Worried about his Financial Habits

posted 3 years ago in Money
Post # 2
12900 posts
Honey Beekeeper
  • Wedding: June 2011

It’s not just going to go away, what exactly does he think will happen if he just refuses to pay?  Sorry, I honestly can’t think of anything logical to combat that except that, it’s damn taxes, everyones got to pay them.  You don’t pay, you get penalized!  How about a financial advisor?  Maybe they can explain it to him and explain what the implications are for not paying what he owes the IRS.

Post # 3
397 posts
Helper bee

Hike4life:  Oh, I can assure you… They’ll get their money. It’s not just some credit card company, it’s the government. Is he living beyond his means, and struggling financially? Maybe he doesn’t want you to know? DH and I had a thorough understanding of each others financials, debt, prior history, etc. well before we got married. So, every dime was accounted for. Is this the case for you?

For someone not to pay their car registration (which is technically driving an unregistered car, and I think illegal in many places), I’d have a hard time accepting “busy” as an excuse. I know in my state, it can be done online in about 5 min… Or less.

Post # 4
397 posts
Helper bee

And, if it is 100% a “busy” issue, than I would take over all bills now. Better to get a handle on it sooner than later. They have EFT/Autopay options, so “busy” is not a viable excuse. 

Post # 5
579 posts
Busy bee
  • Wedding: December 2011


Soon2bmarried123:  +1

My dh is usually 100% busy, as in his mind is so filled with work I struggle to get his attention on weekends. So if his car license needs renewing I remind him, for everything else he has debit orders or recurring efts set up… I pay my agreed bills and he pays his, he knows if he lets them become overdue he will hear about it from me because he knows how important it is to keep payments up. To give you an idea, the first time we applied for a home loan some banks rejected it because my husband was late on his credit card payment, he had made the payment the day before they considered it the new month so to them he hadn’t made a payment that month in spite of having paid double in their previous month. Since then he has been uber careful about making payments on deadlines, not before (unless he is clearing it) or after.

Post # 6
970 posts
Busy bee
  • Wedding: December 2017


Hike4life:  I think you need to get down to the nitty gritty with him. My FI would be “too busy” too…when we moved in together I basically took over all the bills and financing stuff. I write down in a small notebook the date, what the bill is, leave a space and then the amount that is due….and in the space I put the date I set up payment for it and (if there is one) a confirmation number. I also make a check mark when I have paid it and then make it an “X” when I see it go through on my online banking thing.

Post # 7
3389 posts
Sugar bee
  • Wedding: June 2013

His behavior is alarming. Being financially responsible is important.  I doubt his credit score is great and if it is it’s likely to decline once the IRS starts garnishing his wages. His “too busy” excuse is BS. Does he have time to take a crap?   How old is he?  

Post # 8
1080 posts
Bumble bee
  • Wedding: April 2014

Most bills can be put on autopay or you can set up through your bank to send payment. Are his taxes complicated? I find it a little odd that they are auditing if it is simple taxes. I wonder if he is trying to claim deductions that don’t really apply?

Also, I have to say that his behavior is not great, but I don’t think it is alarming or unusual. My dad is really similar. He is incredibly responsible with most things (and a great dad), but he just “forgets” to pay bills. My mom ended up just taking over paying his bills when she did her own. I think he knows he has to pay it but gets caught up in other things and then by the time he remembered to pay, it was past due.

Post # 9
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

My husband can be like this too. It’s laziness and forgetfulness. I basically have taken over the finances. It’s irritating but I have it under control. 

Post # 10
8389 posts
Bumble Beekeeper
  • Wedding: April 2013

My husband used to miss bills/pay them late, so I took over the finances and it’s worked out fine; plus it’s made the transition into married life much easier (we merged finances 3 years before we got married).  Before that, his credit score was decent, but it wasn’t what I’d consider “good” credit.  However, driving without registration and not paying taxes is a huge problem, if he doesn’t want to pay the full amount with interest he’ll need to get a lawyer (which will probably cost more than just paying the IRS).

Post # 11
1202 posts
Bumble bee
  • Wedding: March 2014

Money is a big cause of divorces, so I’d get this settled now and not wait until after marriage.  Generally, you can’t make a person change.  So either you take over the finances, or you learn to accept his behavior, or you break up.  I wouldn’t hold my breath waiting for him to suddenly become responsible with money.         

Post # 12
24457 posts
Honey Beekeeper
  • Wedding: June 2009

Oh girl, you need to get these IRS problems straightened out before you get married or his problems will become your problems and they will take any joint tax returns that the two of you are owed until he pays it back.  My husband is pretty forgetful about things but he would NEVER EVER drive with an unregistered vehicle!  He is very busy and travels for work a lot but he still gets his butt to the DMV to get his drivers license before it expires.  Forgetting isn’t a good enough excuse.

Post # 13
6980 posts
Busy Beekeeper
  • Wedding: August 2012

I’d take over all the finances now, and if he balks about it take it as a warning sign.

Post # 14
8510 posts
Bumble Beekeeper
  • Wedding: September 2013

DH didn’t have IRS/tax problems but he’s not good with paying bills or taking care of things on time (definitely a combo of being lazy and completely disorganized).  So I do all of our finances.  I also love being in control so it actually works out well for us!

Of course…I would make him get the IRS thing sorted out.  He can’t just not pay, they will find a way to get it.  I’d take care of it sooner rather than later. 

Post # 15
2878 posts
Sugar bee

I doubt his credit score is that good since he ”forgets” to pay multiple bills. Maybe he doesn’t want you to know. While I understand why PPs suggested you should take care of the finances, I don’t believe it’s the best solution. It’s that step more toward relieving him from taking his responsibilities as an adult. And you might end up looking at him as though he was another child you have to take care of. Been there, done that … and my ex only learned to take care of himself after I walked out. It didn’t mean he wasn’t a good person, but I sure didn’t help him by taking all the responsabilities over my shoulders and over time, I did resent him. It was a solution short-term, but it became a burden to me, long-term.  

Leave a comment

Sent weekly. You may unsubscribe at any time.

Find Amazing Vendors