Credit Debt Management

1 | D (A/V) ID

February 23rd, 2010 at 11:27 am

Well, sometimes u have to just set an ultimatum. Sometimes we don’t take thngs into consideration unless we see the seriousness of the matter. However, if u are the kind of couple that can easily talk to each other, then get her into her comfort zone & tell her what u just wrote. Explain it away with something that’s important to her; like the kid’s college fund, a nicer home, a nicer car or a great vacation someday and especially for retirement.
If not, tell her in the subtlest voice that she is not doing a job of handling the finances and effectively pay the bills & monitor ur credit on ur own.It’s about communication. So chose ur words carefully so as to not cause a fight. If u think that’s 2 harsh just open an account at another bank that she’s not a part of and only use it for savings. If u do nothing, it will hurt more in the long run than it is now. Bad credit is a killer in this economy.
*Some women use shopping/spending as a to pass time. Develop some avenue to luring her away from the need to spend or resort to counselling.*

2 | Katez

February 23rd, 2010 at 11:54 am

Why is she even able to take money out of your seperate account? Tell the bank to not let her have access to it and then tell her that your taking over paying the bills until the finances are under control. If you really want to give her a hint buy copies of the Tightwad Gazette and Dave Ramsey’s book, then leave them out where they will be seen by her.

3 | Football season should be banned

February 23rd, 2010 at 11:58 am

I agree with everyone here, I think you should get the book the total money makeover by dave ramsey or listen to his show online is free. http://www.daveramsey.com
you guys are out of control and your marriage is in trouble, get a marriage counselor personal finances are 80% behavior and 20% math.

4 | wisegirl

February 23rd, 2010 at 12:41 pm

Hi,
I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://CreditSolution01.notlong.com

5 | Jennifer

February 23rd, 2010 at 1:29 pm

Your issue isn’t money it is communication. I would recommend getting marraige counselling. In order to succeed both of you need to be talking about what is going on with your financing, that means you both budget, you put all the money into one account and call it our money not mine and yours. check out daveramsey.com
Additions:
It goes back to communicating with your wife. Don’t nag or point your finger at her (not saying you are), but calmly tell her how you feel about the situation ie it is making you nevrvous about your financial situation. If communicating doesnt’ work then you need to open an account with your name only. Take your name off all other accounts.