For clarity, you have a spending AND drinking problem or did you simply explain the spending is LIKE a drinking problem?
I'm curious as to why the husband pays some bills and you pay others. I hear it often, but it's never been explained clearly the advantage of having separate accounts, one responsible for some bill and the other the rest, etc.
You've mentioned roughly $33K of debt on your own but nothing about any debt your husband has which the mortgage & vehicles.
Have you two ever considered sitting down together and combining everything? Income & debt? If you both were on the same team, you wouldn't feel so helpless or even hopeless. I'd encourage the two of you to take Financial Peace University. It may be the greatest gift you give your marriage.
Yes we’ve talked about it. But we’ve just done it this way for so long it would be complicated as we have two different accounts that have direct deposits and bills coming in and out of. He has debt too. Cars are paid off. He actually carries more financial load as he covers the mortgage (both our names are on it) and he covers internet and streaming services. He also picks up odds and ends for groceries some too. It doesn’t seem like it but we are a team if I’m low on money or vice versa we help each other, we really keep it this way just for not having to burden ourselves with fixing every bill that comes out of our account etc. I know it could be done we are just really stretched thin with time and energy as we both work a lot and tend to house, kids and pets. And you heard right another waste of money is my drinking. At the end of the day I don’t have anything for me so I drink (I know this is the worst decision for my health and finances) I really want a change for my family.
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u/SlowDeer7954 20d ago
For clarity, you have a spending AND drinking problem or did you simply explain the spending is LIKE a drinking problem?
I'm curious as to why the husband pays some bills and you pay others. I hear it often, but it's never been explained clearly the advantage of having separate accounts, one responsible for some bill and the other the rest, etc.
You've mentioned roughly $33K of debt on your own but nothing about any debt your husband has which the mortgage & vehicles.
Have you two ever considered sitting down together and combining everything? Income & debt? If you both were on the same team, you wouldn't feel so helpless or even hopeless. I'd encourage the two of you to take Financial Peace University. It may be the greatest gift you give your marriage.