Is Your Spouse Guilty of Financial Infidelity?

Take this quiz and find out

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Financial infidelity is one of the top reasons for divorce. Many couples lie about their financial habits so they can buy what they want without having to answer to someone when they get home. The stress of managing household finances can take a serious toll, and cause us to hide purchases and money. Take this quiz to see if your spouse might be cheating.

1) When tidying up the house, you often  find:

a.  Crumpled receipts in a pile on the desk.

b.  Items you’ve never seen before tucked away in the closet without any price tags.

c.  Neatly organized bank statements and receipts in a file folder.

2) When your spouse comes home from work, she:

a.  tells you about a great sale that she just couldn’t pass up.

b.  quickly rushes to another room to put mysterious packages away.

c.  checks the online household checking account and makes sure the check register matches.

3) When you ask how much your spouse spent on an item, he:

a. quotes a price above your agreed upon dollar limit and attempts to explain why it  was a reasonable purchase.

b.  gets defensive and dodges the question.

c.  tells you without hesitation.

4) When filing a joint tax return, your 1040 form shows:

a.  evidence of early withdrawals from CD’s.

b.  your spouse’s salary is significantly higher than he told you it was.

c.  no discrepancies.

5) When you pick up the mail, you notice:

a. an increase in the number of bills.

b. sudden mailings from a bank that neither of you (to your knowledge) do business with.

c.  nothing out of the ordinary.

Your Results:

Mostly A’s: The good news is your spouse is not being financially unfaithful. The bad news is your spouse is being financially irresponsible. If you don’t have one already, hire a financial planner to help you sort out the mess.

Mostly B’s: Your spouse is cheating on you financially. Confront him or her and get to the bottom of this problem before it continues to get out of control.

Mostly C’s: You have nothing to worry about. Your spouse is financially faithful and responsible with money.

Sheiresa Ngo is the consumer affairs editor at Black Enterprise.

Read more on figuring out your finances with your partner or spouse:

  • Calvin J. Adolph

    At a time when we tend to give too much information over the internet, I wish my problem was as simple as your quiz. However, in an effort to help the next person avoid this same pitfall I am offering myself as an example. I have been married for almost ten years and am contemplating getting a divorce. This is my second marriage and I had hoped to make a better go of it this time. There were several red flags that warned me that I should have avoided proceeding at all costs. During the engagement, I asked my fiancee to bring a copy of her credit report so that we would become aware of what each of us brought into this relationship. She promptly refused, citing that the information was personal. I tried to explain to her that the debt of one person becomes the debt of all during a marriage, but she brushed me off. Her idea of paying off debt was to pay the minimal balance on an account. She also allowed her best friend to use a credit card while they were in college that has yet to be paid off. I suggested that we open a joint account from which we would pay all of the household bills, but she never placed anything into the account and it was later closed. I had previously informed her that I owed several thousand for not participating in an IRS audit. So, from the beginning of the marriage she carried on as if she was still single (she used her maiden name, kept a separate checking and savings account, and listed herself as single on most forms). When we had our son, she filed as head of household on income tax returns so that she could earn the maximum earned income tax credit. When the income tax refund came in, I was never aware of it or had access to it. This has resulted in my paycheck now being garnished for failure to file past returns. Her only questions when I mentioned this to her was to ask what filing status I would use and if I would mention her. Everything is in her name, so I have only helped to improve her credit. Thankfully, I live in a common law state so I’m not worried about losing any community property as a result of an impending divorce. We both have returned to college, though I have been paying out of my own pocket and she had received a federal grant. Because I have to file (married, filing separately), I am not entitled to a credit for tuition and fees. I have tried to persevere, both for my son and to not become a statistic, but I feel that it would be better for both of us is we no longer were married.

  • Williams

    I attempted to purchase a car from well know auto dealer. Start contract last month signed all paperwork and drove car home same night. I attempted to return car 3 days later. I spoke to the sales person next day about car problems like finding dealership business cards in rear windows holding them up and once removed window stayed down and front window have a crack in it only after I called sales person on this issue then he pointed out that repairs were already scheduled on car to fix these problems. I attempted to let he know I was no longer interest in purchasing this car due to the undisclosed problems. Dealer finance department manager stated dealer has already received payment from bank stated on contract. After calling bank dealer services department numerous times no loan record of payment or a loan under my name. There were 3 additional banks with loan request for said dealer only one was approved and expires in a week and other two were declined. Car in question was only driven twice to and from dealer. Tonight I went to pickup car from dealer and they ask me to sign another contract when I told them no then they asked for $2000 balance due on down payment for car. I refused to pay if financing bank is unknown to me they can take back car after they lied about getting the loan approved already and I will be out $3000. I even spend $1000 on auto insurance for car.

    What rights do I have as consumer? Can a dealer take my deposit and delay me with financing information for me to pay down loan.

    What do you suggest I do at this point.

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