What do I do?

Question

My boyfriend and i have been together about a year and a half. Well, whenever he knows that i owe someone (via credit cards, loans, etc.) he will go and pay it off. I know that he is just concerned and only wants to help but i really don't want him to pay for holes that i dig myself into. I feel like the only way i am going to learn to take responsibility for my stupid habits is to have to really hit rock bottom and come up from there. I was really stupid and charged up credit cards. Well he wanted me to let him in on the financial side of my life. I hate doing that but i love him. So i told him some of the bills that i had. Well little did i know- He called them ALL within a week and paid them off. So when asked about more.. I didn't exactly tell him the truth. Well let's just call it what it is- I LIED. I knew if i told him the total cost of everything i owed- He would pay it. So when he found out that i lied about how much i owed. HE BLEW UP. He's furious that i lied. HELP :(

my credit score IS NOT BAD. I pay everything monthly.. thats so not my point..

I have apologized for lying. I never lie to him. I hate that i did but i felt like i was doing the right thing at the time. I'm not irresponsible now. I really learned from this. I am only 21 and i have already been through debt and i was working my way out of it. It made me smarter. Most ppl get into debt at a later age and never recover fully. I am a very smart person. I just screwed up and got credit cards at age 19. I told him thank you so much for caring enough about me to do this- but please let me get myself out of this mess that i got myself into. It didnt work. So i guess i just figured that lying to him was best. Boy was i ever wrong. I wish i hadnt lied to him. I love him so much and now i dont know what to do. :(

Oh.. I was only in debt like less than $5,000. It felt like a lot more to me though.

Answer 1

WoW thats nuts. U need to be more responsible & go through your budget with him bc if he plans on a life with u & decides to buy anything big your credit score can harm the both of u.

Answer 2

I wish i had your boyfriend because i own over 20,000 in credit cards that my husband knows nothing about but he soon will because it's been over 4 months sense i have payed on them.Your lucky and don't no it. About your lying you know you were wrong. Just say that your very sorry and it won't happen again and give a b l o w job and he will forget all about it.

Answer 3

Okay, first apologize for lying, then tell him the truth about the money you owe, and tell him why you don't want him to pay it off. He can probably help you in other ways besides paying for you, like keeping you from getting so many bills.

Answer 4

Brit its a good thing you want to be responsible for your own bills. It sounds like to me that he loves you and wants to keep you from having to worry about debt when he can so easily take care of it for you. I would be upset to if I loved someone and we are partnered up and all I want to do is make their life easier for them. Lesson the stress on them. There is a selfish spot on his part. If you are happy he is happy so see its just not for you. It makes him feel good to take care of you. So when you screw yourself (lie) its not good for him either. I hope you understand what I am trying to say. You are very lucky to have someone care that much for you. He's a keeper so give him the bills, make dinner for him and then have a great dessert. Have Stress free Happy Days.