I am sick of paying off my wife’s credit card debtsJanuary 12, 2019
DEAR DEIDRE: YET again, I find myself having to pay off my wife’s debts.
I can hardly believe it.
I discovered by chance she owed thousands on various credit cards, only ever paying back the minimum each month.
We are both in our sixties and coming up to retirement, so will be living off our pensions fairly soon.
We had a huge row but I paid them off using savings and some of my pension.
She promised it wouldn’t happen again – yet it did and we had another row.
I even threatened to leave but eventually I paid off the sum.
Then, by mistake, I opened a letter addressed to her.
It was from the credit card company, saying she was paying off so little it would take for ever to settle the outstanding balance.
I hate this constant rowing but I can’t seem to get through to her that she is jeopardising our future.
I don’t know what to do.
I am already thinking about cancelling the holiday we have booked for later this year.
I don’t think I could enjoy it knowing all that money is owed.
DEIDRE SAYS: I can see how frustrating you find your wife’s spendthrift ways but getting angry and having rows is obviously not working.
Sit down with her and work out on paper the income and expenditure for each of you every month.
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Then decide on a treat you each would like on the first day of the next month – if things go according to plan.
In other words, make it feel worthwhile for her to stick to the new arrangement.
Keep the paperwork handy so you can each refer to it whenever necessary.
My e-leaflet Solving Debt Problems will help you get these finances straight.
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