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If your that person, feel free to email me. One of the things that make a relationship and happy is being good stewards of your money. I follow the Ramsey financial philosophy and I have done well.
And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere sxe hubby is in school.
There are few job markets that are hiring right now but I do know the medical field is fairly solid right now.
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So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
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