OH Debts - Do I sort them out?

fatbelly

You definitely shouldn't contact her creditors because you don't appear to have a plan.

Her plan seems to be to ignore them indefinitely and so far that seems to be working.

If she qualifies for a Debt Relief Order that is something she could look at but it's her decision.

Whatever she decides, you should avoid joint financial products.

Divingmad

Hi Guys and Gals,
My other half is capable of working and is awaiting a new contract to appear, having just finished one last month.
I have tried to point her in the right direction towards money, but alas, it has fallen on deaf ears. Her attitude to her salary was 'what do I have left to spend', rather than 'what does she need to spend', so budgeting seems such a bore to her.
I had a plan drafted for at least determining what she owed, but like many of you have said, it's her problem, so I shall leave it at that.
We aren't financially linked, no joint accounts and the mortgage is in my name. I suppose my other saving grace is that the debts were accrued before we met, so I am not implicated there either.
So i'll park the plan I had drafted and wait to deal with the inevitable fallout if it all goes pete tong.
Thanks everyone
DM

Brightspark87

Just quick note - she hasn't changed her attitude towards debt therefore, can you honestly say she won't do this again? I get she is on contract etc etc but how would you feel if you are still in this situation in 3 years time?

If she doesn't agree with you then you need to seriously think about this. I don't think you can help someone with their debt until they have their own 'light bulb' moment. My DH doesn't care about paying is debt off as much as I do, but we both agree to be more MSE and do our best to get both debt down.

I don't mean to be harsh but just waiting until it all goes wrong isn't the best way to be.