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Old 07-16-2008, 01:59 PM   #37 (permalink)
genuinegirly
Eat your vegetables
 
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Quote:
Originally Posted by Jinn
It's a deal breaker for me in marriage, plain and simple. It's an indicator of responsibility, money management, the ability to have 'delay gratification' and save appropriately for expensive items, and the ability to hold down meaningful employment.

Credit is absolutely not a racket. However, far too many people use credit irresponsibly. If you can't "afford" to purchase things with appropriate saving, it's probably beyond your means. Instead of finding a credit card or a credit company who will extend you that money at a high interest rate, you should spend that same amount of time searching for more appropriately remunerated employment.

I use credit only for things that I can afford in the short term. I similarly plan to put a sizable majority of my mortgage down at the beginning. If you like throwing away money, I recommend using credit. If you like having money, I recommend putting your money places that it works for you. Interest rates are great if you're on the right side of them.

ALL of those things are important to me in a future spouse. The ability to marry and not ruin my otherwise impeccable credit is an added bonus, considering the time I've spent responsibly managing my credit and saving for the things I want.

For a girlfriend? Not so much - you're not sharing many meaningful assets, and your credit score isn't so summarily lumped together by credit agencies as it is for married couples.
YES! Someone who is thinking.

My husband won my heart in part by his frugality, excellent money management skills, and yes, good credit. These things matter to me. I'm careful with my finances. I wasn't about to marry someone who couldn't hold up their end of things.

Granted, I wouldn't go so far as to check his credit score. Didn't need to.

I've known far too many women who were in debt up to their ears because they never learned how to manage their money. Honestly, who wants to take someone like that on?
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