My husband wants us to buy a second home – he doesn’t know we’re £6,000 in debt
DEAR DEIDRE: NOW he’s retired, my husband thinks it is time we bought a second home down by the coast.
What he doesn’t know is that I’m £6,000 in debt and my credit score is awful.
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I’ve never been good with money, but I really let things get out of hand during the lockdowns.
I was ordering the most random things because I was bored – like a £300 vacuum cleaner – and putting them on my credit card.
When my husband asked how much things were, I downplayed it.
But the truth is, I’ve been struggling to meet my monthly payments, and so have been borrowing money from our adult son.
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I’m 56 and ten years younger than my husband.
How do I tell him the truth, and how can I fix this quickly?
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DEIDRE SAYS: There is no sugar-coating this, so just be honest.
Your husband is more likely to be sympathetic if you are upfront with him before he discovers the truth himself.
I’m sending you my support pack, Solving Debt Problems.
But I would also recommend talking to the National Debtline (nationaldebtline.org, 0808 808 4000) which will help you come up with a repayment plan.