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Engaged Couple With Debt

Savvy Confessions: Help! I Can't Get Married Because I'm Buried in Debt

This anonymous poster in our Savvy Confessions group wants to know if there's anyone out there who has advice for a young couple buried in debt.

I graduated in 2010 and my boyfriend and I really want to get married, but I'm so buried in debt from putting myself through school that it feels like we'll never be able to afford a decent place, let alone a wedding and a family. Anyone out there in a similar situation or have some advice?

Pose your own anonymous questions or share your work confessions by posting in the Savvy Confessions group, and we'll find the right expert to help you.

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LittleSuri LittleSuri 5 years
I hear you. I am in mounds of debt, both student loans and credit card spending; over $50K at one point.  I told my fiance my situation within probably a month of dating since we knew that this relationship was leaning towards marriage.  Before I met him, I had already curbed my addiction to splurging and was paying down my debts.  So when I told him my situation, he was not judgmental, nor would I think he would be.  He knew that we all 'live and learn'...and the good thing was that I had learned from my actions.  I still have debt and due to his occupation, I have to finish paying off my credit card debts before we get married...not that he won't marry me if I didn't by that time.  So I got very serious about dumping my debt since we plan to set a date soon.  Just recently, I settled-in-full with 3 banks--a total $14K and have only $8 left to go.  It really is about learning how to manage money, so I also enrolled in Financial Peace University.  I manage a Cash Flow monthly budget plan and am using the cash envelope system.  This is an awesome course to go through.  In fact, I plan to go through this course again with my fiance so that we can be on the same page financially.  Good luck.  The hardest step for me was to actually take the initiative and start--it's like letting the dishes pile up in the sink to overflowing and then not wanting to even turn on the faucet because it looks hard and time consuming.  Think like Nike: Just do it.
DazzleDe DazzleDe 5 years
I'm not sure what state you live in, but here a marriage license only costs about $75. If marriage is what you really want, you don't need all the trappings of a big expensive wedding. The two don't have to go hand in hand...
kristincasa kristincasa 5 years
I'm in a similar situation. Boyfriend and I have been together for over 6 years, we want to get married and start a "life" together, but my school debt makes him worried about having a wedding. He says that I need to focus on that more so than to worry about a wedding and a family, but I'm not getting any younger you know? :/ would too also love any advice from those out there.
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