My ex partner managed to get himself in debt to the tune of 40K over three credit cards back in 2012, he blamed this on the expense of his divorce, he managed, with some difficulty to get an extension on his mortgage to pay these off and he promised faithfully he would never get himself into that situation again,
Fast forward 10 years and after years of his drinking and abuse I also discovered, again that he had kept his original credit cards, maxed them out and was, again 40K in debt, at this point I'd had enough anyway and we parted, the thing that concerns me is where all the money actually went ? In the time we were together we lived a very modest lifestyle, almost frugal, never went abroad, rarely ate out (or if we did it was cheap and cheerful) and he didn't appear to be interested in gambling (he never even had an annual flutter on the Grand National) even his father quizzed me on this, the implication being that I was probably the frivolous one).
I know it's a bit silly pondering it now but a few friends have asked me and I've never actually been able to answer the question ?