CJ asked:


My husband has a spending problem. He will buy things that we don’t need—new tv just because, or a new computer or a new phone—just because he wants too. Most of the time he will just put it on the credit card and therefore we now have a huge amount of credit card debt. I have asked him to cancel all of the cards but one and leave that one as a low limit card that can be used in emergencies but he hasn’t done it yet–he says he is going to but still hasn’t done it. The debt we have in credit cards is eating away at our savings and we have gone round and round about his spending but nothing seems to be getting through to him. I can’t make him understand that we have other bills to pay and that we need to try harder to get out of the credit card debt if we ever want to buy a house. We want to start a family soon but I am reluctant to do so since we are so far in debt. How do I get my husband to understand that money doesn’t grow on tress? Please help!!

Sebastian