Dave Ramsey: Credit card addiction is serious problem
Credit card addiction calls for family intervention for reader's mother-in-law.
DEAR DAVE: My mother-in-law has a serious credit card problem. She can't afford stuff, but she shops anyway, acquires more and more credit and thinks she'll pay for it all later somehow. Her husband has bailed her out a few times, but he's unwilling to do it anymore. My wife and I, and her sister, want to address this issue, but where do we start?
DEAR JONATHAN: First of all, you need to stay out of the discussion. This is something for her daughters to handle, and her husband needs to be part of it, too. He's closer to this and feels the effects more than anyone else in the family.
They need to sit down with her in a closed setting, where there are no interruptions, no television and no one else. Start with the fact that they love her and care about her deeply. This part is really important. But they also have to walk through what's going on, and let her know they're tired of watching her destroy herself and her marriage with this immature and irresponsible behavior.
Everyone involved should understand going in that they're likely to receive a volatile, angry reaction from this lady. Sometimes people get ticked off when they hear the truth, especially when it's connected to their own misbehavior. It may even be a good idea for your wife, her sister and your father-in-law to get some advice from a family counselor beforehand. What we're really talking about here is an intervention.
If she were a drunk, you'd want to try and make her see how alcohol was hurting her and the relationships she has with her family. Basically, she has a credit card addiction, and it's wreaking havoc on her marriage and their financial well-being. Show as much love and understanding as possible, but someone has to say something and draw a line in the sand. Otherwise, this behavior will eat everyone alive.
Life Photo Galleriesview all
- 23122Oklahoma weather: Crews work to clear storm damage in Oklahoma City as the state braces for severe weather Sunday.
- 10571Oklahoma Severe Storm Updates
- 6943OKC Thunder GM Sam Presti won't amnesty Kendrick Perkins
- 5977OKC Thunder: Thunder trio praise fans before potential departures
- 5278Wild hogs continue to be a growing menace across Oklahoma
- 5014Student shot dead during botched home invasion
- 3834Oklahoma State football: Todd Monken thinks Wes Lunt should've stayed in Stillwater