Obsessive Over-Spending and Marriage

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Worst Cases

Analysts often write in magazines that money, budgeting, and the use or misuse of money cause the worst problems in marriage and romantic partnerships. Many people agree. This forecast is true among average relationships, but does not begin to address partnerships in which one partner deliberately initiates a relationship for the purpose of financial support or exploitation. The latter are more extreme cases that sometimes qualify as crimes that may be prosecuted. At the same trime, money can be the center of unexpected catastrophe in any relationship.

Innumerable are the stories in adult education and training programs in which a single mom is called out of class on the first of the month by a live-in boyfriend who demands her public assistance or disability check - right now "or else.". Beatings have occurred in the lobbies of some of these institutions when the check was not handed over, the staff slow to become involved or to call the authorities form fear or shock. This may be the worst of financial problems in relationships in this country, but money can be a problem in any neighborhood and any home.

Too frequently, one partner in a relationship controls the financial lives of both partners and the remaining person hasn't a clue about total family income, taxes, savings, checking accounts, properties, insurances, loans, credit cards, car payments, safety deposit boxes, and other financial elements. In cases where the controlling partner develops a tendency to over-spend, followed by the failure to pay bills, the spouses or partners can become homeless.

Locked post office box.
Locked post office box. | Source

In some cases, the controlling partner also controls the mail and the other partner never sees an eviction notice, late payment notice, income tax refund, or a summons to court,to name a few examples. Sometimes a couple in these situations becomes homeless. Other times, a controlling spouse moves away without a word and the other partner is left homeless and with a pile of unpaid bills. Social service agencies, attorneys, and the court system sometimes become involved.

In other relationships, one spouse or even both partners do not budget or keep track of expenses and spend as they like, regardless of bills, mortgages, utilities, and car payments regularly due. They sometimes lose all their possessions and become homeless. Some of these couples know nothing about personal finance procedures, but some others do not see the importance of them. Banks and other community based organizations offer personal finance classes and workshops, often free of charge and several times a year to help individuals and families. Credit counseling agencies provide similar training when couples or individuals sign up for their services. Help is available.

SAVE!....SPEND!
SAVE!....SPEND! | Source
Few peope have a money factory.
Few peope have a money factory. | Source

Build a Foundation

I read an article by a pastor's wife in which she said that it is important to know your partner as well as to desire him or her, that one should desire to know the partner fully.

A marriage is a long-term commitment that takes faith in each other and the marriage, as well as work, not only feelings. Considering marriage as just "being together" and running up unpaid debts raises the national debt load and hurts the national economy.

Spouses and partners need maturity, a measure of selflessness, and a sense of reality. They need to deliberately learn about and know each other in regards to character, work ethic, morals, values - including money matters, spirituality, medical histories, intelligence, and range of behaviors that includes reactions to stress. This is a foundation that takes time to build.

Part of a solid foundation for marriage is an agreement about the importance and uses of money and a budget, with some future financial goals agreed upon as well. Health and life insurances, wills, powers of attorney, retirement incomes, burial arrangements, and related matters are all part of this financial aspect of marriage. Spouses should not have hidden incomes, hidden properties, or hidden bills that the other does not see. These are a certain source of problems. Money matters can take the romance out of a relationship, but spendthrift based homelessness will surely wreck the foundations of a marriage.

Elvis Quote -- " When things go wrong, don't go with them."
Elvis Quote -- " When things go wrong, don't go with them." | Source

The Need To Know

No matter what income level, potential spouses need to know their opposites well enough to understand how they view money as a tool -- How does the other person use money? See the Hub Losing Touch With Friends Because They Become Addicts for some examples of red flags concerning money.

I continue to be of the opinion professionally and personally that a person that is over-controlling with or one that plays games or is dishonest with others concerning food, sex, or money suffers a mental disorder. I won't name a disorder or diagnose a label, but I will say that I want to stay away from these individuals. These behaviors hurt other people severely and are not easily stopped. Educational classes alone will not help a sickness to end. We can explain to a client why and how a cancerous brain tumor needs removal, but if the surgery is not performed...

Control can cause serious harm and require legal intervention.
Control can cause serious harm and require legal intervention. | Source
Get to know a healthy partner and take care of business and you'll have more time and energy for romance.
Get to know a healthy partner and take care of business and you'll have more time and energy for romance. | Source

Budgeting classes don't take away the desire to control or abuse another person financially. Cooking and nutrition classes do not take away a drive to withhold food from family members or to overfeed a child -- I knew a husband that kept all the food in the household locked in his automobile trunk and a locked refrigerator in the garage - there was no food in the house for the family until the social services system engaged. No sort of classroom lecture along will end sexual abuse of one partner against the other, either.

I knew a 60-year old, severely arthritic woman that was kept a prisoner in her basement bedroom for nearly a year without a penny before she was rescued, held by a daughter-in-law and son that took her disability checks. This continued until the local social service and legal agencies were alerted.

In another section of town, one partner was held captive in an 8' by 10' room by a larger, intimidating partner. The captive had the bulk of the income; the other controlled finances, medications, and the phone, thereby controlling the individual. They were two poor retirees in a poor neighborhood, from appearances. An unexpected event revealed annual combined income of seventy-six thousand dollars and debt of nearly twice that in cash advances and loans taken for spending money. A house and auto were lost, leaving an old car, some odds and ends, and huge bills as senior services engaged.


Prevent Homelessness

Some romance might be lost in addressing practicalities, but a homeless romantic is still homeless.

I think it's best that a couple sit down with bills, checkbook, bank statements, etc. monthly (on a regular schedule) to see where they are financially. Allowing one partner to have total control over family finances, while the other knows nothing at all about them is usually a mistake, except in the case of late-stage Alzheimer's in one partner, or similar.

Before becoming married, it may be wise for a couple to share their most recent yearly free credit report with each other. Afterward, new credit cards, loans, checking/savings, investments and other items would best be discussed together before undertaking them. Purchases over a certain price limit could be agreed to be discussed before actual purchase as well -- A surprise 62" TV may not be a good surprise to a spouse that was just laid off that day.

Early Red Flag

Once, as I began dating a person, he asked me to sign a signature card on his checking account in a city hundreds of miles away. This was an instant red flag. I would have been jointly responsible if he overdrew the account and if he should have learned that my paycheck was mailed to my apartment and laid hold of it, I'm sure now in hindsight that it would have gone out of town. I refused to sign the card. He immediately asked me when I would buy a house and I said, "In 10 years." The relationship went away, making me very fortunate.

My advice is to know one's spouse as well as possible before marriage and to be careful about signing anything. Expecially, do not be intimidated or sweet-talked into signing a financial document that is not in your or your partnership's best interest. If financial matters begin to go wrong, get help early if you can.

© 2011; Patty Inglish, MS Preventive Medicine. Psychology. All rights reserved.


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Comments 10 comments

FloraBreenRobison profile image

FloraBreenRobison 5 years ago

I know people very close to me whose marriage broke up over money and how and where it should be invested. It's one of the reasons why I'm happy being single in the first place.


Patty Inglish, MS profile image

Patty Inglish, MS 5 years ago from North America Author

I am sorry to hear of another couple that broke because of money - investments, even. They must have had enough to live comfortably and broke up over investing. I am becoming speechless at this. Thanks for sharing.


sparkster profile image

sparkster 5 years ago from United Kingdom

Absolutely superb write-up, very well put together. Unfortunately I've experienced this sort of control first-hand from my ex-fiancee who I was 'stuck' in a relationship with for 11 years.

I never knew how much total income we had, what our debts were, how much savings and was always prevented from achieving any of my goals in life (she didn't have any). It really was all about control, she also kept secret the fact that she was living a double-life seeing a family member behind my back all along on irregular occassions such as when I was at funerals, weddings, on valentines day and my birthday - times that I would least expect it.


Earth Angel profile image

Earth Angel 5 years ago

Money-Control Out of Control! GREAT Hub dearest Patty! I love the way you bring up such interesting underbelly aspects without judgement ~ just education! You are the BEST! Blessings Always, Earth Angel!


Cardisa profile image

Cardisa 5 years ago from Jamaica

This is really serious. When you live with or are married to someone it becomes a unit. Everything should be done together. I will never accept or understand that gap between two people who are supposed to live together.


Artin2010 profile image

Artin2010 5 years ago from Northwestern Florida, Gulfcoast

Thanks Patty I think this applys to my life.lol


breakfastpop profile image

breakfastpop 5 years ago

Very interesting and useful piece. Money causes so many problems in marriage. People enter into a partnership without the skills necessary to make it work and handling money is right up there in the top. Up and useful and awesome.


psychicdog.net profile image

psychicdog.net 5 years ago

Spot on Patty - a friend of mine has a spouse who used to be an alcoholic - now, instead of alcohol it is spending. Only yesterday I was talking to someone very well off who revealed in his first house the chairs were old milk crates with blankets - nowadays everyone seems to want to have it all NOW - I think credit cards have created this false economy - the idea that you have to make do and make financial sacrifices seems to have gone out the window.


Patty Inglish, MS profile image

Patty Inglish, MS 5 years ago from North America Author

Hey eveyone, thanks for all the comments!

I guess addiction can switch media, right? - alcohol to spending to gambling. Wow! Thanks for all your input.


nikashi_designs 5 years ago

Could not imagine such a scenario, down right scary how some spouses act with money. Your advice to really know your partner before tying the knot is solid. I also know a couple of families that are on the verge of break-up because of that green paper, stress and financial worries will always put husbands and wives to the test. Glad that my wife and I keep bills and spending in check and if one falls behind, the other picks up the slack. Great article Patty...

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