I live in Downtown Toronto. I’ve been with my fiancé for 10 years. Over the years he has hurt me emotionally and I always forgave him because I love him, but also because I don’t make enough to afford rent by my self. (Not emotional abuse but rather toxic relationship)
We have big debts because of his bad financial decisions and because of my stupid bad behaviour of trusting the people I love, and also the “support my man” idea older generations implanted in me.
My braking point was this week. 3 weeks ago I lost my job unexpectedly, he told me I should not worry and he would take care of expenses while I find a job that I like. I felt super loved and supported by him. At the same time he is dealing with health issues that seem to worsen as time passes. Then he tells me his credit card went 1k over the limit and we have to pay 500 this week. Mean while we only have 100 in the bank. I found a job but I start till next week and I won’t see a pay until next month. And Because of his health issues he has been missing work, so his pay won’t be enough.
My anger is through the roof because for years I’ve been telling him to talk to a financial advisor, the bank or file for consumer proposal to lower this debts that suck up all our money. He has always refused to do any of that because his credit score is very important to him.
Last night he went to the doctor and told me they don’t know yet what is wrong but it seems to be bad. Got even more upset because he hasn’t done anything to lower his debt and we have no money. I told him he has 2 options, file for consumer proposal or call the bank and lower those rates, because he may need medication that we have no money for and I’m tired of paying debts. I’ve been feeling like this debts are stealing our life away and he is doing nothing to fix it. He replied to me that this is not the time to talk about it and he first wants to focus on his health.
At this point I just feel if I stay with him I’ll never achieve anything in my life. He is been pulling me down and drowning me with this debts that got us nothing and nowhere.
I only have 200 in my savings and I’m starting a new job but won’t see any money until 3 to 4 weeks from now. I’ve been searching for rooms to rent but they are so expensive and I dk what to do.
Should I stay and just keep finances separate or should just leave ? And if I leave what should my course of action be?
Im a little at lost here, both emotionally and financially. He has hurt me but he also has supported me through some tough times. But im also tired of paying debts and him not trying to get help.
Comments
Fkng christ, you are blaming him for bad financial decisions but you can’t even afford a rent on your own?
You’re not married. His debt is his debt. You dont need to pay it. He needs to figure that shit out on his own.
WTF kind of job are you working that isn’t going to pay you for a month?
Look into programs that are available to people in your situation. You may be able to find temporary housing until you can get on your feet.
Play the long game. Mary him, take out insurance on him, and then when he inevitably dies from whatever it is, take the money and pay off your debts
Speak to a family lawyer. Not sure where you are located but you may be entitled to support
Do you have any Friends or Family that could give you a room to stay in, until you can get on your feet?
Get out of Toronto. I don’t know how anyone affords that crap. You may have to take on debt to do so