1k of credit card debt, feel stressed and ashamed

[Cheddargorgeouss]

I got one of those 0% cards to purchase something I use for work.
I'm also going to visit family long haul with my partner and I got our flights on them too.
Then I changed jobs and went from weekly to monthly pay, so ended up using it a bit.
I don't use it at all now and I'm paying back more than the minimum each month. Ideally I'd like to have it fully paid off in the next 5 months.
Anyway I've been a bit stressed about money as also trying to save for a house deposit, save spending money for this holiday, and still have £150 of our accommodation to pay.
I don't have an overdraft or any other loan or credit card etc.
My partner and I had an advance from UC last year as he was unemployed so used to claim, I offered to pay it back so I pay £70 a month for that, luckily I've only got one more payment!
I'm on around 22k and partner 17k. He's on a zero hours contract and some weeks doesn't get full time hours. I am encouraging him to look for better paid work.
Anyway as a result we split bills accordingly, so I pay £100 a month more in rent than him, and I'd say I generally pay for around 2/3 of stuff but he does definitely contribute. He offers more but I feel like it's unfair seeing as I earn more.
Anyway last night I told him I was a bit stressed with how much there was to save and pay for and told him about my credit card. I mean he already knew about it but didn't know the exact amount.
He was furious, sighing and refusing to talk to me. He was really annoyed and now I feel really ashamed and irresponsible.
He has a card too but only uses it a little each month.
About a year ago he did also have around 1k debt on it, I can't even remember why not, but he cleared it eventually.
I know some people have 20k debt for instance, I have a great credit score and I'm always paying more than the minimum.
I've got almost 1k in savings which I know isn't a lot but it's a start I guess.
In the end he apologised and said he was just concerned and didn't want me to end up in trouble. I said I understood where he was coming from.
I just feel really ashamed now and irresponsible. I should have handled it better. I explained to him about how having to pay this UC back etc. And paying the extra 100 rent means maybe I don't save as much as I'd like. He offered more but I feel unfair.
I'm going to sell the original thing I'd bought on the card as I'll get around 400 pounds.
Any advice appreciated

He’s being a dick.

Your bills should be split in half including any debt.

That's nice for him to have arbitary rules like that.

He doesn't get to require you to follow them, and then get arsey when you don't.

Why does he consider himself the boss of your financial affairs?

I would use £500 of your savings to make a real dent in the CC, then continue adding to the savings and the paying off of the CC. Then look at finances with your partner and find a more fair share of household expenses, you seem to be paying out for a lot of things for your partner. He wont have the motivation to look for a better job if you continue to pay and cover his excess.

There is absolutely no excuse for your partner to not be able to get a better paid job.
Even places like Lidl pay decent and have hours. Hospitality and adult social care are crying out for employees - in the latter sector I know you can literally work as many hours as you want.

1. Make sure you know when the 0% ends and pay if off before then in full even if it means dipping into YOUR savings.
2. Stop funding him. He needs either a better or second job and to pay 50% to all bills.
3. Don't let him pay less so he saves more - that's really unfair on you.
4. If he can't pay for his half of rent/utilities/food, how does he propose to pay for his holiday?

Firstly cut up the card to stop yourself from using it any more, but if it is 0% then just work out how much a month you need to pay to clear it by the time the interest kicks in. Set up a standing order to the card for that amount, and it will take care of itself.

Also, you did lie to him and told him you had paid the £400 off the card when you didn't so I can understand him being pissed off and worried. (Been there done that) Does he have any bad experience of debt with previous partners or family members? or himself?

But generally speaking, if you have debt it doesn't make sense to save, clear the debt first then concentrate on the house deposit. Debt and credit limits will always affect mortgage applications, my mortgage advisor told me to clear off one 0%card if I could, because less debt less savings was better than more debt more savings.

Then sit down, look at your finances again. I don't see why should be paying a lot more than him as your incomes aren't hugely different , why should you pay more rent so that he can save more?. I would go with 50/50, make sure you have an equal amount each left, and any excess can go towards saving for a deposit.

Work out how much you need to pay to clear it before the 0% ends and pay it off. Make sure he pays his way. Don't know why he is so furious.

I think its fair enough for him to have expected you to put that money towards paying off the debt tbh but furious isn't going to help is it. If he cant help you with this problem then what is he good for? Berating you isn't helpful.

1k over 5 months is £200. Stop subsidising him and paying back the UC claim. That's £170 sorted straight away.

He needs to up his hours one way or another. I am glad to hear you have savings and I would plug away a bit more into your pension once the debt it paid, especially if your employer matches contributions.

Nothing to be ashamed of OP, happens to the best of us honestly. I spent my whole 20s robbing Peter to pay Paul. Lots of us do it still.

don’t use your savings whilst you’ve got 0% as it makes sense to have a little buffer in savings. just keep concentrating on paying it down over and above the minimum as and when you can.

Honestly on 22k income it’s not a huge amount of debt, it’s manageable. It’s fine.

It does however sound like things aren’t fair between you and your partner - he needs to step up the job hunt and start paying equally into the household and shared bills. It’s fine to help someone out temporarily of course, that’s natural in relationships but not long term to your own financial detriment. If he can’t afford to contribute equally to the household then he’ll need to reduce his own savings down to make the difference. But mostly he needs to sort his employment out.