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georgesprincess | What should i do? |
ok i have a macy's card, an old navy card and a credit card. all together i owe like $800. im 19, and i have an ok job me and my husband own our condo and so far were doing pretty good. i haven't told my husband about my debt he thinks i only owe like $300 to my major credit card. so should i tell him or just continue to pay everything off and not tell him. he hasn't been asking where my money is going, and i don't use my credit card anymore, i have just been paying it off, every two weeks when i get paid. so should i tell him or just keep doing what im doing, paying it off? im starting to feel really bad about this. |
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dave37missouri
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Your not going to like this Idea, but believe me, I've made the same mistake in the past. Cut up all but the credit card, and try not to use that in less it's an emergency. Pay off the Macy's and Old navy (on time payments, pay ahead to avoid finance charges, etc.) Whether or not you tell your hubby is completely up to you, but I have found out it is better to ask for forgiveness than it is to ask for permission. Honesty is probably your best play here. Cut up the cards and fess up. Use it as a positive, you will have built positive credit at the two stores and that looks good on your credit reports. |
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kckid2
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Yeah, you should tell him, he's your hubby. You shouldn't keep secrets.
If he's the violent kind, then cancel that. |
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abcdefghijklmnopqrstuvwxyz
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Tell him and get it off your chest. You will feel heaps better and it is better than him finding out that you were keeping it from him later on down the track. Get your debt paid ASAP and then try not to use your credit card until you know that you will be able to pay it off as soon as you get the account in the mail. |
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Live'n It
|
Honesty is the best policy. Tell your husband that you want to be honest with him and that actually...yada yada yada and that you are NOT using it anymore and will continue to pay it off. BE HONEST so you are trust worthy and that he can encourage you in the right direction and visa versa. |
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Serious
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You have to tell him. The longer you wait the bigger the problems/ break in trust this is gonna be for the both of you. |
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Ruth
 |
Just tell him - it will be worse if he finds out on his own. Besides, there are people who are tens of thousands of dollares in debt - you are doing good paying it off. |
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Billy P
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just plan on winning the lottery. |
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Sophia M
 |
You could return some stuff to the store ya know....
Considering it was Macy's, Old Navy...I bet you went on shopping sprees eh.
You know in the end you're gonna end up with bad credit and the bank hating you. Which isn't very good.
You should try using a credit card like a debut card. Only buy things that you KNOW you can pay!
And don't tell him. He'll get disappointed and both of you will feel miserable until you finally finish and even afterwards he might not trust you with money. |
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mama mia
|
Hmmm.... that's a hard one. Sometimes I almost think it is best to leave things as they are, just so the other person won't be stressed out. Not to save your own skin, mind you; but I would probably just continue to pay the balance down and not bring it up simply to save my husband the worry.
I am not an advocate of lying, however, to me this just seems pretty trivial in the first place -- not enough money to really matter. You could, on the other hand, mention to your hubby (when he's in a good mood) that you are aware that he thinks that your debt is somewhat lower than it is. Don't act afraid or defensive or rude, just let him know that in order to make sure there are no misunderstandings, you want to make sure he knows where you stand financially. Then you might tell him the amount of your debt and that you've been paying it off each paycheck and that you have not put any new charges on your cards, nor do you intend to put anything on credit in the future that you don't already have the money to pay off as soon as you get the bill.
You are probably doing this already, but it's a good idea to pay down the balance on your cards as quickly as possible in order to save yourself a ton on finance charges. And good for you for being so responsible and paying down your balances every paycheck. Those credit card companies are just plain evil, as far as I'm concerned. I just read that Bank of America is raising the rate on its credit card to 28%! It's hard to believe that is legal. But since there are so many people who are defaulting on loans right now, the bank has decided to charge the customers who aren't deadbeats to make up the difference. Good luck with whatever you decide. :) |
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cheetahhate
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Just tell your 19 year old husband that you're paying everything off. I'm sure your 19 year old husband will understand. |
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Luna
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just relax or see a lawyer...... |
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