<prompt> Human: SO and I have been together 6 years now. For the last 2 years, well put shared expenses on the credit card and then at the end of each month, Ill try to pay off the full balance with my own salary. We then have a running tab of how much he owes me for his half of shared expenses and every couple of months Ill tell him to pay me back. Sometimes he pays several hundred, sometimes 1000 or 2000. However, its sporadic and never within the same month of the charges so the credit card balance carries over and we incur interest charges. I havent required that he pay half of the interest charges. Ive been eating that cost for 2 years.Ive been lax about requiring full payments of monthly joint expenses because, for a while, he didnt have a job after graduation and now doesnt make a lot. On top of that, he has student loans and credit card debt. I thought I could cover all shared expenses at first so he could pay off his cc debt and student loans faster.His salary before taxes48K if overtime continues all year. 34K base salaryHis monthly expensesRent - 600Internet - 11Electric - 25Netflix - 12Gas - 30Car insurance - 50Groceries household items - 250Eating out - 200Misc items video games etc - ?Owes Student loans - 80k 200 min monthly paymentCredit card - 6k 30 min monthly paymentOwes me for previously unpaid shared expenses - 6kBased on his income and expenses, should I require that he 1. Pays me back the 6k first before his other debts and 2. always pay shared expenses on time? Or keep cutting him slack and Ill focus on limiting our joint expenses even more? Budget for the both of us? We could stop eating out and spend less on groceries, household items.Assistant: First stop sharing the card. Immediately.Second, if he owes you money he can cut out the video games, netflix, eating out. That money saved can go directly to you.Human: Ive talked to him about this, and shopping around for lower car insurance, but he wont take action. He says I have good points but he doesnt think these are unnecessary expenses. He doesnt want to live like a monk, despite his debts.Writing that out makes it sounds even worse.  <response>: Easy to not live like a monk when you have a stupid SO to pay for everything 