My credit score has recently tanked. We just paid off a Chapter 13 bankruptcy. I already received a credit card with his name. He’s starting to apply for balance transfer credit cards, and I’m concerned.
Thank you for sending your question. I understand your concerns about the financial behavior of your husband. I believe that you should pray him. Seriously! You should pray for your husband. If you try to change him, that will most likely fail and cause a further division between he and you. As a married man and father AND financial advisor, I have learned that we don’t have the ability to change people. That right and power belongs to God alone.
You can separate your bank account from his, but that doesn’t mean that you will be completely insulated from mistakes that he could make in the future. His lack of good credit can still impact opportunities for the both of you, whether you have separate bank accounts or not.
At the end, he needs to understand how his behavior is impacting you emotionally, the quality of your marriage and your finances as a family. Prayer works, I believe because YOU are God’s daughter. He loves you and what father doesn’t want the best for his daughter? Especially the Lord God Himself, right! So, take your husband and ALL of his “issues” before the Throne of God’s Grace and leave your concerns and worries there for Him. He is eternally and infinitely more capable to “deal” with your husband (or any one of us) that you could ever be.
Thanks again for your question.
MD Fee Only Financial Advisor
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