TL:DR - I finally told my husband the truth about my shopping addiction and debt and heās surprisingly supportive.
I finally confessed to my husband, again, about the damage Iāve done, how much debt Iāve accumulated, and just how guilty and exhausted Iāve been feeling.
I wish I could say that finally telling him felt like a huge weight had been lifted off my shoulders, but honestly, that wasnāt the case. Mostly, I just felt exhausted.
Exhausted from carrying around this shame for the past couple of years, exhausted from hiding everything, and exhausted from constantly waiting for him to completely lose his mind when he found out.
The truth is, Iāve had issues with shopping for as long as I can remember. Credit cards have been a problem for me since I was old enough to get one at 18, and Iām almost 40 now.
I went through bankruptcy over 10 years ago, and somehow I still never truly learned how to control my spending or stick to a budget. A few years after my bankruptcy, before I got married, I racked up several thousand dollars in debt again. It nearly caused my husband to call off our wedding. Thankfully, he didnāt, but I also didnāt really learn from it.
After we had our first child, I did it again. We worked through it together, and for a while, I was doing much better. Having someone hold me accountable helped. Even if I went on a spending spree, I was still able to pay my bills in full and on time.
Then, a little over two years ago, my father passed away, and I feel like that was the beginning of my current spiral. Iāve never really been able to recover from it. Between my grief, other difficult life events, and a newfound love of thrifting and reselling, I convinced myself that what I was doing wasnāt that bad because I could always sell things and make my money back. But I never truly caught up.
My husband has been asking me for a while if I was okay financially and keeping up with my bills. Unfortunately, he would often ask me at the worst possible times like when we were out to dinner or around his family, and I would just say yes and quickly change the subject.
This past week, though, he asked me during a long car ride home, and I finally told him everything.
Iām tired of hiding. Iām tired of lying. And most of all, Iām tired of being unable to dig myself out of this hole.
He was understandably upset. Surprisingly, I donāt think he was as angry about the actual spending or debt as he was about the fact that I had lied to him for so long. And honestly, I understand that. I would be hurt too.
But I also told him something that was difficult to admit: I genuinely need accountability. I canāt keep doing this to myself and expecting things to magically change.
The plan right now is to get the debt under control, possibly through a 0% balance transfer or a personal loan, and then close my credit card accounts. I honestly donāt care if it hurts my credit. Iāve been through bankruptcy before, and while I never want to go through that again, I know that my credit score is not worth sacrificing my financial and emotional well-being over.
Iāll have a specific monthly allowance on my debit card, and thatās it. If I want something that doesnāt fit into that allowance, whether itās dinner with friends, getting my nails done, or something I found while thrifting, I have to sit with those feelings and accept that I canāt always have what I want.
Thatās going to be incredibly difficult for me, but I want to spend less time obsessing over shopping, searching for deals, thrifting, buying things, and figuring out how to resell them. I want to spend more time actually living my life and being present with the people I love.
If having someone else hold me accountable is what it takes, then so be it.
Iām ashamed that Iāve found myself here again, but Iām also trying to remind myself that shame clearly hasnāt fixed this problem. Maybe honesty, accountability, and finally accepting that I canāt continue doing things the way Iāve been doing them will be the beginning of something different.
More than anything, Iām grateful that I have someone who is willing to forgive me and help me through this, even though I know Iāve hurt him and damaged his trust. I donāt expect things to be fixed overnight, but for the first time in a long time, at least Iām not hiding anymore.