His Girlfriend’s $13,000 In Credit Card Debt, And It’s Making Him Hesitate To Take The Next Step With Her
For a little under four years, this 32-year-old man has been with his 32-year-old girlfriend, and they currently live together.
Their relationship is filled with love, and they both want to purchase a home and then have children.
He makes $100,000 a year, and his girlfriend makes $67,000 annually. He has stock options and a decent amount of money in the bank, so his personal finances aren’t something he’s worried about.
Last year, his girlfriend revealed to him that she was approximately $9,000 in credit card debt. While she kind of let on to being in debt, he never knew about the full amount until then.
He was grateful that his girlfriend didn’t hide it from him and thought it wasn’t so bad that she couldn’t get out of it.
He helped his girlfriend get set up with a 0% interest balance transfer card so that way she could find relief from her crazy interest payments.
He reminded his girlfriend that she should be aggressive in paying down her credit card debt, and she reassured him that she was making those payments consistently.
For the last ten months, his girlfriend has announced that she’s been paying $1,000 every month.
So he thought she was almost out of debt, and that made him feel confident in “taking the next step” with her.
Minerva Studio – stock.adobe.com – illustrative purposes only, not the actual person
A couple of weeks ago, he checked in with his girlfriend, and she confessed that her new balance is $13,000.
Instead of paying her debt down, she racked it up further and didn’t end up using the 0% interest balance transfer card.
She actually wasn’t lying about the payments she was making – the payments simply were not enough money to bring her overall balance down in comparison to the interest she owes.
He’s not happy that his girlfriend didn’t say anything to him and that he had to push her for information.
And while she’s ready to move ahead with buying a home and having kids, her credit card debt is making him hesitate.
“My financials are in an o.k. spot, and I’m ready to take the next step in my life,” he explained. “But [I am] not sure if this is really possible.”
“What would you all do? I’ve talked to her and everything about how important this is. But she is not seemingly trying to get a new job! Don’t know what to do.”
You can read the original post on Reddit here.
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