roommate keeps maxing out credit cards and partying while I’m just trying to survive college

My roommate is already deep in debt. She has multiple credit cards maxed out and she just signed up for another one. Every weekend she goes out to parties, buys expensive dresses, and eats at fancy restaurants. Sometimes she even tries to pressure me to join her, but I’ve learned my lesson from my previous roommate and I just don’t. I like going out sometimes, but I can’t spend money I don’t have.

It’s hard living with her because she doesn’t listen when I tell her to slow down. I’ve tried talking to her multiple times about not spending so much and not going to so many parties, but she just ignores me. She even complains if I don’t come along sometimes, which can be stressful.

I’ve been careful with my own money. I use debit cards that build credit instead of credit cards. That way I am only spending money I actually have, but I am still slowly building my credit for future things like renting an apartment or buying a car. It has been working really well for me. I cook my own meals, make coffee at home, and walk to campus instead of paying for rides. I also keep track of what I spend and save a little every month.

Living with her has taught me a lot about managing money and setting boundaries. I’ve realized I can’t control her choices, and I have to focus on what works for me. I try to stay patient, keep my own habits, and not let her lifestyle stress me out too much.

Edit: Thanks for all the replies, I really didn’t expect so many people to relate to this. A few of you asked about the card I use, and some even DMed me. There are a bunch of options out there like Discover or Fizz. I personally use Fizz and it’s been working really well for me. The nice part is it only lets me spend what I already have, so I don’t have to worry about digging myself into debt. At the same time, it reports to the credit bureaus so my score is slowly building in the background. It also gives small rewards which honestly come in handy for groceries or coffee here and there.

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