My wife has a credit card...

SnooksNJ

Bedsit_Bob wrote: »

Why do you have to pay it off :huh:

It's not your debt.

I suggest a DMP, based around a few quid a month from the CB.

Contact one of the free debt charities.

Because that's what Husbands do.

gik

SnooksNJ wrote: »

Because that's what Husbands do.

...and wive's?

chattychappy

gik wrote: »

...and wive's?

Not wive's.

Wives, perhaps....

dealer_wins

4 options:

1: pay off her debt, and see the same thing probably happen again

2: let her default and deal with it, as it is her fault.

3: divorce her.

4: Help her find a job and earn her pin money!

[Deleted User]

SnooksNJ wrote: »

Because that's what Husbands do.

How many times?

heartbreak_star

Bedsit_Bob wrote: »

How many times?

None, if it were me.

OP, you should NOT have to take the fall for you wife's reckless spending. My OH pays nothing towards my debt and I would not allow him to.

HBS x

TBeckett100

You cannot expect your Mrs to live on child benefit

On a Saturday, we may go to Tesco. That's £20 at their i store Costa, £40 on shopping for the weekend. Filling up the car may be £60 so that's £120 spent a week on a Saturday morning.

My wife earns, not huge amounts. I prob earn a month what she earns in two years so I pay all the bills, any weekend expenditure, all the hokidays, any gifts she buys anyone for birthdays and Christmas and in return she spends her wages in the week day shopping and ad hoc children's clothes (I buy the more expensive stuff like shoes)

To this end we never argue about money. Sometimes I may put a few hundred in her account to keep her in the black, I fund her college course, fix the car and if she wants anything she just asks and she receives.

If she ran up £2500 on the credit card I would just pay it off as it's clear she is on limited means bringing up your children. We keep our financials separate and she doesn't complain because she knows I spend money for us and not myself

It's time to move into the modern way of life old chap.

mcpitman

Ok, so i'm going to add my 2p worth (and happy to take any abuse that comes after it).

Myself and wife have been married for 10 years now. Children for last 6 years. (now have 2 of the little blighters/cost centres).

My wife recieves the equivalent of Child Benefit put into the joint account by myself as part of the lump sum I move over to that account every month.

This is her money to enable her to budget every week for costs/sweets and treats for the children.

I pay for all household bills and outgoings.

My wife also works at a local pub 2x nights a week for her own money.

All other monies required by my wife, she asks me permission to have from them joint account.

This may sound old fashioned, however my wife is happy with this set up.

If she asks for something and we can afford/justify it, she will get that item without argument or pushback from me.

My wife has always wanted to be a "housewife", I work 70 hours a week most weeks, my wife looks after the house and kids and that';s the set up that suits us.

If my wife built up any debt and hadn't discussed this with me, I would not be best pleased.
Neither would I pay it off for her.
I would want to know the root cause for this debt why it wasn't discussed with me.

In addition I would want to know what the money was spent on and why I hadn't noticed £2.5k of "stuff" appearing in the house.

Johnnytwostep

mcpitman wrote: »

Ok, so i'm going to add my 2p worth (and happy to take any abuse that comes after it).

Myself and wife have been married for 10 years now. Children for last 6 years. (now have 2 of the little blighters/cost centres).

My wife recieves the equivalent of Child Benefit put into the joint account by myself as part of the lump sum I move over to that account every month.

This is her money to enable her to budget every week for costs/sweets and treats for the children.

I pay for all household bills and outgoings.

My wife also works at a local pub 2x nights a week for her own money.

All other monies required by my wife, she asks me permission to have from them joint account.

This may sound old fashioned, however my wife is happy with this set up.

If she asks for something and we can afford/justify it, she will get that item without argument or pushback from me.

My wife has always wanted to be a "housewife", I work 70 hours a week most weeks, my wife looks after the house and kids and that';s the set up that suits us.

If my wife built up any debt and hadn't discussed this with me, I would not be best pleased.
Neither would I pay it off for her.
I would want to know the root cause for this debt why it wasn't discussed with me.

In addition I would want to know what the money was spent on and why I hadn't noticed £2.5k of "stuff" appearing in the house.

thats the way it should be, and if the house isn't clean enough or the dinner is late when i come home from a hard days work then no money for her!! thats how you keep them in their place.

Armorica

TBeckett100 wrote: »

You cannot expect your Mrs to live on child benefit....

It's time to move into the modern way of life old chap.

That only applies if they do have the money and the card was used for important things.

That doesn't apply if it was spent on a dozen pairs of shoes that will never get worn and if they don't have the money

(Exaggerated for dramatic effect)