Have I committed financial infidelity?

[i_JeNNiFeR__]

I am engaged. We rent a house together. HE Made the decision to say that I dont have to help with bills for first couple months. Mainly because he felt so bad about making the decision to move into the house without me. 

I have 3 credit cards, totalling up to about $6200, not to mention I just recently start shopping more because of christmas.  I also like to buy things for myself (like clothes) and for him.  He found out I had been spending again. Mind you I have never asked for money, never been sent to collections, I pay all of my bills on time, (car payment, car insurance, loan, cell, loan, & cards)

HE FLIPPED.  He demanded that he take the cards -- they are in my name.  He said that I was an addict and needed help.  Then went on about meetings and counseling. 

My response was what more do you want from me!? I dont have the cards, so I cant spend with them, all I can do is pay on them at this point.

Im pretty sure his attitude is bound to ruin my holidays.  Everything he sees dollar signs.

He saves every penny for his future (he is 32) I am 26. I spend for today and like to have fun -HELL we may not live that old. 

I really feel like he is over reacting.  He says he is not and that I get help or its over.

[cwald888]

You may want to consider two things: First before the spending issues, is this relationship really working for you.  If not take care of that first.  Second if you are spending more than you are making i.e. buying things on credit that you can't afford to buy without credit, stop it.  You are spending you way into financial disaster.  The fact you pay your bills on time is great.  You also need to consider the loss of you are taking by paying interest, instead of earning interest.  Sounds like you could both benefit from some counseling for money and relationships.  Bests wishes

[eskimooinc_com]

You both have very different approaches to handling money. You need to get on the same page, and I'd highly recommmend doing it before you take your relationship any further....

[Mr_R]

You have to be careful with credit cards.
My wife and I got ourselves in a deep hole with them and are trying to dig our way out of a $25,000 credit card debt now.
They are so easy and convienent, and the minimum payment is so small it is very easy to get yourself in a deep whole.
Most cards are charging you 20 +% interest on your balances, as well as huge penalties for late payments.
If you just pay the minimum payment every month, it will take you years and years to pay off what seems to be a small balance.
That's how they make their money.
I'm sure you have heard all this before, but you need to listen to it.
Your fiance doesn't want to be buried in a bunch of high interest debt, and you have to try to see what he is talking about.
It is best to get the 3 cards paid off as fast as you can now, and then, in the future, you cut up 2 of the cards, and use only one to shop with.
Once you have put a balance on it, don't go on any shopping trips again until you pay it off again.
I don't think that you are in a situation you need to go to meetings or get professional counciling, but I do think you are going to have to become more concious of your spending and what you and your future husband can afford in your particular environment.
In today's economy, being in debt, especially to credit card companies, is not a place you want to be.
Good luck to you.

[Mrs_Eward_Cullen]

ask the bank they usually have answers that will help