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.

Comments

So my wife’s going to a gala tonight — as her client’s “date.”

I’m 44 and my wife is 44. She works on an art advisory committee, so attending galas, events, and client meetings is part of her job. She often meets clients for coffee, lunch, or dinner, and I don’t always know the details and that’s completely normal because it’s part of her work. She’s always professional, transparent about her friendships, and I trust her judgment completely. Recently, she mentioned she’s going to a gala with a friend, S. He’s a wealthy client she met about a year ago, and they became friends professionally. She introduced me to him once, and he seems like a genuinely good person. He invited her as his “date” to this gala, and my wife said it’s fine. I did ask her though, if she’s actually going as a “date,” and she just laughed and said, “Date doesn’t always mean romantic.” She said it’s important for her she could get networking and meet new people. Then she smiled and said, “If I get into this gala next time, I won’t need to take that man with me, I’ll take you...

Update- My fiance’s “vows disaster” just hit rehearsal day & it got worse

For context- my fiance accidentally sent our officiant his draft vows, the one full of placeholders like “insert emotional stuff here” and “make her cry but not ugly cry”? Yeahhh. He promised he fixed them. But he did not. At the rehearsal, the officiant asked if he wanted to do a practice run. My man confidently steps up, opens his phone & starts reading the exact same draft. He gets halfway through “insert heartfelt memory here” before realizing, mid-sentence - what’s happening. The entire wedding party is trying not to lose it. Our officiant just sighed and said, “Well, at least you’re honest.” He is now rewriting his vows under supervision like it’s a school detention. The bridesmaids made him a folder titled “FINAL FINAL vows - DO NOT SCREW UP.docx.” If the ceremony goes anything like this rehearsal, I might livestream it for educational purposes. (And yes, I posted the original chaos on r/WeddingJokes — I feel like I owe them an update at this point)

I accidentally went on a date with someone who thought I was their other Tinder match

So, a couple months ago I matched with this girl on Tinder. We had a pretty normal convo, nothing crazy, but eventually she asks me to grab coffee. Chill, right? We meet at this cute local spot, she gives me a quick hug, and right off the bat she says: “Wow, you look even better than your hiking pics!” Problem is… I don’t hike. Like, I don’t even walk briskly. I just nod and laugh it off. We keep talking and she starts referencing stuff that makes zero sense. “Your dog is so cute—what was his name again? Bentley?” I don’t have a dog. Never have. Then she mentions how I told her I used to live in Colorado. Again, not me. I’ve never even been west of Kansas. So now I’m trying to figure out if I have early onset memory loss or if she’s mistaking me for someone else entirely. Finally, mid-latte, I ask, “Hey, just to clarify… what’s my name?” She looks confused. “Jake?” Friends… my name is not Jake. We just stared at each other for a solid five seconds before she burst out laughing. Appare...

Bimql chhetry.

Search This Blog