Cut him off completely from all credit use. He cant even manage his own credit and he is destroying your.s You need to have a heart to heart. If you are actaully living as a married couple you should be acting like one. Joint accounts with all income going into the joint accout out of which all household expenses are maintained. Keep your credit seperate. that way if he self destructs it doesn destroy your credit rating. You should handle the checking account since you seem to have a better handle on being fiscally resposible. You both should have an allowance for lunch money, coffee etc....
Any purchases that are not household required in excess of a pre agreed upon amount (sa 35$) has to be jointly agreed upon....
He has no financial discipline and he needs the structure to keep from self destructing
