Top 10 Financial Signs That Your Spouse is Cheating
1. UNEXPLAINED ATM TRANSACTIONS. When you suddenly discover a series or a pattern of unexplained withdrawals or other transactions at bank ATM machines, or when the ATMs being used are at unusual locations, or are being tapped at unusual times of day.
2. PROTECTIVE OF WALLET, CREDIT CARDS, ETC. When your spouse becomes suddenly protective or secretive about his wallet, his credit cards, his briefcase, her purse, his/her financial records, or any other place where he or she keeps financial information.
3. NEW BANK ACCOUNTS. When your spouse opens a new bank account and fails to tell you about it.
4. RECENT PASSWORD CHANGES. When your spouse has changed the password to one or more online bank accounts, limiting or preventing your access to accounts where joint access had previously been allowed.
5. MORE RECEIPTS, FEWER RECEIPTS. When your spouse suddenly has more receipts for “business expenses” or fewer receipts. More receipts may reflect the obvious; fewer receipts than usual may indicate that your spouse has begun covering up an affair by paying in cash, and is steering clear of credit card usage altogether.
6. PURCHASES THAT NEVER MATERIALIZE. When bank statements, credit card bills, and receipts show that your spouse made a purchase of some sort, but the item purchased never materializes (that is, it never arrives at your home).
7. INCREASE IN SOLICITATIONS. If you suddenly begin receiving an influx of credit card offers and solicitations from banks and other financial institutions, your spouse may have recently opened an account at another bank, or applied for credit on line, or made a purchase using a credit account unknown to you.
8. NO PAYCHECK CHANGES. When your spouse claims to be working longer and longer hours and yet he or she is unable to show any meaningful increase in his/her earnings from week to week. Or, when the paystub does not even reflect that the overtime hours were reported.
9. SENSITIVE ABOUT HOUSEHOLD EXPENSES. When your spouse becomes unusually or suddenly concerned about household expenses for day-to-day upkeep, food, maintenance and other carrying charges, or when he or she suddenly wants to become more involved in controlling such expenses.
10. CONVERSION TO CASH. The extent to which your spouse begins conducting business in cash, after previously paying by check or credit card, or via online payments, is another telltale sign of potential misconduct. Frequent bank withdrawals in cash, cashing paychecks instead of depositing them, asking business clients to “sign over” payments and cashing them at other banks or asking for payments in cash instead — these are all signs of a spouse attempting to generate a “cash flow” without a paper trail.