Right, it was her friend suggesting it, but this "friend" has been like poison to our marriage. All other family and friends are 100% for us. This "friend" wants my W to leave and "take care" of her, like a big sister/mother. My w didn't at first think it was controlling, but this friend has a lot of influence on my w. Oh, since w likes that I take care of all the finaces, investing, bill paying, I suggested or asked to use the debit card so we would pay as you go. It makes more sense and w can and does use a credit card at times. I have never argued or fought over it. BTW, this "friend" has a couple of credit cards that are in her mothers name. She has maxed them both out, so why is my wife taking financial advise from her?