Question

I’m so excited to be paying down my auto title loan I owe $2700 I will be making a $2000 payment next week I will pay it off once we close on a home within the next two months I need the payment history but I can’t wait ! My husband wants a new truck and I want to be debt free  he’s a spender I asked him today how much could he find a truck for if we paid for it in cash he said 18k  I will continue to pay down the bulk of our debt and budget and let him deal with this truck he wants to buy  Does anyone else have a spouse that is not trying to be debt free when you are ?  

Answer 1

My husband is a huge spender. He has no interest in being debt free like I do.  

Answer 2

My husband! He would have 17 credit cards if I let him

Answer 3

‍♀️ its very difficult but were trying to meet in the middle.  

Answer 4

When hubby (both our 2nd marriages) got together we kept our money separate. I'm the spender. Made a deal he paid for the house and I took over the bills. Though he was barely making ends meet until we got together he did it. Took me a while took get my finances under control. They were and I was making headway then I got lazy. Getting back on the road and sticking to it. Even though I have a large income does not mean I can have everything I want. Its tough.  

Comments

@eulogia I totally understand I would spend so much on the kids monthly and whatever I wanted this month I’m buckling down even though I made $12k this month I will be paying off all my consumer debt and getting tires for my suv

---

I have an ultimate goal to be able to buy a new car (yes I know they depreciate etc. ) Cash. No financing. Get exactly what I want listen to them talk about financing options then ask what kind of deal can they give me if I pay cash.  

---

@felicitous what do you do for work  

---

@galven76 I own a Childcare  

---

@felicitous wow! Congratulations! I'm working on switching fields to get out of medical!  

---

@galven76 Thank you it’s my second year in business I used to be a federal employee  

---

@felicitous You'd never make that income there. Leaving was the best thing ever for you.  

Answer 5

Me and my husband keep our finances separate. I’m the spender. So I’m working on paying off my debt. And we’ve talked about what he should do to pay his off. But he probably won’t. He likes having all the money in his checking account. His ex wife would spend their money faster he could make it. He doesn’t have much cc debt to begin with. So he paid off on of his cards the other day after we talked about my journey.  

Comments

@constriction That’s awesome  

---

The sad part is that his dad is a CPA and never thought him about money.  

Answer 6

Luckily mine does *not* like credit cards. We have one that has a 350 dollar limit and that's exactly enough IMO. Our last debt should be paid in the next month and we are going straight cash (except for the bills that auto deduct from checking lol) However he does like to spend if there's money on his debit card

Answer 7

I'm a spender too, finally on my road to debt free and budgeting. But he is not interested in being debt free. New strategy: if you want a house, we need to improve credit, therefore debt free. Hopefully it'll continue to work.  

Answer 8

Mine! 100%. I am at the point where I pay the bills as soon as I get the statement and we deal with what is left. ‍♀️. He gets mad and says it doesn’t need to be paid right now. Um yeah it does.  

Answer 9

My boyfriend is a spender but thank god he doesn’t have a credit card! That will do him no good so thank god he doesn’t hold one to his name! I’m the saver and “budgeter” here so I just tell him to watch his spending but at least it’s our money and not debt money.  

Answer 10

Yup he is but also not as stricy with his money as i am

Answer 11

Yup! My husband loves to buy stuff all the time! I have to constantly tell him “do you need it” because it’s leaving less money for us to buy this, pay off that or go on vacation.  I nag but if I don’t he will just buy everything! I told him I paid off $8, 000 in debt in the last 5 months and he was So excited for me lol but he still loves to buy stuff. We have to meet in the middle.  

Answer 12

We are both trying to be debt free but also starting to save for a truck and home projects.  

Answer 13

My husband was like this. Like he can see why debt free was great but he didn’t like delayed gratification. It took years of me fixing and him messing things up. Finally (thank god) he’s matured enough to actually get on board. I don’t have much advice other than keep pushing. Sometimes they get on board and other women divorce these types of men when it goes too far. Just want you to know you aren’t alone!  

Comments

@tribasic62731 Thank you

Answer 14

My husband doesn’t like to spend BUT when he does, he goes BIG and it’s typically on something that is hobby-related (he’s a hunter) whereas when I spend money it’s on something our son or our family can use  Oh and he has to have some stupidass strong truck to pull a giant camper he owns which is expensive AF  I’m the breadwinner but he pays his bills and contributes some to the household and he does give me any side hustle money so I pay majority of our bills and work on paying down our debt on my own.  

Answer 15

Mine is still a work in progress! He has gotten so much better since he sees how well we are doing with money now. He even bragged yesterday and texted me "look how much i spent on lunch! " (It was $4). Then later he told me that he needs a budget to get fishing poles so he could take our kids. Normally he would have just bought it! Just keep trying!  

Answer 16

Mine is a "nickle and dimer", can't spend major amounts so buys crap, you know the cycle. I think he lives in that broke mentality. But seeing me make progress he was intrigued and is starting to get on board. I made him listen to Dave ramsey total money makeover audiobook and I thought he fell asleep on me but as soon as it ended he hopped up made a couple calls and comes back to tell me he finally got his paycheck lined up to go in our joint account, then sat with me for nearly 2 more hrs talking about what debts we have and goals we want to reach. I'm hopeful, to say the least.  

Answer 17

Thank God my husband doesn’t deal with nothing when it comes to money I handle all that He just well ask me is there enough money on the card to buy something he doesn’t even know how to check the bank information I like it that way