need to pay off debt before i lose my fiance
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|Sun, 06-10-2012 - 6:15pm|
hi everyone! i'm 36 yrs old, a registered nurse and i am a compulsive buyer. hence my $15069.70 credit card debt. i recently got engaged about 6months ago and my fiance was big on reminding me of my spending habits. we have been together for 3yrs and the first year we were together he found out i owe about 10k on credit cards - he was floored! he's the type of guy who pays in cash, has no debt and with perfect credit score. anyway i had to use my $$ from my 401k to pay it off. but because i had an addiction, it didn't take long for me to rack up my CC bills again. i would buy a lot of stuff online, go on trips i couldn't even afford etc. i lied to him about all these and told him i am in control of my debt.. it was a condition for us that before moving forward i should show him financial responsibility. so last year we bought a house. i have been paying my CC so my credit score wasn't that bad so he had no idea, i mean 748 was still pretty much a good score.
yesterday we went shopping for a couch and asked me how i was doing with my finances. i couldn't lie to him any longer so i told him i am in deep trouble again. he was beyond pissed. i dont know what's gonna happen to us but i returned the ring and told him i don't deserve it.
so today i vowed to myself this debt is not worth it to lose the love of my life!
i cut up all my cards except for one - for a real "emergency"
signed up for this support group
wondering if having it consolidated would be a good idea? i heard it hurts your credit score and i don't want that to happen