80k credit card debt
Yes, 80k in credit card debt. This was accumulated in 3 years. 3 years ago, I had around 40k. I finally confided in my husband and while devastated at the breach of trust, he very generously forgave me. I told him right before I received a bonus at work that more than paid for the debt. So that was that. We moved on and I quit my job in finance after our second child. All of our accounts are joint except we each have a credit card that we put monthly miscellaneous expense on. I pay for all groceries, kids needs, house needs, vacations etc.. basically everything except the set bills. When I quit my job, we decided I needed to keep my credit card balance at a certain amount. I would go over each month thinking I’d catch up the next. I truly don’t know how it got to this level. I’m not buying designer items or anything crazy at all. No crazy beauty treatments. I get a pedicure once a month . It would almost be better if I had evidence of how it got to this point . Instead , it’s just random purchases from Target or Amazon I don’t need. I can’t wrap my head around this . I know this sounds crazy. The thing is we are very well off and have the money to pay it off. I just kept saying I was keeping things within check each month. My husbands monthly income is about 40 percent of his annual compensation . His annual bonus all goes towards paying our house down or investments. I plan to go to therapy and tell him soon. He deserves to know and I can’t keep living with this shame. I’m not sure he will ever trust me again and I wouldn’t blame him. If we didn’t have two children and an otherwise good marriage/life together, I am sure he would leave me. I’m hoping therapy helps me wrap my head around all of this . I’m drowning on so many levels.