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DW annoyed by my credit talk.

Established Contributor

Re: DW annoyed by my credit talk.

OP, I do the same to my DH especially since we’re in the process of purchasing a home. 

 

Arguing over money is not a new marital problem. You both have things going on that you’re focused on. I try to see it as we have each other backs. DH thinks I’m annoying and is a big frustrated at me. 

 

This idea might help. I’ve learned to create my own spreadsheets on my credit data. I can mine it for information, input data, and use it to help me make decisions. I don’t feel the need to share all the info with DH because I have it recorded. And it’s helped me strategized. 14 months ago, I cried after being approved for a Cap One Platinum with SL of $500. Now we’re in contract the purchase a house conventional along with the additional cards in my siggy. 

 

Find a system that works for you. Enjoy the kids. Happy wife happy life. Or in my case happy hubby happy life. 😉

Do not allow other people's mentality limit what you can do!It is possible!!
Goal- All FICO 9 scores at 675 or above
9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789
Message 11 of 37
New Contributor

Re: DW annoyed by my credit talk.

Well, considering my SO uses Ibotta and Walmart Savings Catcher it not too hard to sell them on cards like Amazon Prime with 5%, 2%, and 1% cash back. We are currently reviewing the possibility of them getting a Citi DC for 2% cash back on everything else along with the sign up bonus currently offered.

 

I'm interested to hear what kind of deal the OP is getting that is worth the strain on their relationhsip? Do you pay the statements in full every month? Cash back isn't worth much if you're paying interest or fees.

 

Regarding my relationship finances, we keep everything seperate, it started that way while dating and it works for us the same down the road too. Also makes gift buying easier, lol.


EQ 812, TU 817, EX 798
Message 12 of 37
Established Member

Re: DW annoyed by my credit talk.

Again thank you to all for sharing your stories. In response to ch3cker we use the cards like debit cards and pif each month. My current daily drivers are Amex bcp for 6% groceries and 3% gas. Discover it 5% off rotating categories (still in the first year with cash back match so 10%) and Citi dc with 2% cash back for everything else.

I have calmed down now, it's not worth the strain. My DW also seems to be making more of an effort since I calmed down.
Message 13 of 37
Regular Contributor

Re: DW annoyed by my credit talk.

What does DW mean? 

Message 14 of 37
Valued Contributor

Re: DW annoyed by my credit talk.


@Seezer wrote:

What does DW mean? 


DW= Dear wife    DH= Dear Husband




TU fico08=810 08/11/18
EX fico08=796 08/08/18
EQ fico08=818 08/04/18
EX fico09=797 08/01/18
EQ fico bankcard08=837 07/24/18
Garden since 07/02/18
Message 15 of 37
Established Member

Re: DW annoyed by my credit talk.

Find the card that gives you the best overall benefits on average. Tell her to use that card for all of her purchases. Come here to share your excitement when making large purchases rather than telling her. You can still use the card the card that maximizes your rewards for each of your purchases but for her I would give her one card and not worry about it. It will reduce her anxiety that she is going to use the wrong card.
Message 16 of 37
Valued Contributor

Re: DW annoyed by my credit talk.

I don't try to micomanage. Dw knows that certain regular bills go on certain cards. Amex BCP for grocery,  US  Bank cash plus utility, and eating out. BCP gas most of the time. Citi Dc misc. C1 QS for misc. Big Misc either BCP  Amex or Disco due to limits.

 

I try to watch for shop with chase, Amex deals, and disco deals but I am not going to sweat. if I miss something. We earned well over $1K in cash back last year but its just extra play money.  The world is not going to come to an end if charge is on inferior card. 

 

 

Message 17 of 37
Super Contributor

Re: DW annoyed by my credit talk.

Focusing on credit-related things isn't for everyone.  We're [us forum members] in the minority here overall.  All of us here get it, no doubt... but as for our partners?  Not so much.  My last relationship ended largely over money/finances.  At the time we were together, both of us had low-mid 700 FICO scores.  I spent a decent amount of time trying to get my Ex to focus on her credit, but she never had even a fraction of the interest I did.  We ultimately split up anyway and she's been straddling 600 credit scores for the last year where hit my first 850 last week.  It is what it is.

Message 18 of 37
Established Contributor

Re: DW annoyed by my credit talk.

My wife is annoyed with my financial management. She's convinced we can afford more home than I do. I don't see how it's possible, given the numbers, which usually sets off some eye rolling and irritation about how others are doing with less so we should be able to.

 

Fortunately, we don't have any problems with credit cards. When it's her turn to buy, she'll usually use whatever card of hers is running a bigger promotion or higher award rate (5% groceries, for example). When it's my turn to buy, I follow my system with my cards. Everyone's happy.

Message 19 of 37
Established Contributor

Re: DW annoyed by my credit talk.


@sarge12 wrote:

@Seezer wrote:

What does DW mean? 


DW= Dear wife    DH= Dear Husband


To add,

DS = Dear Son, but DD =  Darling Daughter, because aliteration has to ruin everything.

Message 20 of 37