<prompt> Human: Were Australian, Im 30 and my partner is 26 Ive been in a relationship for a couple of years and emotionally we are in a real good position, however financially I have some concerns.5-6 years ago my partner went overseas and at least partially funded the trip with some extremely bad advice on their credit card, and now 5-6 years later has paid off little of anything so has approximately 6k in credit card debt.My partner has also got approximately 1.5k in debt for purchasing a laptop.She has recently got a decent job, however pays minimum wage commission but bring new to the job means the commission is very up and down and she has struggled to even pay the interest on this debt and I have had to help her out with paying for certain bills to get us through which to me is obviously not an ideal situation.Personally i have always tried to be responsible with my money, and while I dont do any official budgeting I do try to save when I can, and honestly I feel I could be in a position to position to pay off my partners debt, however this seems like a red flag as it is teaching her to not take accountability for her own mistakes.She is unable to transfer the debt elsewhere - so she at least doesnt have to pay so much interest - as I believe she has tried a couple of times.While I said I personally manage my own money well enough, I dont know anything about budgeting or paying off debt or what financial services she can use to solve this issue, and at the same time while I am constantly trying to talk to her about saving money and not spending on unnecessary items there is still work to be done here.Any advice would be appreciated.Assistant: 7,500 in debt doesnt scare me at all. What scares me is her spending habits. Using credit cards to travel overseas and buy an expensive laptop? What would worry me in this situation is will she ever quit living beyond her means? If you believe that you will be with this partner long-term I would do what I could to help pay the debt off, but only after I saw a significant effort from her. If she isnt managing to set back a little money each month theres no way Im paying it off for her. Once it is paid off, hopefully she will realize how great it feels to not have debt to worry about and actually watch your bank account start to grow. Best of Luck.Human: Yea thank you this is my exact line of thought. I havent proposed this idea to her yet as I was hoping just constantly talking about her debt would help her to re organize her way of thinking with finances, but there isnt much difference now to 12 months ago.An issue which I do feel for her with is that one month she gets paid a decent amount of commission, then the next she might not get much at all so it is difficult to budget, but we can only work with what we are given.  <response>: The inconsistency in monthly pay isnt abnormal at all, its just something that a person must adjust to. I own a business in the oil and gas industry and while all of my hands have stayed busy, I know of other companies who had employees making 150k in 2015 and didnt make a dime in 2016. They made a good deal of money one year and then literally none the following year. I also know of some who will have a good couple of months and then a couple of months with no income. The ones who survive are the ones who save the extra money they made earlier to use in later times when they dont make anyas much. Again, it comes down to spendingsaving habits. 