Shit... what have I just found?

[NameChange73939399]

Name changed so as not to link to other threads.

Just been tidying up while DP is at work. Went to tidy his latest bank statement into the paperwork file. I always put his paperwork away for him, but don't normally read it, I don't know what prompted me to read it today.

There are loads of transactions for apple.com/bill

Multiple transactions per day, ranging from £0.99 to £19.99. I added them up and it comes to over £700 in the last month, which seems like a crazy amount of money.

What is this? App purchases? Gambling? Is there anything legitimate that this could be?

I feel bad for having looked, it's none of my business, we have separate finances, but what if it's a problem?

We each pay some bills (nothing in joint names) but I'm due to start maternity leave in the next couple of days, I can't afford to cover 'his' bills if something odd is going on.

Any ideas? Please tell me there is a reasonable explanation.

And I’d just ask him. I bet that bank statement looked unusual enough to catch your eye, right? Tell him you don’t snoop but it caught your eye and what is all that spent on.

£700 could easily be the same amount as your rent/mortgage, it’s not small change!

i reckon app purchases, i know someone who spends over 1k a month on his games and buying new ones but mostly gems

Thanks @Isleepinahedgefund in-app purchased for the game makes the most sense

In a game you can buy 'packs' ranging from 0.99p upwards.

I'd just ask him. He knows you put his paperwork away so just say you accidentally saw it. I guess he would have hidden it if it was anything he didn't want you to know.

If he plays on an Ipad you have access to you can easily see purchases made, you don’t need the password.

Sounds like in-app purchases. The one I play has add-ons/purchases from 99p to 99.99!

I think if he was trying to hide it he wouldn’t have left the statement lying about or left it out without opening it. I always open all letters straight away but DH often leaves his unopened if he knows what they are which annoys me intensely to see them sat there.

I'd also guess game app purchases. Most gambling sites I know of usually deduct money in whole figures rather than figures ending in 99p. But you need to talk to him I think.

Candy crush

And yes mind your own business

You definitely have to bring it up OP. When my credit card was hacked it was all small purchases like that, ones that don't register with many banks' fraud departments - and apple.com is a favourite with hackers. It's £700! At the very least, he owes you an explanation, but you could well be being defrauded.

He probably doesn’t realise how much he is spending, I would liken it to frittering money on clothes and shoes, ok if you can afford it but not if you can’t, so doesn’t sound like anything sinister just wasting money and should be stopped if things are going to be tighter

How is it not the OPs business?

£700 on a game in one month is an enormous amount of money that would completely floor most people's budgets, as illustrated by the OPs comment that she can't afford to cover his share of the bills.

Not that she should be expected to in any case. They're about to have a baby and are likely to be seeing a drop in income so they both need to make sure that they can cover their joint expenses before either of them takes any personal money and it sounds very unlikely that there will be £700 each left for personal non essentials, which makes it very much the OPs business.

But I shouldn't have read it.

Why not? You're married. Your money is shared. His debts are your debts OP. I look at my DH's credit card statement and he looks at mine. I don't understand why a married couple wouldn't know what the other is spending. What else don't you know about each other, I wonder?

It's the game. He's buying crap in the game. Silly bloke

Pokemon use the same amounts for in app purchases. It so easy to let it mount up

Just looked at the previous month's statement. Similar transactions adding up to over £1000

That can't be normal. But we're not rich enough that he wouldn't have noticed.

My kids used my account once....hundreds of pounds of in app purchases

@pandafunfactory

Candy crush

And yes mind your own business

Really? You'd be happy with your partner/wife/husband blowing £700/month on a game?

It's in-app game purchases. They are the exact amounts those charge and the games are designed to make it LUDICROUSLY addictive and compelling to buy. I had a similar problem though I was more like 200 quid a month. I finally added it all up and was horribly upset and felt incredibly stupid to have got caught out like that. I had to delete the games. I gave myself a limit, tracked each month and everytime I breached it I deleted the game. It was much better for me and now I don't spend at all

I think you need to call him and ask him about it.

You're married. Your money is shared.
OP says DP and not DH so I'm assuming they're not married and she's not "responsible" for his debts, but it's still very concerning if they're having a baby and he's spending hundreds and hundreds every month unbeknownst to her. It sounds like it's spending on apps/games that has gotten out of control but I think you'd need to ask him straight out.

Has he paid the previous statement balance off OP? You say he spent over £1k last month, so the payment that was made should be showing on this month's statement.

Hopefully he has (but you say he doesn't have the income to afford this kind of spend) otherwise this sort of spending is going to spiral into a very big debt very quickly.

Definitely sounds like a game. I linked my credit card to my sisters phone as she didn’t have a card a few years ago and started getting similar transactions coming through, they were all in-app purchases. She’d been told to only download free apps but then didn’t realise all the things she was buying for the games were actually costing real money

I was thinking Candy Crush too