Confession

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13

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  • MinkyMoo13
    MinkyMoo13 Posts: 354 Member
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    I think you should tell him i was in a similar situation and was robbing Peter to pay Paul. You can't be married/in a relationship and have secret debt as it will come out one day.. Its much better in the open. Once i told OH about my debts i felt like a weight had been lifted. I'm not due to be debt free by the end of the year. If you are struggling to pay it back i seriously suggest you get some free debt advice best thing I ever did.
  • Bippie252
    Bippie252 Posts: 14
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    I wish you the best but you should be prepared for him to question your honesty in other areas. Nature of the (relationship) beast, I guess.
  • billsica
    billsica Posts: 4,741 Member
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    thanks for reminding me to pay on my "overdraft protection" line of credit...that only i know about...

    ^^^ do this.
  • Cliffslosinit
    Cliffslosinit Posts: 5,044 Member
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    No matter how you break it to him...you're fooked.

    How long can you hold your ankles? You know in case you drop something.:wink:
    And true to MFP just offer him a taco:wink::wink:
  • chickabee5
    chickabee5 Posts: 90
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    Lol sorry but I'm siding with the minority here. Do you really have to tell him? 1600 is hardly a big deal anyway? If you tell him it'll only make him not trust you. It's not like a bad secret, it's just a little white lie ... and I mean, he doesn't even know does he? So it's hardly a lie at all ... I think telling him about the credit card will just make things worse. Just my opinion ;)
  • BEERRUNNER
    BEERRUNNER Posts: 3,049 Member
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    Meh... just be honest about it. My DH and I both have our own credit cards that we both use at our descretion.... We just are honest about how much is charged to them... especially if one asks.

    I agree with her
  • kel7298
    kel7298 Posts: 1,542 Member
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    Good for you that you are able to get a credit card in your name only. You need to build your credit individually just like anyone. I personally don't see the big deal here. You are a grown responsible woman. You applied for a credit card to build your credit score. To do this successfully, you need to carry a small balance ($1600 is small). You never know if something might happen in your life where only your credit record comes into play.
  • hiker282
    hiker282 Posts: 983 Member
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    Divorce!
  • CakeFit21
    CakeFit21 Posts: 2,521 Member
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    I'm incapable of keeping secrets from my husband. I just have this irrational need for him to know all the good, the bad, and the downright ugly about me. That way, when he continues to love me, I know he loves all of me.

    this this this.
  • kimber0607
    kimber0607 Posts: 994 Member
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    I think it is more about the principal of the situation..than the amount of money racked up
    Affects trust and other areas of the relationship
    would just come out with it clean and up front make no excuses
  • saxmaniac
    saxmaniac Posts: 1,133 Member
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    Good for you that you are able to get a credit card in your name only. You need to build your credit individually just like anyone. I personally don't see the big deal here. You are a grown responsible woman. You applied for a credit card to build your credit score. To do this successfully, you need to carry a small balance ($1600 is small). You never know if something might happen in your life where only your credit record comes into play.

    Incorrect - you don't need credit cards (revolving credit) to build credit. Fixed-price installment loans and bill payment history will work.

    I carry ZERO credit card balance, and I had no problem getting a home loan for a second house. Score is well over 800.
  • beach_please
    beach_please Posts: 533 Member
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    Why don't you tell him you did something REALLY bad like make out with his brother or embezzled money from your job? Then, when he gets all pissed say, "Ha, I'm just kidding but I do have $1600 in credit card debt that you don't know about". In fact, I think I'm gonna try this tactic next time I get myself into a pickle. :smile:
  • onedayillbeamilf
    onedayillbeamilf Posts: 966 Member
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    My advice would be to quit taking out credit cards in your name and maxing them out behind his back.
  • macpatti
    macpatti Posts: 4,280 Member
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    My advice would be to quit taking out credit cards in your name and maxing them out behind his back.

    Ya think?
  • Auspiciousgirl
    Auspiciousgirl Posts: 89
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    Good on ya for coming clean!! Telling him before he finds out (because yes, the truth does tend to come out!!) takes courage and shows good character. This will be a difficult conversation, but it will probably help to build even stronger trust in your relationship. I wish you good luck :heart:
  • tyoung8
    tyoung8 Posts: 115 Member
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    Responses were hilarious!

    But unless you guys pay all of your bills together and share money. I would keep it to myself and pay it off.
  • dlyeates
    dlyeates Posts: 875 Member
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    Expect them to be mad and to not trust you......for a very long time. Expect to have to show receipts to prove that you are trustworthy. Expect to cut up the card and really come clean.....and they may not believe other things too....don't be mad about it!!!

    I would also highly recommend you get the book "The Total Money Makeover" by Dave Ramsey about how to get out of, and stay out of, debt. It saved my husband and mine financial futures!!!!

    Good luck.....they will be mad and they have a right to be. Don't get mad back....you did something wrong!!! Accept it and figure out how to move forward together!!!
  • onedayillbeamilf
    onedayillbeamilf Posts: 966 Member
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    Good on ya for coming clean!! Telling him before he finds out (because yes, the truth does tend to come out!!) takes courage and shows good character. This will be a difficult conversation, but it will probably help to build even stronger trust in your relationship. I wish you good luck :heart:


    How much of that wine did you drink before you came up with this? Somehow I don't see "Honey, I've racked up almost $2,000 in debt behind your back" ending in "Wow baby, that really took courage for you to tell me. I feel so much closer to you now.".
  • lour441
    lour441 Posts: 543 Member
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    If you both have your own money and your own credit cards then don't worry about it. Just pay it off.

    Sounds to me like you guys share funds though and you have been hiding this from him. If so, you are in varying levels of trouble depending on what you spent the money on. If you spent it on hookers and blow for him you are probably in pretty good shape. If you spent the money on crap for the guy you are sleeping with on the side you probably have issues.
  • nas24
    nas24 Posts: 880 Member
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    If no one knows, it never happen. There are just some things ill die with. Hubby knows i had a crazy life, and he feels better not to know details. Smart man :wink:

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