Joint Accounts
How Do I Convince My Husband to Stop Shopping Online?
I’m trying to be responsible, but his Amazon packages keep coming
Dear Joint Accounts,
My husband and I both have a tendency to overspend. I’m trying to address it in myself: I’m working on improving my financial literacy and I stick to a budget. But his Amazon packages keep coming.
Our finances are relatively separate, but I’m an authorized user on two of his credit cards, so I can see that he has at least $30K in credit-card debt (and probably more elsewhere). He makes a good salary, so this debt is because of bad habits, not because he can’t afford things he needs.
I’ve tried to talk with him about it, but any changes we agree to make just aren’t actually happening. I know that he can be financially responsible when he’s committed to a concrete goal — for example, he saved for our wedding and our first apartment together. Right now, we don’t have any of those big savings milestones on the horizon to keep him focused, which I think is why it’s easier for him to spend recklessly.
How can I make him care about saving for our future, even if we’re not sure what that looks like?
Sincerely,
Financially Fed Up
