I found out that boyfriend had been charging stuff on his credit card. When we started dating he promised me he wouldn’t be charging anything anymore and for a long while he was holding to that…
He was actually paying a bit over the minimums and being really diligent up to about 8 months ago… then the work shifts became less and less… He still liked to go out so he used his debt card and started only paying the minimums... he felt less like a man if I treated... I’d grab the check and he’d take it from me. But he wasn’t getting into more debt, which was our original promise to each other.
Then work became less and less, they didn’t give him the part time regular hours they said he would… they didn’t give him a truck driving rate, and he didn’t get a raise when they renewed his contract. Over the past few months, I’ve purposefully limited the amount that we’ve been going out so he wouldn’t be tempted.
I had a feeling that things were getting really hard for him. He got hit with contractor taxes because he didn’t realize how much he had really made over the year since it was the first year he really had money coming in… so he hadn’t sent enough over. He had to apply for an extension…
I decided that he wasn’t allowed to treat me or buy me anything unless it was a major holiday or birthday. Period. It was a bit of a shock when we went out with some friends and he couldn’t pay for me. He thought I was being stubborn but I think that was when he knew I was serious.
Well, work got less and less for him, maybe 2 or 3 days a month if he was lucky. They would schedule him for a 12 hour day… and that turned into 5 hours and he overspent waiting on money that he thought was coming in. At 20% interest, it wasn’t hard for him to wipe out what little progress he had made on the open card.
When I saw the statement on his desk, and the new charges he started crying and broke down about it. He asked me to take the card so he couldn’t use it anymore. I agreed. I also told him that I’d help him get through it.
I won’t pay off his debt… but I can do things that help him from adding to it. For one, I'll re-do my budget to allow for more grocery shopping money so we have food at the apartment for snacks and lunches so he will stop grabbing fast food, etc. I also agreed that we wouldn’t go with the group on Sunday nights out after church because it’s too much of a temptation since it’s around dinner time... things like that.
He applied for 10 different jobs. Grocery stores, Walmart, Target…. If they were hiring he applied.
Last night, he got a call back for an interview at a Regal Theater. He goes in on Thursday for the interview. He also got a tech gig with a different company that he met through his current one.
Right now he has a bit over 4500 on one credit card, 1500 I think on the one he closed and has been slowly paying down, owes 1300 to the government for last years taxes and about 2,000 to his parents.
Were crossing our fingers and hoping he’ll get it. then take it one bit at a time.
It would be really great if he could get a job, save up the takes for last year and knock out that small credit card or get the larger one below 4,000.