I have talked and talked and talked to DF and he just doesn't understand what the big deal is. I can budget much better if I pay all of the bills on the CC and just have that balance to pay back. It makes it easier, because everything comes at a different time. Rent is a Wednesday, health fund is every second Monday, my pay is every second Monday, DF gets paid Tuesday nights, engagement ring payment is the 10th of every month, electricity isn't for another 8 weeks, internet is around about the 14th of the month and phone is around about the 16th. Its all over the place, making finances so hard to keep on top of.

FIL said that he will loan us money when needed and we will pay him back. He proposed we set up a regular savings and also send him a small amount each pay to accumulate and we use that when we're desperate. But I tallied up all of our finances and it would be worse to do that, as we don't have much room to move. Having a credit card means we're able to use that money then and there if we're desperate, rather than waiting a few days for a bank transfer.

I emailed FIL about it all (talked to him this morning too) and I'm sure he will figure out what is best. DF and I both failed to qualify for a CC, but together our finances cover it. So FIL would get one in his name and I will get the secondary card to pay the bills. I am not treating it as free money though, as almost all of our wages would go onto the CC to balance out the bill payments. Currently, when we don't have enough finances to cover a direct debit, we get overdraft fees with our banks. That is much worse than paying interest on a credit card. Mine is $30 a day when I'm in the red. I have already paid three overdraft fees in the last few weeks, and its really upsetting me.