We hear this all the time with the thousands of couples we work with. We cannot tell you how many times we hear, “If we just didn’t have all this debt all our problems would go away.”
The reality is, debt doesn’t kill relationships–people kill relationships. So, what do you do? You make an agreement that says, “We are going to pay off this $10,000 worth of credit card debt.” You make a plan, you put it together and you get down to $5,000. Then someone goes behind the other person’s back and spends a large amount that drives the debt back up again. The other person feels lied to, discouraged and mad at their spouse. The truth is, the person made a choice that could kill the relationship, the debt itself did not.
Often one person in the relationship makes the budget and the other person never really buys into it. That is where one person spends money not agreed upon, because they didn’t buy into the plan to begin with. Make from the start that no matter what the plan is, you both agree on it together.
It is not the debt that kills your relationship. Bust that myth! Your relationship can survive debt. The truth is debt can actually bring you together. If you work on it—together.