She's Been With Her Boyfriend For 5 Years And Still Hasn't Told Him She's Racked Up $15,000 In Credit Card Debt

By Bre Avery Zacharski Jul 02, 2024

She's Been With Her Boyfriend For Years, But He Doesn't Know Her Secret

AdobeStock 129803803 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

A 26-year-old woman has been in a relationship with her 27-year-old boyfriend for just about 5 years, but she's keeping a pretty big secret from him.

She Got A Credit Card At 18

AdobeStock 334500400 PheelingsMedia - stock.adobe.com - illustrative purposes only, not the actual person

Back when she was 18-years-old, she received a credit card in the mail that she was pre-approved for, and since then, she's gotten herself into a lot of credit card debt.

It's Been Hard For Her To Admit She's Awful With Money

AdobeStock 90732811 Kenishirotie - stock.adobe.com - illustrative purposes only

And she does admit that she is, well, bad when it comes to money though it's been hard for her to finally realize this.

This Is How She Got Into Credit Card Debt

AdobeStock 137355487 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

"I went through the cycle of racking it up, paying it off, racking it up, then slowly paying it off," she explained about her credit card debt.

In Contrast, Her Boyfriend Is Good With Money

AdobeStock 162064034 1 bmak - stock.adobe.com - illustrative purposes only

"I don’t live with my boyfriend, and he’s a very frugal person- he lives at home still because he wants to save up and buy a house."

She Feels Terrible

AdobeStock 136470468 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

"This is why so much is weighing on me, I feel awful because he’s working so hard, and I’ve just been screwing myself over and him as well."

She Did Tell Him She Was $2,500 In Debt Way Back When

AdobeStock 121173845 bartsadowski - stock.adobe.com - illustrative purposes only

When she did start dating her boyfriend, she actually was quite honest about being in debt, which was approximately $2,500 back then.

She Paid That Off

AdobeStock 236122441 Yakobchuk Olena - stock.adobe.com - illustrative purposes only, not the actual person

She managed to pay it all off...

But Got Herself Into More Debt

AdobeStock 128084982 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

...But then she started racking up credit card debt right after that, and she has not revealed that to her boyfriend.

Over The Last Year, She's Spent A Ton

AdobeStock 534149271 minoandriani - stock.adobe.com - illustrative purposes only

Last year has been the worst on her wallet; she bought a car, got addicted to gambling online, adopted a dog that has cost her a lot in vet bills and care, and she took a vacation across the country to see her best friend.

She Actually Broke Up With Her Boyfriend For A Month

AdobeStock 133787501 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

A lot of her spending happened over the course of a month last summer when she broke up with her boyfriend, but they quickly got back together.

Her Debt Is Now $15,000

AdobeStock 91109192 Kenishirotie - stock.adobe.com - illustrative purposes only

All in, her credit card debt is now at around the $15,000 mark, and her boyfriend still has no idea.

She's So Distraught

AdobeStock 131818375 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

"I’m so distraught, and I don’t know what to do anymore," she said.

A Pregnancy Scare Made It Worse

AdobeStock 498892238 Maksym - stock.adobe.com - illustrative purposes only, not the actual people

"We had a pregnancy scare, and right away, he was talking about how he’d need to work more, how we’ll have to start looking for a house. He already has a lot saved up for a house."

She Feels Like She Betrayed Her Boyfriend

AdobeStock 137355211 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

"I feel as if I’ve betrayed him, that I haven’t done my fair share."

She Has To Tell Her Boyfriend Her Big Secret

AdobeStock 137355405 Rostislav Sedlacek - stock.adobe.com - illustrative purposes only, not the actual person

She knows that she does need to tell her boyfriend her big secret, but she's afraid of how upset he's going to be with her.

She Doesn't Want To Hurt Him

AdobeStock 497431276 Jadon Bester/peopleimages.com - stock.adobe.com - illustrative purposes only

"I fully expect him to be angry and hurt and feel betrayed, and I’m hurting just thinking of doing that to him," she continued.

She's Afraid He Might Dump Her

AdobeStock 100377309 kieferpix - stock.adobe.com - illustrative purposes only

"He might break up with me, and I have to accept that might happen."

How Do You Think She Should Tell Him?

AdobeStock 497281059 Jadon Bester/peopleimages.com - stock.adobe.com - illustrative purposes only

How would you bring this up in conversation? You can read the original post on Reddit here.

By Bre Avery Zacharski Jul 02, 2024

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