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This explains alot - Change step 1 to He and his fiancee need to admit they have a problem. They need to be in this together in all the steps or there will be relationship strains in future as well I guarantee it.

Qaz If he truly values the friendship, he should pay you back ASAP and being on a salary of over $150K, this should be easily achieved if he can learn to adapt to a more humble lifestyle and hold out on any of his current vices as I'm sure there maybe a few. I still don't understand why...

Quoted for truth. Here's an interesting story of poor spending habits:http://forumserver.twoplustwo.com/34/other-other-topics/does-earning-65k-per-year-mean-youre-poor-788923/

I don't think you're far off Skater, this is a common trend. There are alot of people with the capacity to earn big, spend big on expensive tastes and worry about it later cos they can earn "more than enough" to pay it back later. I used to be a victim of this and I see alot of people that are...

Qaz These are the Citibank options on balance transfers: Citi Clear Platinum - 0% interest first 6 months Citi Gold - 1.9% interest first 12 months Citi Silver - 2.9 % interest first 12 months Citi Gold - 3.9% interest for life of balance transferred Been down this road a while ago...