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Anonymous55879
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Default Mar 24, 2019 at 07:52 AM
 
Quote:
Originally Posted by BlueMerleGirl View Post
Here’s why I’m frustrated. I make all the money. Especially with the new debt, it’s just not enough to live the lifestyle we want. It is enough to cover basic living expenses (we are in a relatively high cost of living area). So we are lucky there. He spends boatloads if money on Diet Pepsi, energy drinks, and cigars. Seems like not a big deal but it adds up and we can’t afford it. It never used to bother me that I was the breadwinner, but I have become annoyed since his business has cost us so much money. And he does NOT do much to help us save any. It is like pulling teeth to get him to cook, so I have to do all of it or we end up eating out a lot which we can’t afford. He doesn’t do laundry, and it’s so much effort just to get him to do basic household chores that it’s almost easier if I just do it! He’s gotten better but it’s still pretty awful. I am so frustrated that I have to make all the income, spend more than we can afford on cigars, and do 80 percent of the work maintaining the house and cooking. He just does not get it. It is even worse now because his business takes his energy so he can’t do fun things I want, and he has less energy to help with the house. Somehow I manage to work all day and still do things for the household but he is absolutely incapable or unwilling to do that. I love him, and I don’t want to get angry over petty things, but I just don’t understand how this is OK. We fight about finances a lot and we do make improvements but it just seems to go back to normal after a while. I am fine if he stays home, but he needs to watch the kid, do at least 50 percent of the cooking and housework if not more, and stop wasting money to make our budget work. He has stayed home before and it just did not work out and I’m afraid that’ll happen again. I feel like I’ve just leaned to live with this stuff that makes me unhappy and I don’t know what to do.

Why are things like this, what can I do to make it better?
You can't stop him from obtaining his own credit card and racking up debt. Whether you can afford it or not, pay yourself first and his credit cards last (or not at all if you can't afford it). Make sure you do not have any joint credit cards with him. Pay yourself by putting as much money as you can into an IRA or 401K--here is why: If your H ever has to file for bankruptcy then, usually, your IRA and 401K will not be involved. If you have no debts in your name but he does, if he eventually reaches his limit, he will have to stop or declare bankruptcy. It IS possible when you are married for just one person to file for bankruptcy. Unfortunately, I know this because when I racked up well over $300,000 in hospital debt, I was able to file for bankruptcy without involving my spouse so his credit was not damaged enabling us to get insurance rates, etc at reasonable rate (bad credit can make insurance and many other things more expensive). If you can't or don't want to leave him then have a bank account and retirement savings in your name only. Feel like you CAN decide how the money you earn is spent!
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MickeyCheeky
 
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MickeyCheeky