This is one thing that really makes me mad!!!!!!

Katherine - posted on 05/27/2012 ( 10 moms have responded )

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Should Stay at Home Parents Have to Ask Their Spouse for Permission to Open a Credit Card? My ex used to pull this crap on me all the time. Of course I never listened to him. Why should I? It's OUR money right?

Nope not according to him. It's his money that he earned, from WORKING all week. While I sat home with two small children and did God knows what! I'd imagine watch TV and play on the computer.


ERRRR!!!!! This is such a hot button topic for me!

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Happy - posted on 05/28/2012

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I think your question is word a little different than I would word it. Simply put, for me (I know it isn't tha same for everyone, this is only MY opinion) is that all financial and credit matters are discussed before being made. I am not saying I call and ask my hubs if I can get a latte at Starbucks but I would never open up a credir card account or bank account with out talking to and agreeing with him to do it. I expect, and do receive, the same respect.

Stifler's - posted on 05/28/2012

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I think that it should be a decision made together not just "hey babe I got a credit card with a $5000 limit today" over the dinner table. If it's not a good financial decision then I understand one person objecting. Credit card debt is a huge issue you can get divorced but you'll always have your credit rating. especially if one likes to shop and is always buying stuff. Also I can't even get a phone plan in my name because I don't have a job or get a paycheck I don't have a credit rating, so it's in my husbands name.

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I get angry too when it is implied the money is "his" because he earns it. Well Fuck Me!! The SAHM isn't sitting around doing nothing. Imagine having to pay for a cook, cleaner, babysitter, laundress... it would cost a fortune. I thought a family was about teamwork, and togetherness, and sharing. Not His, hers, mine. Pfft!

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Momof2 - posted on 05/28/2012

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yes you should ask before opening a credit card. i am a stay at home mom and we have a joint bank account that i have access to. we both have a debit card and know each others pins (in case we switch cards by accident.usually he ends up with mine if he takes our son out alone because i usually keep it in the diaper bag.) i think both partners should have access to the money but a credit card could be a disaster in some situations.

dh had several credit cards before we met (he got them in college and was living off them) and also some student loan debts. while i had an resp (so never had to get a student loan) and never got a credit card so i had no debt. we are still paying off "our" debt and i think it would be irresponsible for be to get a credit card in my name while we still have debt to pay off and will soon have our 2nd kid.

Katherine - posted on 05/27/2012

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Exactly! That's one of the reason's we split. He was spending money on God knows what.

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A stay at home parent shouldn't ask their spouse to open a credit card or to spend money. My hubby and I share the money that comes into the house and have equal say.

Amanda - posted on 05/27/2012

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While I am a SAHM, I also work from home, so my perspective might be a bit skewed. If the partners have agreed that one is going to stay home while the other works, then the money is the family's, and both partners should have a fair say in how the money is spent once all bills have been paid.

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