well, i've been with my boyfriend for 4 yrs now (im 21 FYI). i've always had money to buy him something- i'd spend about 200 or so... and he'd do the same. I got laid off in july and have been trying to get a job again- i have no incoming money and my credit cards are almost maxed out... he asked me what i wanted and i said a digital camera.. ($250) and for him and i to take some portraits at jc penny. i know i have to buy him something- but- im soo poor- should i just use the credit cards to buy him something along with my mom? and my credit cards will be completley maxed out? - im soo poor! what should i do?
2007-12-11 06:01:24 · 9 answers · asked by pam3la 1 in Business & Finance ➔ Personal Finance
tell him what you told us. Tell him the truth. Last thing you need to do right now is rack up any more debt.
Right now you should be getting debt counseling, not a digital camera. You can live without one. Other people are.
If you want the portraits, really really want them, why do they have to be from JC Penny? That's pretty dang expenisve, and you don't get much. Go to Walmart for them, pay cash.
Most importantly, stop using your credit cards all together.
Cut them up, burn them, throw them away or give them to you mom (if you know she won't use them or give them back to you)
If you need a job, don't be afraid to take anything right now, even a part time fast food job or a job as a dishwasher You can always look for a better one on your days off and take the day or morning off if you have an interview.
If he really cares about you after you tell him the truth about how poor and in debt you are, he'll see you through this. If not, he wasn't really the one for you.
2007-12-11 06:17:51 · answer #1 · answered by Anonymous · 0⤊ 1⤋
Be honest and tell him exactly that. You should never have asked for a $250 + gift in the first place. The best response would have been that you appreciated him thinking of you, but because you are so low on funds, you'd rather skip exchanging this year and instead do something meaningful together.
Do not max out your credit cards. Christmas is one day, you'll regret maxing it out and not having the income to repay it for a long time.
2007-12-11 10:33:18 · answer #2 · answered by Anonymous · 0⤊ 0⤋
I'v been through this kind of things before. Tell him you don't want anything but to spend time with him. Have him over and cook a dinner with whatever you have around the house and just spend time togeather. To help you future you should get a book by Dave Ramsey called "the complete money makeover". You should be focusing on getting out of debt not creating more debt.
2007-12-12 04:03:50 · answer #3 · answered by jt6341 3 · 0⤊ 0⤋
Don't get him anything. There is no law that says that you have to get him something. Going into credit card debt (one of the worse kinds of debt) to buy christmas gifts is a very bad idea. Debt should not be used for frivolous things.
If you just have to, figure out how much cash you could possibly pull together (without increasing your debt) and buy him something cheap. If you feel guilty about it then tell him that you don't need a gift. Instead, do something special for christmas. Fix a dinner or something. Make a nice evening out of it. Your boyfriend probably knows that you are out of work and thus out of money. He will understand.
2007-12-11 06:08:05 · answer #4 · answered by A.Mercer 7 · 1⤊ 1⤋
When he asked what you wanted, you should have replied, nothing but your company and a nice card honey, I really don't have the funds to buy you anything and your buying me something would make me feel bad. Let's just spend the day together.
2007-12-11 06:09:19 · answer #5 · answered by Mickey 6 · 2⤊ 0⤋
Bake her some hand-crafted cookies?? Make her a discount e book and write out some coupons like, doing chores, giving her breakfast in mattress, etc. you're able to make the e book and beautify it, placed it in a container and wrap it up!
2016-12-17 14:42:34 · answer #6 · answered by ? 4 · 0⤊ 0⤋
If you have no money you have no money. Go ahead and explain that to him, if he really cares for you he'll understand. Just don't wait until Dec 24/25 to tell him.
2007-12-11 06:10:49 · answer #7 · answered by my brain hurts 5 · 0⤊ 0⤋
He and your mom are aware of your financial situation and shouldn't expect a gift. If you have a talent at making some homemade craft or food items would be nice.
2007-12-11 06:20:37 · answer #8 · answered by ~ Floridian`` 7 · 0⤊ 1⤋
Get a job, perhaps?
2007-12-11 06:09:42 · answer #9 · answered by Anonymous · 0⤊ 2⤋