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Going Broke: When a Spouse's Spending is Out of Control

Going Broke: When a Spouse's Spending is Out of Control

Dr. David B. Hawkins

The Relationship Doctor

Editor's Note: Do you need sound, Biblically-based advice on an issue in your marriage or family?  Dr. David will address questions from Crosswalk readers in each weekly column. Submit your question to him at TheRelationshipDoctor@gmail.com.

Dear Dr. David,

I am writing out of frustration because of my wife’s shopping habit. We’ve been married for fifteen years, and ever since we’ve been married she’s had an addiction to shopping. It would be one thing if she spent a reasonable amount of money on keeping up her wardrobe, but it seems like her problem is getting worse. She spends more than we can afford, sneaks money to buy clothes and then returns many of the things she buys. When I confront her about her spending she gets incredibly defensive. We can’t talk about the problem without getting into horrible fights. The more she spends, and then hides her spending, the more I distrust her. I feel like my marriage is slipping away, and I don’t know what to do about it. She wants to treat it like nothing is wrong, yet my love for her is in danger. I’m about ready to give up on our marriage, yet don’t want to lose her. But, I can’t live like this any longer. I’ve read that this is a common problem, but if my wife won’t admit the problem, and if she won’t even talk to me about it, what can I do? Please help. ~ Going Broke

Dear Broke,

There are several issues that need to be addressed in your letter. Let’s take them one at a time.

The fact that your wife is secretive about her spending, and won’t allow you to confront her about it, is alarming. You’re right to call it an addiction, because secrecy and dishonesty are two of the hallmarks of addiction. Your wife’s spending is out of control and she undoubtedly knows it, thus leading to her secrecy and dishonesty.

This problem needs to be treated like any other addiction. While our culture is quick to label addictions to alcohol and drugs, we are slower to confront addictions to processes, such as shopping, gambling and eating, to name a few. Nonetheless, as your letter indicates, any addiction can be extremely debilitating and damaging to a relationship. I’m not surprised to hear that your trust for your wife is declining and your love for her is in jeopardy. This is the path of any addiction.

Now, what can be done about it?

First, it is important that you read about, and thoroughly understand the process of addiction. Knowledge and wisdom are critical first steps when facing any problem.

Second, after educating yourself about addictions, and knowing that your wife may continue to deny and minimize her problem, you must discontinue arguing with her about her problem. Her resistance to information, or intervention, further indicates an addiction. Addicts deny and minimize their problems, making those who confront them feel crazy. Armed with knowledge about this process, you’ll be less likely to fight with her. You won’t win this battle by convincing her of her problem. She must come to that realization on her own.

Third, prepare to take a tough stand. Addicts must reach their “bottom,” where their addiction no longer works for them. Your wife shops for a variety of “reasons,” and will likely give it up very reluctantly, and only when she must. The question will be whether she values her marriage more than her addiction, and only she can answer that. In the meantime, you must set a firm boundary—she must seek treatment for her addiction if she is to remain married to you. Also, I would suggest you seek out a trusted financial advisor. It will take time for your wife to conquer her addiction, and in the meantime, you do not want to be facing financial ruin.

Fourth, you must be prepared to take on the role of support and encouragement, not blaming and discouragement. Blame and shame are not helpful, as she undoubtedly already feels ashamed of her situation. While she will initially resent you for taking a stand, sometime in the future she’ll thank you for your strength.

Finally, let her know, firmly, that you are taking this stand because you love her. Remind her that you’re committed to her and will seek help with her. Let her know that you are open to exploring any role you might play in her problems and the unhappiness that may be fueling her addiction, while remaining firm that an intervention is critically necessary.


Dr. Hawkins is the director of The Marriage Recovery Center  where he counsels couples in distress. He is the author of over 30 books, including When Pleasing Others Is Hurting You, Love Lost: Living Beyond a Broken Marriage, and Saying It So He'll Listen. His newest books are titled  The Relationship Doctor's Prescription for Healing a Hurting Relationship and  The Relationship Doctor's Prescription for Living Beyond Guilt.  Dr. Hawkins grew up in the beautiful Pacific Northwest and lives with his wife on the South Puget Sound where he enjoys sailing, biking, and skiing. He has active practices in two Washington cities.

 

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Most Recent User Comments
knarrowway
2/28/2009 8:47 PM
Overcoming the addictions we have faced in our marriage began with one spouse being patient and visibly hurt, but not retaliatory. Then came a desire to change (repent) fueled by the love for God and my spouse. "Lead us not into temptation" guided us to remove the temptations from our midst. In your case, you may have easy access to the temptations of materialism -- internet/media/urban living/status-conscious friends, or even a materialist church.

I am a real estate broker, and yet there's something about living the country that offers us a degree from the allure of materialism so rampant in my line of work. Your precious wife needs to be drawn away from her temptations (money, media, unhealthy relationships) and drawn out on an adventure, where she will need to trust God and you each step of the way. You might try investing in the company of some chickens, goats and a milk cow in an old farm house in the country. With each swing of the hammer you will be repairing your love
Totaldevotion
9/25/2007 12:40 AM
First of all, I am thrilled that there is an area at Crosswalk.com that is open to discussions such as this that are pertinent to family relationships. I have found that money is an issue in many marriages--no matter what the family income might be. For some reason, it seems that women spend more on "little things", such as clothes, fragrances, gifts and home decorations. Men tend to push the limit on "big things", like cars, boats, vacations and power tools. Either way, people spend money on what makes them feel good about themselves. What bothers me most about the article is the fact that only one side of the story is heard, and that side is automatically treated as truth. Having been in a similar situation, I can easily surmise that much of the problem may not be an addiction to spending, but a negative reaction to a spouse who is trying to control her spending. She buys something, he gets upset, so she soon learns to not tell him what she bought. Both partners need counseling.
LaineyD
9/24/2007 10:32 AM
HI! Reading this article reminded me of my nephew & his wife! As long as SHE has a check book SHE spends money, whether there's money enough in the bank to cover the cheks she writes or not! This has caused alot of trouble for them & because of it, they are having to live with HER mother, in a two bedroom trailer with 6 people living there, (HER mother& sister, & She & my nephew & their two kids)! She's ALWAYS grumbling about NOT HAVING ENOUGH MONEY! My nephew made her get her own bank account, but that didn't help, 'cause even then, when she bounces a check, HE RUNS IN TO BAIL HER OUT, by paying for them & the overdrafts they cause, so SHE doesn't get arrested for it! He's talked to her about, He's joked around about it, trying to get through to her & they've argued about it! But NOTHING has worked, so far! I don't know what he's going to do! I've "SUGGESTED" that he divorce her, but that just made him mad at me!
Thanks for your words of wisdom. Maybe they will help!
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