Hi all i am looking for some advice please .I work part time 12 hours a week home and the rest of the time i am a sahm .I am married 6 years but we never had a joint account and although i am very good with money dh is not .
I pay all the stuff to do with kids house etc plus my own car loan, credit card and anything i need such as clothes .I am not earning much but manage to make it stretch out, it is easier now i am not paying child care or preschool .My dh earns a very good wage above 70k a year and he pays mortgage and esb ,Internet ,Phone and his own credit card and that's it .I pay home heating and all groceries .
The thing is he is very lazy when it comes to paying the mortgage .He will often let it go 2 to 3 months in arrears and then pay it off in one go .It is not like the money is not there but he is just lazy about paying it and refuses to set up a direct debit to do it .I am so sick from getting the letters in the door that our mortgage is in arrears again as it is continuous .I am also worried about my credit rating at this stage but don't know how to change it .I have not got the means to pay it on top of everything else so feel powerless in this situation .When i bring it up i am nagging him and do i not realize how busy he is and he will get to it .I have suggested taking over finances and making sure its paid but he is having none of that.
Any suggestions in what i can do about this situation and do you think my credit rating is now affected I am scared to check at this stage .
I pay all the stuff to do with kids house etc plus my own car loan, credit card and anything i need such as clothes .I am not earning much but manage to make it stretch out, it is easier now i am not paying child care or preschool .My dh earns a very good wage above 70k a year and he pays mortgage and esb ,Internet ,Phone and his own credit card and that's it .I pay home heating and all groceries .
The thing is he is very lazy when it comes to paying the mortgage .He will often let it go 2 to 3 months in arrears and then pay it off in one go .It is not like the money is not there but he is just lazy about paying it and refuses to set up a direct debit to do it .I am so sick from getting the letters in the door that our mortgage is in arrears again as it is continuous .I am also worried about my credit rating at this stage but don't know how to change it .I have not got the means to pay it on top of everything else so feel powerless in this situation .When i bring it up i am nagging him and do i not realize how busy he is and he will get to it .I have suggested taking over finances and making sure its paid but he is having none of that.
Any suggestions in what i can do about this situation and do you think my credit rating is now affected I am scared to check at this stage .