<prompt> Human: Ive been with my wife for 7 years. Prior to her. I had no real credit card debts. Since we got together I had a messy divorce to get through. Which brought mine up quite a bit. My wife GF at the time volunteered to pay all the bills so I could get my CC debts down. Well from time to time. Shed be short of a bill. Or short of money for food. And bang on my CC. Over the years Ive paid thousands and thousands off of my debts. But she either builds hers up and gets into difficulties or builds mine back up again because she cant pay certain bills. I feel like weve been going round in circles these last few years and it seems shes only happy spending money she doesnt have. How can I nip this in the bud and get us on the straight and narrow again.Assistant: Get all your CCs and cut them up. It looks like you guys are in a bad cycle and if you have access to CCs, you wont be able to get out of the cycle.Both of you sit down and talk about all your finances and come up with a budget plan to get rid of the debt while trying to save an emergency fund. If you both arent on the same page, it will never work.Human: Ive tried this before. She seems to have no value for money. Buy something one day. Give it away the next because shes decided she doesnt need it. Ill have a go again. I need to try find away for her to let me manage all the bills from her money. Make sure they are paid then give her whats left as her own money  <response>: No. You dont. You need to combine your finances and together pay the bills and pay down the credit card debt. They are both your bills and both your debts. By her paying your bills so you can pay down your debt, she is essentially already paying down your debt. Just combine finances. What you are doing doesnt make any sense. 