Charge!

Dear reply guy,

I have a huge problem. My wife spends money like it is water. We both have decent jobs, but her spending is killing us. She charges on her credit card for everything, but then only makes the minimum payment each month. What can I do?
Signed: deeper in debt.

Dear Deeper in debt,

This one is easy…let her charge! I know you may be wondering how that can help, but if she wants to charge on her cards until they reach the limit, let her. Once she reaches her credit limit she will have no choice but to pay them off if she wishes to use them again.

Now, obviously this is only a band-aid for your current situation. At some point you are going to have to sit her down and show her how her overspending is causing serious strain on your finances.

Try this method out and let me know how things go. When it is time for that “sit down” shoot me an email and I will go over some ideas that you may be able to use to get her to see the light!

Good Luck,
The Reply Guy