I have been married for 20 years. We have NEVER had a budget. I have begged for one. I have asked him to take over bill payment for years and years. He spends a LOT of money and I get blamed when we go into credit card debt. He makes great money. We have 2 teens and I DON'T spend a lot on them. We don't shop at Nordy's or Dillards..We shop at Kohls, with an occasional splurge at Hollister etc. I pay all the bills and I think I do a pretty good job at it. We have no late payments, I always pay more than the minimums, but occasionally we get caught in a bind with credit card payments.
He uses the cc for EVERYTHING, groceries, beer, wine, sports stuff, trips, shopping... I use it when I forget my checkbook!
We have the money to pay it off from our brokerage acct, but I am not allowed to just call our broker and say ..hey we need to pay this off..It has to be part of a show down.
Right now our cc is maxed out. He found out because in the last week he put over 2,000 on the card for our anniversary, shopping for guns and then a hunting trip, which put us over the edge.
We live in a major city..Our rent is ridiculous....I clip coupons, I don't splurge often, and yet...we have NOTHING to show for our cc debt...I am TIRED of being responsible for everything...I am tired of "hiding" it from him, when he's the major contributor to the debt...
He knows now, and of course he's upset...so am I...Luckily he's away for a week and maybe, just maybe this time we can sit down and communicate about this!!
btw...We have the money to pay this off today!
I have asked many times to be relieved of this burden..I want HIM to see that he is the spender!
I have asked many times to have a sit down every quarter to go over money...No dice
Lastly....His favorite quote is "no bad news." So what am I supposed to say? I don't tell him because his job is stressful enough and I try to make the homelife a good place...(Ridiculous!)