That, and Mrs. Farmer spends on things she doesn't need to. But hey, it's not my money.
if your husband had hundreds of dollars of fun money every month to spend on whatever, wouldn't you think that you should also get that much money? honestly, her spending "issue" is just a small fix, the bigger issue is the division of money in their house.
That, and Mrs. Farmer spends on things she doesn't need to. But hey, it's not my money.
if your husband had hundreds of dollars of fun money every month to spend on whatever, wouldn't you think that you should also get that much money? honestly, her spending "issue" is just a small fix, the bigger issue is the division of money in their house.
Of course. Hasn't that been the topic of discussion for quite a few threads on here already? Hopefully it will change.
DH and I each get $30/wk. What's really sad is half the time our toddler needs something and 'my fun money' ends up going to these things. We don't have room in our budget to separate for clothes/shoes, my hair cuts, etc. right now because our e-fund is so empty. So when I do have extra I'm usually stocking it away for a few weeks to build up to something I know is coming up.
This week, I'm proud to announce we are getting to a wine/pizza fundraiser for a date night!!!
Life was a lot more fun before daycare, $6k in car repairs and DH's 6mos out of work
People who spend less than $25 fun money a week are no fun.
Not everyone can afford $100+ a month.
I have plenty of fun each week and my weekly limit is $30.
ETA - It seems like OP's issue is a combo of buying unnecessary items and a douche H. But if you (OP) can afford it and not going into debt to buy "house bras" then I don't see the problem. Shop away my friend.
I work from home so I probably don't spend $25 in fun $ for 2 weeks. When I worked in an office, it was very easy to spend $25 a week. I got daily coffee and I went out for lunch 1 day a week. My old job had an awesome cafeteria, so I easily could of spent more a week.
Post by Roc A Bee on Sept 27, 2012 20:42:35 GMT -5
He doesn't spend any money on the baby? I would think necessities like diapers, food, and a reasonable amount of clothes/ toys a month should be split. If you want to buy more, set a limit like $75/month on cute but unnecessary baby stuff?
Carrots - H and I have a hard time compromising on finances. We have kept things separate and he wants to keep it that way. His solution to my budget concerns before was to pay some things off and take over responsibility for the biggest bill (PITI) rather than join accounts. He says I'm financially irresponsible a lot, I kind of agree.
Unexpected expenses - we historically have used our separate money to pay for gifts/donations/etc if they are for our separate friends. He doesn't spend money on the baby bc he thinks baby has enough stuff. And thinks a $40 towel for a baby or a $14 musical book is a waste (yeah, in retrospect I know that).
Also, I do buy my son some used things but some things I buy new. He may be my only one so I feel like it's ok.
This is not fair. He should be paying for 1/2 of N's necessities too. (diapers, food, supplies, daycare, etc)
And don't feel bad about buying new, we do that too.
He doesn't spend any money on the baby? I would think necessities like diapers, food, and a reasonable amount of clothes/ toys a month should be split. If you want to buy more, set a limit like $75/month on cute but unnecessary baby stuff?
this. I'm sure your DS does have enough stuff, but you and your H should be able to come up with a reasonable budget amount for extras since your household isn't living paycheck to paycheck it makes sense that you'd want to spend some discretionary income on the baby. Come up with what that number is, otherwise I can only see this getting more difficult as DS gets older and you want to enroll him in classes and activities and H says they're unnecessary.
One tip that I read somewhere is to delete your credit card info from all the websites you like to shop from. Having to enter your information all the time gives you more time to really think about whether you need another sweater or pair of shoes or whatever. I've found this to be true.
this doesn't work if you have your cc # memorized and your fingers know how to type it automatically, including the expiration and security code. not that i speak from experience.
Post by macmars45 on Sept 27, 2012 21:45:33 GMT -5
When I hit my $50/month limit I stop spending on non necessities for the month. So I guess willpower is my secret?
H and I aren't rolling in the dough. We make enough to live and pay our bills with a 6 month e-fund. However we'd like to live in a bigger place and have kids sometime before we're both 30 years old. So we save. Or rather we don't spend.
Carrots - H and I have a hard time compromising on finances. We have kept things separate and he wants to keep it that way. His solution to my budget concerns before was to pay some things off and take over responsibility for the biggest bill (PITI) rather than join accounts. He says I'm financially irresponsible a lot, I kind of agree.
Unexpected expenses - we historically have used our separate money to pay for gifts/donations/etc if they are for our separate friends. He doesn't spend money on the baby bc he thinks baby has enough stuff. And thinks a $40 towel for a baby or a $14 musical book is a waste (yeah, in retrospect I know that).
Also, I do buy my son some used things but some things I buy new. He may be my only one so I feel like it's ok.
I only know bits of the backstory, but this seems reasonable. A lot of people don't have joint finances because they don't agree on how to spend discretionary income, and I don't see anything wrong with that as long as the bills and other necessary expenses are covered in proportion to income. Within reason, DH and I have also split friend gifts, donations, and other stuff like that into his vs hers money too. Whatever works.
I don't know if I missed it - are you just wanting to only spend $25 for the next week, or $25 a week for the forseeable future?
It sounds like a good idea to cut back, since you're recognized you're spending more money than you want to/need to and there is plenty of space to cut. But maybe you just need to set a budget you can stick to - so if you spent 1k on misc stuff last month, maybe cut back to $500 for the month or $150 a week or something where you don't feel so deprived. I don't see any reason to go "all or nothing" here, especially if there IS other money in your household that can make things less tight.
Yep Also finding that more & more traditional retail sites take PayPal.
I impulse purchased a tote I've been lusting after for months last night. It was only available at Dillard's, and it sold out. I couldn't sleep at 1am, so I apparently decided it was a great time to grab my phone & buy it in eBay. Whoops
When I hit my $50/month limit I stop spending on non necessities for the month. So I guess willpower is my secret?
H and I aren't rolling in the dough. We make enough to live and pay our bills with a 6 month e-fund. However we'd like to live in a bigger place and have kids sometime before we're both 30 years old. So we save. Or rather we don't spend.
This is us, but our monthly amount is usually about $150 each. Just depends on where we are with our monthly savings. But most of the time I choose not to buy things because my mind constantly goes to where that money could be going.
Chipotle sounds really good today! Hmmm, that's like $8. Eh, it's not that much. Then again, it could go into our savings account instead. Or I could use it to buy those new work shoes I've been wanting.
Generally, by the time I've put myself through this insanity I've gotten home from my errands, heated up some black beans and covered them in cheese and salsa. Satisfying enough.
I definitely agree with others that asking yourself about the necessity of an item before pulling out the credit card is very helpful. I also think cash is huge. Never underestimate your own willpower when using actual paper money.
Farmer, do you and your H make similar amounts or share the bills proportionally to your income? Because I don't understand how it is that he has so much money than you to live it up AND save a lot and yet you are worrying about buying a daily coffee or lunch.
If it is the case that he really does make a ton more than you, then he needs to take over more of the shared bill paying so that you're not in this position all the time.
mrssavy I didn't mean to make those on tighter budgets feel bad, I really apologize for the turn that took.
I just wish I could save more. I'm not saving much right now. I feel like unexpected expenses come up that I didn't really think about, and there weren't enough funds in savings categories for things like wedding, death and birthday gifts.
H saves a lot and I guess I'm just not used to being on this reduced income.
Anyway, I spent $6.43 today of my $25 bc my cw'ers went to lunch. I brought mine, but forgot my mixing bowl so I couldn't bring it to the food court.
Oh also, I bought the Insanity dvds bc I needed a push to lose weight and the gym, although very helpful, wasn't doing it for me. Me overweight = depressed so I don't spare much expense in the fitness category.
I know that's not what you meant. I think you've gotten some great advice on here. Ultimately, you do need to reign back your spending, but the bigger issue is the sharing of expenses with DH. I hope things get better.