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marry or serious relationship. Say they have 20k and up in debt. They pay things off on time. They may not be the most responsible with money (e.g. Shopping a lot, not saving money, etc) but in other areas the relationship is good.
Would debt and poor spending habits detract you from this person? The biggest cause of divorce is financial issues. Something to think about.
When i mention spending habits, this is what i've experienced with some girls that aren't 'great' spending habits:
-won't do basic car maintenance, but will spend money on clothes they don't need
-will spend a lot of money on their hair and mani/pedi. I do care if a girl takes care of themselves though. Attention to detail, but within reason
-expects you to pay all the time when going out, yet has frivolous spending habits
-eats out a lot. I am guilty of this some, but that is a leak in your budget
-lives out of their means
Marry or serious relationship. Say they have 20K and up in debt. They pay things off on time. They may not be the most responsible with money (e.g. shopping a lot, not saving money, etc) but in other areas the relationship is good.
Would debt and poor spending habits detract you from this person? The biggest cause of divorce is financial issues. Something to think about.
When I mention spending habits, this is what I've experienced with some girls that aren't 'great' spending habits:
-won't do basic car maintenance, but will spend money on clothes they don't need
-will spend a lot of money on their hair and mani/pedi. I do care if a girl takes care of themselves though. attention to detail, but within reason
-expects you to pay all the time when going out, yet has frivolous spending habits
-eats out a lot. I am guilty of this some, but that is a leak in your budget
-lives out of their means
That sounds like a lack of maturity and responsibility. Someone like that probably would be irresponsible in other ways, too. Wouldn't be compatible.
Spending and saving attitudes need to be compatible.
That said, I married a guy with a mortgage...that's debt. He married a woman with student loans...that's debt. We are actively paying them off, just as we always have as long as we've had them, they're budgeted for, just as they always have been, and it's not a problem.
Would I have married somebody whose financial priorities were severely out of whack with mine? No...that's a pretty good indicator that we aren't very compatible. But if we have the same basic attitudes about saving and spending, it's all good.
Spending and saving attitudes need to be compatible.
That said, I married a guy with a mortgage...that's debt. He married a woman with student loans...that's debt. We are actively paying them off, just as we always have as long as we've had them, they're budgeted for, just as they always have been, and it's not a problem.
Would I have married somebody whose financial priorities were severely out of whack with mine? No...that's a pretty good indicator that we aren't very compatible. But if we have the same basic attitudes about saving and spending, it's all good.
That's a different kind of debt. Most people have a mortgage, school loans or a car payment. That's normal debt you accrue in life, and does not reflect poor finance decisions. ( unless you spend more on a house than you can afford, buy a new car every three years, or are a perpetual student.)
Been there, done that. Never again. One woman I was with always had to get the newest things (clothes, shoes, phone). She maxed out several credit cards and had a bad credit rating. Saving money is very important to me, someone who is reckless with money is a no go. My only debt is a mortgage (which is over half paid). I pay credit card balances in full every month. This is actually the biggest deal breaker for me.
Hey, how many of us are saying "never again." We learned the hard way, huh? I helped my ex get out of debt before we married---but his bad habits never really were broken. It made things very stressful at times. So put me in the "never again" category. Right now, except for my mortgage, I am debt free and loving it. Never again... no credit card balances, no car loans, nothing. It's a very liberating feeling too.
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I helped my ex get out of debt before we married---but his bad habits never really were broken. It made things very stressful at times. So put me in the "never again" category. Right now, except for my mortgage, I am debt free and loving it. Never again... no credit card balances, no car loans, nothing. It's a very liberating feeling too.
