My boyfriend has often accused me of wanting to live a lifestyle I can't afford - so all the stuff I really really want but he wouldn't approve of I put on my credit card. But now I really need to start paying this debt off but have no idea how. My salary (like my boyrfriend's salary) just covers rent,electricity,food,ph bill, petrol etc. So I can't use any of my salary to pay off my credit card. Also I need to really pay this off without him knowing otherwise he will be pissed. What can I do?
2006-07-29 23:20:10 · 11 answers · asked by Anonymous in Family & Relationships ➔ Other - Family & Relationships
The truth will set you free, and so will a second part time job, Mamma. Just gonna have to buck up, increase your salary and send the credit card company your whole 2nd paycheck. Tell your boyfriend you want to save to buy something nice, like a home.... and DO save! He is not your husband, is he really allowed to be that controlling over you. Don't let him scare you. You are the boss of your life until you're married: You and God, honey.
2006-07-29 23:24:39 · answer #1 · answered by Sleek 7 · 0⤊ 0⤋
If your salary only covers rent,electricity food etc.You have to call the credit card company and set up some kind of payment plan.Even if it's little by little as long as they see you are trying to pay it off.If your job allows you too maybe you have to do a little overtime.If not you have to find a way to get a little extra cash.There is nothing wrong with wanting to live a lifestyle you can't afford but there has to be a limit.If it's your credit card and not his then it's your problem.You don't have to tell him but if he were to find out you just tell him straight up it's my problem i will fix it.Like if you pay rent and electricity and he pays food and phone bill,try to get him to pay the food,phone bill and (electricity)Something extra.Then use the money you would on the electric bill to pay the debt.Tell your boyfriend you will pay it next bill.Then next time make that the food etc.Start trying to keep the phone bill and electricity bill a little lower.Instead of worrying about him so much start thinking of how you are going to ruin your credit and next time spend then pay spend then pay.Good luck
2006-07-29 23:46:19 · answer #2 · answered by redanimalmuppet 3 · 0⤊ 0⤋
Here's what you can do: Call the credit card company and explain that you are in some tpe of financial trouble and you need their help. Tell them you are willing to pay the debt off, but that you can't afford to pay large amounts each month. Ask them if they can stop the interest changes each month for a period of time. Most will agree to help you....as long as they know they are going to get paid off. Credit card companies would rather hear that you are at least going to try to pay it off, rather than you not paying at all. They would have to write it all off otherwise, which is something they don't want to do. Then....CUT THE CARD UP! And do yourself a favor.....listen to your boyfriend. Obviously he knew you couldn't live the lifestyle you were trying to live in the first place.
2006-07-29 23:34:20 · answer #3 · answered by trueblond195 5 · 0⤊ 0⤋
There's really no need to tell him anything unless you think he is the one and it is guarnteed that you will be marrying him.
As for the debt, consolidate. Get a loan or a credit card with a high limit and pay off everything with it. Then pay off that loan or credit card, make monthly payments and put as much as you can into each payment you make, dont just pay the minimum. That will keep your credit score from going down the drain.
2006-07-29 23:33:34 · answer #4 · answered by Anonymous · 0⤊ 0⤋
he sounds like a control freak to me, no wonder you went nuts on your credit card, would dump him, then ring up the credit card people and try to come to some arrangement to pay off your debt, what kind of lifestyle does he want you to live anyway, get rid of him love, the day i get scared to tell a guy something is the day i neck myself.
2006-07-29 23:27:51 · answer #5 · answered by pebblesandkara 3 · 0⤊ 0⤋
Well, I think a relationship is based on trust, but I can see your dilema here. Thats a tough spot. You may have to consider getting a better paying job or second job. Talk to a credit counselor or try to reduce your interest rate somehow too.
2006-07-29 23:24:17 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Cut it up now and start an envelope system with cash for your spending. Try to refinance the balance and pay $100 per pay check. Even then, it will take a while.
2006-07-29 23:23:37 · answer #7 · answered by The Oregon Kid 3 · 0⤊ 0⤋
you should have listened to him. you could try and get a part time job, or work over time if you co. allows it. now you know, you can't live a lifestyle you can't afford. some ppl have to learn the hard way.
2006-07-29 23:24:26 · answer #8 · answered by amanda 4 · 0⤊ 0⤋
Get a loan and pay it off... nope,
Declare insolvency... nope,
Get another job... nope,
I guess that leaves, tell him the truth and admit that you are a compulsive shopper and get help. If he loves you he will help you.
2006-07-29 23:25:00 · answer #9 · answered by craigsan91 2 · 0⤊ 0⤋
Tear the card up and run like hell!
2006-07-29 23:26:08 · answer #10 · answered by Anonymous · 0⤊ 0⤋