A
female
age
36-40,
anonymous
writes:My boyfriend of 2 years is very and I mean very bad at keeping his finances in order. He's 21 years old and he has collection agencys calling him every day. he gets numerous letters in an atemt to collect debt, and his checking account is like -500.00. I know he is young but I am 22 and I keep my finances in order. He does have a great job where he gets 18.00 an hour, but when he gets his check he just cashes it and spends his money on food, video games and gas for his car. It makes me kinda sad because we can never go out to like a romantic dinner or something where he will treat, I always feel that I have to treat him eventhough he has a way better job than me, but doesnt utilize his money very well. I am just wondering is this just a phase that some young guys go through where they just dont care too much about that and just want to buy stuff that they like, or will this never change even when he is older and hopefully more wiser? Are there any guys out there that have had the same trouble at this age. I just dont want to eventually get married and let him bring me down financially as well.
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male
reader, saltwater  +, writes (16 September 2008):
 I'm 21 and I'm not careless with my finances and have a good sum of money in the bank...but then I'm really tight with money.
Perhaps you should put your foot down with him and tell him your concerns -- not just because you want him to treat you once in a while but also with the current credit crunch people are going to need to be more cautious with money than ever.
I agree with hlskitten...be careful.
I would advise you not to do any joint accounts or any other joint financial commitment until he sorts himself out.
Take care.
A
female
reader, hlskitten +, writes (16 September 2008):
 Be VERY careful! There is a saying thats very true...'its not what you got, its what you do with it'
I am as poor as a church mouse hun, BUT, i dont have credit cards, i dont have loans, and i dont buy anything unless i have the money for it. I use eBay for my clothes, Primark for the kids clothes, buy all the offer food in the supermarket, manage to run a car, take my kids to school 20 minutes away everyday, and still have enough to go out every saturday night.
My little brother is 26, he gets 50 pounds a day in his pocket, yet it all goes on booze and drugs and he is 500 quid in arrears with his rent. He owes about 700 quid to council tax. And is forever poncing off our mum when his electric metre runs out.
You seem to have yourself a bit of a spender on your hands there. And i would keep an eye for a while, before thinking of settling down with this guy. He's quite young to want responsibility yet. Alarm bells are ringing already to you. My ex husband that i married when i was 18, was a nightmare.But he was only 19. After 2 yrs marriage and him being so terrible with money, i left him and met someone i worked with and spent 9 happy yrs and had 2 kids with him.
You will go round the twist in the end if he stays reckless with money sweetheart.
C xxxx
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