My husband is in his late 20s and is terrible with money. He has never been GREAT but now it’s awful. We have never shared a bank account until a few months ago before we bought a house. After that, I caught him taking money from my savings acct when he made well enough to pay his bills AND have spending money.
Lately, he hasn’t been paying any bills besides $150, but still has no money. He has a part time job after getting laid off, and has no drive to get a full time job. I work full time and I’m sick of paying all the bills by myself. I watch him do fun stuff with his friends while I work, come home, wait to go back to work. He doesn’t contribute to chores. He spends every second he can with his friends. I’m also concerned he has a drinking problem since for awhile he was at the bar or knocking back a 6pack every night. He’s “tried to quit” drinking several times and it only lasts a month. He’s also gained 75 pounds (majority from drinking).
Two months ago, his car was repossessed after he said he’d “been making payments”. Now we owe his parents money and I found out a few days ago he has a $2k credit card bill I had no idea about. We just got our tax returns back and he thinks he’s entitled to my half and his half. AND he overdrew his bank account, causing them to take the money from my account. So, for the 2nd week in a row I have no money to pay bills or buy groceries! I have bailed him out with money several times. When his license was suspended and we had court costs....fixing things on his car that he “didn’t have money for”.....money for a down payment for the car.....
I don’t believe I’m responsible for the debt he has accrued. I feel as if the tables were turned he wouldn’t be offering any help to me. I feel maybe if he had to dig himself out of debt he will finally learn a lesson. I love the man he used to be, and I really want to make our marriage work but I’m so frustrated. I feel as if I’m ready to settle and have children and he still wants to act like a child. To make matters worse, his mother is always trying to give me advice on “how to be a better wife”. I’ve tried nagging him, gently and encouragingly talking to him, and praying and nothing has helped. I feel like a failure and it’s put me into a depression. I’ve considered temporary seperation, but it breaks my heart to even think about that. Please give me any advice. I feel like it’s a losing battle :(