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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
My ex spent all our money on hookers and strippers. I worked my tail off while going to high school and saved every penny. I think it took him two months.
He also had a gas guzzling vehicle that he wouldn't trade in for a more reliable and cheaper vehicle.
it's a big turnoff. I don't care if you don't make much money but be able to live within your means, don't be high maintenance and don't accrue a lot of debt
I don't mind paying for everything or nearly everything as long as the other person appreciates it and has a good perspective about everything...and also doesn't ask me to take her to a 5 star restaurant all the time
We have well over 20K in debt if you want to include our mortgage and I wouldn't fault someone for having that kind of debt...within reason of course. If you can barely afford the mortgage but you just HAD to have a giant house because all your friends do, then I would not be well matched with that person.
Spending habits..if they can afford them it wouldn't bother me. I don't mean scraping pennies together to pay bills, but if they can pay their bills and have enough money to put towards savings/retirement then what they do with their money wouldn't be a concern for me.
Been there, done that! I was married to a man who thought bills were going to pay for themselves. I'd rather jump into a volcano than marry another one like that.
My best friend was married to a woman, who came to the marriage with bad credit. He helped her rebuild it in a year, to where she was able to get low interest credit cards. After he helped her, she stole tens of thousands of dollars from him, like 50-60K in less than a month....IMO, it's not even worth it.
My Husband had very large financial obligations when I met him and he still had a lot of those financial obligations when we got married.
The difference is I know exactly why he had large financial obligations and we worked for 8 years, together to get all of our debts paid in full (I had some student loan debt).
We have been debt free for about 5 years now and we will continue to work together to remain debt free.
My Husband had very large financial obligations when I met him and he still had a lot of those financial obligations when we got married.
The difference is I know exactly why he had large financial obligations and we worked for 8 years, together to get all of our debts paid in full (I had some student loan debt).
We have been debt free for about 5 years now and we will continue to work together to remain debt free.
Sounds like you make a good team!
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