Hi OP’s fiancé

tell her how you feel, be a man

Lol.

It sounds like this is the biggest sticking point for you. She apparently does not feel the same way as you do about Christmas. So tell her. Explain your feelings. Ask her if there's any way the trip can be 12/26-1/2 or whatever. Offer to pitch in if the flights are more expensive those days, if it really means that much to you.

As far as the CC debt, I agree with the more fiscally prudent people, but everyone is different. That's another long conversation about money and shared values etc, but that's a separate issue than the Christmas issue and should probably be tackled separately.

Then why make the OP?

Seems terribly odd to me for all of those factors to converge. I would be quite unhappy about it. Good for you if you aren't!

Racking up thousands in CC card before you get married is a huge red flag. And what the hell is an 8 year old going to do in Paris in December??

agreed. and since the fiance was just there it's basically spending a ton of money just for an 8 y/o to experience paris. wait until she is in her teens and then go.

This.

loooooooooool at taking an 8yo to Paris in December, skipping a 3-person family Xmas to do it while leaving the third wheel in the dust, and putting it on a credit card instead of saving up for it.


OP - why does fiancee think this is even remotely a good idea? If the answer is that she had a great time in Paris with you and wants to have a similar experience with her daughter, maybe try walking her thru just how different the experience will be?

also confirmed lol at thinking you aren't sharing finances when you already bought a house together, pay into daughter's college fund, and are planning on getting married. When she buys her ticket to Paris maybe you should consider buying a ticket to reality.

IF daughter were a teenager, and IF fiance hadn't just been to Paris, and IF she could afford to pay for it, and IF there were literally no other time of the year she could schedule it... then no, it's not odd. But that's a lot of ifs.

My wife is good at spending money. A quick 4-day trip to Disneyland this summer for the four of us cost me $12K, no airfare.

!!!!! How?

4 day park hopper $355 x 4 = $1420
Food $200 x 4 people x 4 days = $3200
Hotel $500/day x 4 days = $2000
Rental Car $125 x 4 days = $500
Travel w/no airfare = $500 (???)
Souvenirs = $500

Total: $8,120

I'm still almost $4000 short and went crazy with prices

im very curious as well

I never said our finances weren't shared. I simply stated that we keep separate accounts. We have separate checking and savings accounts along with retirement accounts. I'm fully aware that her financial irresponsibility would be detrimental to my own financial well being. Fwiw, she's never done anything like this before. In fact, I don't think she's ever carried any cc balance of any kind before. That might be part of it. I'm not sure she fully appreciates how hard it is to get out of cc debt once you start carrying a balance.

bruh this is an oot advice thread

my job is to berate you

your job is to ignore the consensus good advice you are repeatedly given and then never deliver on an update with what ended up happening

Point taken.

Lol what, completely standard to put everything on cards to rack up the rewards and then pay them off monthly. lol at using cash to book something like this.

In this particular situation she shouldn't be doing this since she doesn't have the money but if you have the means to pay off monthly not using a CC for big trips is just stupid.

Some people are misinterpreting here. From the beginning, "putting it on a CC" was used to mean putting it on a CC and racking up a balance and not being able to pay it off for a while. Most people understood that it did not mean paying with a CC and immediately paying off the CC that month.

Do you honestly think no one understands that?

Maybe they got a suite at the Grand Californian? Hotels on the grounds at Disneyland are crazy crazy expensive. With taxes and fees hotel could have easily been $1000/day or significantly more. If they really did it up that could be the whole difference right there.

Yes, he seems to think that preki doesn't understand that.

Champ, preki, and Check don't seem to be using the same definitions of "putting it on a CC".

Wonder if they'll be going to Disneyland Paris.

I just did a search on Disneyland's site and got up to $10k using just a 1-bedroom suite! If it was a 2 or 3-bedroom suite, it easily could have been $12k+! And that's just for hotel and tickets, no food, car, other travel, or souvenirs!

https://disneyland.disney.go.com/vacation-packages/

OP, the facts simply don't add up. Something is awry.

There's no good reason to take an 8-yr-old to Europe so she can be alone for Christmas when her family is in the US with money she doesn't have.

And if you don't believe me, MLYLT supporting this plan automatically tells you that it is not a good plan.

Confused about the CC issue. Is there another reasonable way to buy airplane tickets, hotel reservations and stuff like that?

I’m going to book our Christmas vacation to Europe in the next couple of days, pay with my CC and the bank is going to take that money out of my account at some point in early November when they settle my October balance. What’s wrong with that?

In this context, "She's going to pay for it with the CC" is shorthand for "She's going to pay for it with the CC, but can't afford it, and is expecting to pay it off in the next XYZ months".

madlex,

There's nothing wrong with that. What dalerobk is saying is that his fiancee wants to pay for the trip with a CC and keep a balance on the CC because she does not have money in the bank to pay for it. She thinks she might be able to pay off the balance on the CC over the next year.


ETA: My pony is running on a CC balance.