manage it properly. He was so happy when he got approved for this one. This meant his credit score and report were almost back to normal. He told me it was his responsibility and he was going to prove to me that he could do it. yaddi... yaddi... yadda... I should have known better.

One of his argument was that it wasn't fair that I have a card and he doesn't. He can't picture himself without a card. I can't make him understand that "you don't have to have a credit card" and that "if you can't afford it, don't buy it".

I want him to give me both cards (mine and his). We're going to have a huge fight over this. I am not looking forward to it tonight.

This is so frustrating...

7 Responses to “So much for the breakthrough!!”

  1. Stein Says:

    This may sound harsh, but your balance is over five times what his is, so it sounds like you both have challenges.

  2. Lau Says:

    I totally agree Stein... In my defense, most of the charges on it are from him, not me.

  3. tinapbeana Says:

    how frustrating!!! hopefully this CC talk won't be all bad. maybe you could suggest that you both lock up all of your cards/cut them up? that way he won't bother asking for yours when his is gone!

  4. Amber Says:

    What about one of those pre-paid card, you know the ones you can't charge if there are no funds; maybe this will help

    Hope things works out for you and by the way I love your clock , I think I will add one to my blog

  5. Fern Says:

    First of all, "fairness" has nothing to do with credit cards. It's about earning the right to carry one through responsible spending and payment patterns.

    What exactly is a "will kit" and why would it cost $5,000??? Getting a will drawn up by an attorney costs a few hundred. I must be misinterpreting this.

  6. Lau Says:

    Amber - that is actually a great idea. I will look into that today.

    yes, Fern... the will kit does not cost $5,000 ($4,800 now actually). The credit card balance is at that. The kit itself costs about $20.

  7. Amber Says:

    good luck

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