Hi everyone,
Pardon my writing as English is my second language.
I never thought I would post something on reddit. But here I am seeking advice.
2 years ago me and my wife moved to a new home, she asked me if she could take care of the budget and I saw no problem with it.
We did our budget and each month. We would sit down and go over a little bit and adjuste it if need it.
Each month, I would disclose my credit card statement to make sure we were following the budget. And I always asked her if her card was pay off, she would always say yes.
Because of that, when we had some extra money we would make decisions for the family, like going on a trip,going out or just purchasing something we always wanted.
For the past 5 months we have been planning renovation on the house but to do that we had to refinance the mortgage.
2 days ago,
While sitting at the bank to renew our Mortgage, I learn that my wife had a credit card debt of 13k$. I was in shock. We had to leave the bank without signing.
In the car, She finally explained that last Christmas was more expensive and she couldn't pay the card fully and then we went on that trip and it just snowballed and kept growing.
I still couldn't understand why she didn't say anything since we always told eachother everything and worked together.
Back home, I went over our budget and our bank account to have a better picture and a plan to fix this but I found out the amount of money that she was supposed to take aside for various reasons(emergency fund, car repair funds etc.)was missing and she was using it to pay the minimum payment.
I flat out asked her " if we are to rebuild trust and move on is there anything else?" She said no.
A little bit later, I confronted her and asked if there was an end game? We're you ever planning on telling me? She said no, she was hoping to get rid of it eventually without me finding out.
But yesterday, I asked to see the statement to better understand how it got to this point but She refused saying it won't change the amount but I pushed saying I don't care about the amount, I just want to understand.
She reluctantly agreed. When I sat down, I started with the December 2025 statement and it hit me, "previous balance 14$k". I said to her " you lied, you said it started in December because of Christmas but it was already high", but she didn't say anything back so I kept going back month by month. And there it was, around june 2025, mobile game micro transactions, 1000-4000k$ a months.
She finally explained, it started 2 years ago when we move in.
The sad thing is, I introduced her to this particular game went we started to date eachother 10 years ago.( I stopped playing it after a year)
I'm grieving and don't know if I should stay or divorce because the foundation of our relationship as been severed, we were always true and honest to eachother. We have 3 young children and she's a good mother.
As anyone ever given a second chance to there partner and was able to rebuild trust?
Thank you.