SweetLeoLady33 t1_j2ebp70 wrote
Reply to comment by Sad_Entertainer6312 in [35F] [38M] What to do when your spouse says one thing and later on the details change? by [deleted]
Idk what it’s called. So I pay my own cc and I have a house in another city that I pay all the bills for and all personal expenses like nails, hair, shopping etc. but I have my own savings account still. I have no access to his personal account or bills and he has none to mine.
We both contribute a percentage of our check to a joint account in which our shared household bills and groceries come from as well as life insurance and joint savings.
Does that clarify things? I guess technically we are kind of separate, which I intend to keep that way.
Knowing this info, how would you tackle this?
Sad_Entertainer6312 t1_j2ecc0o wrote
Separate finances then.
I would just leave it alone. His finances are his issues, he probably sees any inquiries you're making as nagging.
SweetLeoLady33 t1_j2ecuyy wrote
Thank you & I agree it’s naggy. But his personal debt & credit will negatively impact our ability to buy a home, that’s my main concern. & the different answers.
Sad_Entertainer6312 t1_j2ed76j wrote
That's a separate discussion to have with him, completely separate from his loan repayments..
How much does he owe, and what was the loan for?
SweetLeoLady33 t1_j2edubc wrote
About 15k & he’s not been clear on what it was for. Im checking in on it because he told me that he wouldn’t be ready to go get a preapproval letter for a house until this debt is paid off. I’m expecting and wanting to close on a house sooner than later. I suspect, that he’s more so embarrassed about his credit and not wanting to face the fact that he may not qualify for the loan at all so he’s using this debt payoff as a way to buy more time to boost his credit score. That’s just a guess for me because 15 K is not really a lot of debt. I have house debt, so way more by far & im not scared, but I also have high credit & income.
Sad_Entertainer6312 t1_j2eeok0 wrote
Why don't you lend him the 15k to pay off tne loan, and come up with an agreed payment plan, $1,500 a month for 10 months.
SweetLeoLady33 t1_j2egnoc wrote
As great of a person as my husband is, his credit score indicates that he does not value paying things back on time or at all-mind you he has a 6 figure income, so there’s not much excuse why his credit is in the shape it is imo.
While I do believe we are in it for the long haul, I cannot risk giving him that money & something going left and him not paying me all the money back or not in the agreed time/amounts because something else came up. I could see the convo going like this “can I pay just $600 this month since the washing machine needs replacing?” with a familiar relationship, he would just expect for me to understand. I don’t want to deal with that.
But yes, for a person who has been responsible with their debtors & credit, this would be a worthwhile suggestion.
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