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Do whatever makes you at ease, or happier. In my opinion, what's the point of telling her? Are you set on marrying this woman and are you 100% certain that she's the mother of your kids? If so, then yeah discuss it with her. However if you two are only dating and looking for a "serious relationship", then telling her might not be the best choice. Does she really need to know when you're only dating that you have debt? Put that aside-- it's important but I feel that unless both of you are getting engaged and everything then the financial stuff is important.
In the long term if I were you, I'd just brush it off. Avoid the question. It's really none of her business--for now. Like, what kind of girl asks if you have debt or not? It's a question that no one asks and shouldn't ask unless they're really really close to you like a family member, or a best best friend where you just talk about your bills or stuff.
Honestly though those are my opinions and I think you should do whatever you want to make that little 'bug' go away. If you feel uncomfortable about 'lying' (not lying if you avoid the question), then tell her the truth. But she's totally going to judge you if you have debt or not.
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