As one of a similar age who has had two marriages and two divorces, I have both failed and also learned a lot from each failure. So take the below with a grain of salt…
The most important part is regular and steady communication, and a *joint* plan for budgeting & spending. The two of you need to agree on a budget and "regular" spend, such as gas, groceries, utilities, insurance and the like. Other non-regular spend should be discussed prior to making any expenditures and in the context of the family budget. A "fun" discretionary budget for each of you, whether it be for splurging or impulse buys, or anything else, is an important part. Without that, it can feel like one of the two is trying to "control" the other.
In short, both of you should work with a budgeting program or spreadsheet, problem solve together, and commit to your joint path forward.
Whats the number 1 reason for divorce? $. If it doesnt get under control now. What will happen after the wedding? Time to sit down and come up with a plan. Any purchases have to be approved by both of you. Nothing like a savings account and save what one of you want to purchase. Once you got the cash. Use the card. Get the rewards. You earned it. No interest flying out the window you'll never see again. Finances have to be as a couple. His I'll buy that and you find out later wont cut it. Your a team. Have to work as a team. One sided wont cut it. So the budget will need a sit down plan now. Or do you want to walk down the isle in debt and worry more debt will come as he spends what I'm sure you both work for. Love doesnt concor everything. Especially money. My 2 cents.
As stated upthread, he has to be a willing participant. Would be best to sit down now and come up with a plan together, for now, as well as what you both want for the future. You'll both need to be committed to it because if one of you is responsible, focused on what's important (and what isn't) for your lifelong financial goals and needs, and the other tends to be irresponsible, frivolous and/or selfish, it's simply a drag on the whole thing in it's entirety. If it continues, sooner or later it will rear it's ugly head, and become a major sore spot in your relationship, and your life.
So the credit world is stressful as it is. People get lured into companies that aren't legit.
Fixing credit is even more stressful.
Relationships and credit is even more stressful.
So this compounds. You're trying to do the right thing and you may have to take it a step further. You've come to the right place to get help.
Sit him down and make a plan. Stick to the plan.
The old saying is true. You can lead a horse to water but you can't make him drink it.
(I'm a guy btw)
