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It really depends on how you handle your finances. It kind of sounds like you have separate finances.

Maybe sit down and do monthly planning together. Keep a spreadsheet with planned payment goals, and then check in monthly to see where you are at.

You seem reasonable, accepting that he has made mistakes in the past. Its perfectly normal that you would just want to agree on a path to move forward. As newlyweds, you are probably planning for things like a home purchase, potential kids, etc.

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?

Absolutely, I’m scared his credit will slow us from getting a house and I am currently expecting. It’s hard for me because I’m already a homeowner so I am not used to apartment style living & I certainly don’t want to bring a baby to an apartment. I was hoping we could buy before summer, but idk that that will happen with where he is.

Separate finances then.

I would just leave it alone. His finances are his issues, he probably sees any inquiries you're making as nagging.

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.

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?

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.

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.

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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