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Hello Everyone,

After 3 weeks of lurking it's time to post.

I need help putting things into perspective. With $11k in credit card debt built over a six year period I want to stop the craziness. For the past eight weeks I have not used the credit card once. I even went on vacation with my wife and two children without using it once. This indeed a tremendous feat, considering that about 5K of the debt was built up on vacation.

So what's the problem. The problem is that my wife thinks I talk too much about the credit card and how I want to keep it down. We don't necessarily fight over the subject, let's just say we don't see eye to eye on the subject.

Let me give you an example. We consolidated her $900 Sears bill at 21% and a cc with $1,500 at 12.5% onto one cc at 6.5%. (The remaining 9K is on a consolidation loan at my credit union at 12% and is paid directly from my paycheck.) We both agree consolidating the debt was a good move and that she would pay down the entire debt over time. (The cc was not activated for new purchases.)

My frustration is that there is still $69 on the Sears bill and she doesn't want to pay it down ASAP. In fact she let the bill lapse and was charged a $20 late fee with $49 on it.

Can I say anything? I have but her response was that she has so much going on right now, do we have to talk about it now.

Should I pay it off? No, this will lead to an argument about me not trusting her to handle money. Besides, I have paid off her debts previously, and think I have set a bad precedent by doing so.

So what happens? The bill remains on the desk unopened for two weeks and I look at it waiting for it to be mailed, frustrated that the interest is acruing.

Any advice or different perspectives would be greatly appreciated. Thanks for listening to my rambling.

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