Hello all,
Ive been seeing my wife of two years for seven years now. When we met I knew she had a lot of debt incurred on Credit Cards (about 25000). She seemed to fully realise that she had a problem and needed to do something constructive about it. We moved in together and I found myself going deeper and deeper into debt, she had little left over from paying off the minimum balance on her credit cards so had very little to contribute to the household expenses so I made up the difference. Around this time I asked her repeatedly to register with Step change or some other Debt charity so that she could reduce her payments and wed at least start to make ends meet. After the pure frustration of her not tacking the problem I took out a 10000 loan at a low APR to pay against some of the bills. She made the monthly payments, was more than happy to do so, and with the lower APR there was some residual. We got married, not an expensive do, but things got worse herein. She suddenly realised that step change was what she needed after all and all her debts were renegotiated except the 10000 loan that she was paying me for. Then one day I noticed she was still using the Credit Cards, but like a fool I kept quiet hoping that it was only a one off. Almost 4000 was added to her debt that way. She fell pregnant and of course her salary dropped considerably, by now I was facing my own financial problems and things like a work pension seemed completely out of reach. It seemed an excellent opportunity for her to renegotiate with her creditors via Step Change, but she put up the barriers and said that it wouldnt make a difference. This seemed a little unfair as I was now paying off her 10000 loan myself on top of virtually all the house hold expenses. Within the last four years my debts have risen from 3000 to nearly 23000. We have to move house soon as our one bedroom apartment just wont stretch for our beautiful arrival. DW is now back at work part time (with pension)and the loan seems to have been forgotten about. I'd love to negotiate my own debt plan but this is impossible as the local estate agents seem hell bent on squeezing every pound out of you via credit checks and the like and one day I'd like a home to pass on to my little boy.
Im not sure why Im writing this really; perhaps someone could give me advice as to what to say to her. Ive tried so often. I wanted more from life than this and feel extremely low. I dont think this is something that a hardworking, kind husband and good Dad should have to experience (sorry for the trumpet blowing!)
I just feel like starting anew (although I'd always want to be a major part in my sons life), and feel that this is my fault for being such a walkover.
Please or to access all these features
Please
or
to access all these features
Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody
Relationships
Discussing money with wife
6 replies
MoonlightPicnic · 27/08/2014 10:46
OP posts:
Please create an account
To comment on this thread you need to create a Mumsnet account.