Ladybj
Live, Laugh and Love
- Location
- Somewhere in the USA
Long story short. Hubby and I went through a VERY HARD financial period about 6 years ago. He is the type that a dime will burn a hole in his pocket..well with inflation.. a quarter..lol. He is not good with money. Our finances got so bad that we went through Chapter 13 (he has gone through bankruptcy about 3x) me 2x since being with him. During that time he got himself caught up really bad in those payday loans, we filed chapter 13, our house was foreclosed on.. that's the point where we separated and was close to divorce.
Fast forward.. we got back together. He put money in my account to handle the bills and our credit score has increased tremendously. We purchased a home.. very beautiful. I feel this is my retirement home. Ok.. here is my issue. About 2 years ago he made it possible for me to get my dream vehicle which is a Lexus SUV (which it was time for me to get another vehicle)... I have a few more years to pay on it and no more vehicle payments....OH NO... Hubby wants a brand new truck.. he already has a 2007 Yukon which runs very well. We had a deep discussion tonight regarding finances. He said once your vehicle is paid off I am getting my truck. I was like, I do not want to be in a financial bind anymore. Without a vehicle payment we will be just fine... we are doing fine now, but I find myself using my cc a bit more than I want to at times...he does also. He buys things and order things he does not need, I feel us moving back into a financial bind very slowly. I cannot and will not go back into that financial hole. I will sell my home and we separate again before that happens. That was a VERY dark depressed period in my life. He knows because he was there. I will not sign my name on the dotted line for him to get a vehicle. Mind you, we are not getting younger, we have to start thinking smarter financially and being on this forum has really open my eyes to a few things. Thanks to all that has taken the time to read and respond.
Fast forward.. we got back together. He put money in my account to handle the bills and our credit score has increased tremendously. We purchased a home.. very beautiful. I feel this is my retirement home. Ok.. here is my issue. About 2 years ago he made it possible for me to get my dream vehicle which is a Lexus SUV (which it was time for me to get another vehicle)... I have a few more years to pay on it and no more vehicle payments....OH NO... Hubby wants a brand new truck.. he already has a 2007 Yukon which runs very well. We had a deep discussion tonight regarding finances. He said once your vehicle is paid off I am getting my truck. I was like, I do not want to be in a financial bind anymore. Without a vehicle payment we will be just fine... we are doing fine now, but I find myself using my cc a bit more than I want to at times...he does also. He buys things and order things he does not need, I feel us moving back into a financial bind very slowly. I cannot and will not go back into that financial hole. I will sell my home and we separate again before that happens. That was a VERY dark depressed period in my life. He knows because he was there. I will not sign my name on the dotted line for him to get a vehicle. Mind you, we are not getting younger, we have to start thinking smarter financially and being on this forum has really open my eyes to a few things. Thanks to all that has taken the time to read and respond.