Now, what do I do next with my husband...?

Question

If you read my question about what happened to my private checking account then you know what I am talking about, if not if you are curious I guess you would have to read the other question. Anyways, the bank gave me all that money back. They moved the charges from my account to his account, which means he now has a negative account balance. Exactly whos fault it was has not been decided, bank said that they could have made the mistake by not unlinking the ATM card from my account when he took himself off of it and linking it to his new account. Or he might not have asked them to do that. Who knows. The issue now is that he never had that much money to withdraw anyways. He has not written anything down in his checkbook for 5 months and now his paycheck is going to all go to pay these overdrafts, not help with any bills for the next 2 weeks. I am trying to get him to be more responsible but it is like talking to a child. What can I say or do to get him to be financially responsible?

Answer 1

K. I went back and read the other one. Here's the thing. It's obvious he's not responsible with money. In my marriage neither is my husband. What we do is I handle all the bills and he pretty much gets an allowance. That might sound harsh, but we talked and he CAN NOT handle money. It comes down to "acting like an adult" and him admitting he can't handle the money (Allowance) OR "being an adult" and actually handling the money correctly himself. He can't possibly want to run your family into the ground!
Good Luck!

Answer 2

He needs to be put on a cash allowance. After his account is out of the red, close it. All his paychecks will have to be deposited into your account, and only you will have a ATM card and the checkbook. Give him a preset amount of cash every week.
As I said in the earlier question, he needs to learn how to be financially responsible. If he wont take a course on personal finance management, then this is the only solution.

Answer 3

easy do what I do, Ipay everything with money orders that way there is a record of it still but since you to have the cash when you get the money orders you don't have worry about your account going negative. You can get them from the post office or gorcerey stores.I have a checking account, but in this busy world people don't want to take the time to blance their check book and get confused with the time delay of checks. If he's never been responsible with money this may slowly help break him of that habit

Answer 4

My best advice would be to get him to a financial seminar and seek marriage counseling. He needs to be more respectful of your money and of himself. If he's being wasteful or over using what's not his, there is a serious problem. Outside help is your best bet.

Answer 5

nothing........ he will have to become more responsible on his on. Just try and minimalise the damage to you and make sure that he can't touch your money. Close all of his accounts (checking, credit card, atm card,..) and put him on a cash ONLY allowance.

Answer 6

Did you honestly marry a 2 yr old. This man cannot be financially responsible does he do anything for you. Have you even talked to him. What is this???????

Answer 7

take his card away and join accounts start paying bills online to keep a record. if you guys are separated oops.

Answer 8

I guess you are gonna have to show him how i guess uuummm maybe you and him could seek a financial advisor

Answer 9

Wow-- I wouldn't let him have a checking account.

Answer 10

YOU GET WHAT YOU PAY FOR.....

THIS GUY DOESN'T FIT YOU.
RETURN HIM FOR A REFUND OR EXCHANGE.
HANG OUT WITH SOMEONE YOU'LL WANT TO BRAG ABOUT, AND QUIT WASTING YOUR LIFE ON A GUY YOU HAVE TO COMPLAIN ABOUT.