[OT][Wife] My wife is going to kill me...

I have a real problem curbing my spending as well. I'm an impulse buyer big time, and in my younger days ended up charging thousands on credit cards for stuff I didn't need.

Bought a $100 pair of headphones for Sears on my Sears card because I could...

Best advice I can give is work up a budget and stick to it. It's not easy, but it beats facing the wrath of an angry spouse :)
 

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Grapeshot said:
Anyone know of any good links on saving money? We're only 23 and have been married a year but we blow money all the time. Seriously it is not unlikely for me to spend 90 bucks on drinks at a bar every weekend.

I know the obvious, "Don't go to the bar!" or "Save your money" suggestions but I need some real tips and information.

She isn't really going to be mad I was just kind of feeling guilty because she isn't good with money either but she tries and since I know I can get away with this sort of stuff, I do.

Actually, if we did end up setting up a budget. I'd be down with 2 12 packs of beer a week, + food, + gas. I really have no other expenses.

Open a savings account. put money into it everytime you get paid. Think of it as a tithe. Never take it back. let it go, forget you have it, just that you have to tithe every time you get paid.

In the long run, it'll help.

If you are really having problems with funds. Look at all the luxuries and see if you could cut down on them.
 

Ahhh...I remember that age. My husband and I used to drop $200 a month on comic books alone. you know what made us 'grow up' and learn what should come first? Having a 'surprise'. When you have a child, it sobers you up. At least it did for us.

Still, I have trouble saying no to my husband but since we've chopped some more credit cards up and are serious about fixing the family home, I find we ahve less to worry about.

Nothing's wrong with treating yourself and I think that should be in the budget, if budgets work for you. All my budgets got blown out of the water by unforeseen expenses such as some numb nuts thinking it's cool to slash a '66 Mustang's ragtop.

One more phrase for ya... Will Power. Having the phone cut off because you forgot about the phone bill is no fun, believe me.
 


diaglo said:
don't set your wife up as a bad person.

except the responsibility of your own actions.


pogre said:
Spending $ without consulting your better half can be a cause of longterm friction and resentment. Take it from a divorce attorney who did a 104 divorces in three years - money was a major factor in 80% of those actions. Not one of those people planned on getting divorce. $ problems just add unneeded stress to the relationship. Knock it off - please :)

Re-read. These two posts are related.

_Any_ time you are acting in conflict with your spouse, there is a problem. You guys are a team. Period. Act like it and solve your issues together or be very prepared to lose that team. Maybe permanently.

That applies to money, kids, who your friends are, and a lot of other things.

List your priorities. On paper. Have your wife do the same. Then do it as a team. Be honest. If you don't agree, that's okay. Just be respectful. Maybe you'll grow together. Regardless, if you're a high enough priority on each others' list, you'll behave appropriately.

Once you've got your list(s), act like it. You might have to consciously step back every now and then and rate the impact on something (like a purchase) on your priorities, but it gets easier.

Now, what your wife wants to see (and should, IMHO, or you weren't ready for marriage) is that see rates pretty high on that list (that's an understatement). I'd expect you want to see the same on her list.

Every time you do something that causes her pain or frustration, like buying a book you can't afford, you tell her in no uncertain terms that she (her feelings of security, at the least) are less important than whatever that action relates to. In this case, you're telling her that gaming is more important than she is just as clearly as if you'd said those words straight out.

That doesn't mean you're a bad person or even a bad husband. It means you've got some bad habits (in this case spending). The test is whether you can break those habits, and that is going to take maturity and willpower. IMHO, willpower is just a codeword for having a goal that is strong enough to move you through some pain. In this case, that pain is the want for more gaming stuff. I'd recommend you have as a goal telling your wife that you love her by actions, not just words.

Try this: set aside $60 (or more) out of your next paycheck. If you use Quicken, hide it, otherwise, just ignore it. Over the next month, pay all your bills, etc. but don't use a credit card for anything. When the month is up, take that $60 and take your wife out to dinner, or buy her flowers, or take her to a movie, or buy her a new sweater, or some such (you know your wife better than I do). Then, whatever is left over, you get to spend on gaming.

Advanced course: _Tell_ your wife what you're doing. Have her pick out what the reward is. Help her to understand (as you should) that this is not a reward to her for you doing something right. The reward is for you and is that you get to make her feel good, and in turn get a little something for doing so. Once she's picked the activity/purchase, talk with her about it regularly (everyday would be good). Feed off her excitement. Besides, involving your wife in your goals is _always_ a good idea. It's kinda the point of being married.

Trust me, she'll leave you enough money afterwards to get something worthwhile. If she doesn't, then accept that it is because you've inflicted a lot more pain on her than you realize -- try again the next month. But, I certainly hope that you haven't taken that much shine off the marriage after only one year.
 

Set up a monthly budget ASAP!
There are lots of books on how to do this easily and quickly. It sounds like you *really* need to do a budget and fast!

Don't forget the number one reason for divorce is money related problems. :(

~D
 

*Gets out the podium and soap box, then stands on the box behind the podium.*

[Sorry - since we have a ban on religion, quoting extensive scripture (even appropriate to the subject) is inappropriate. ~ Piratecat]

*Quickly gets off the soap box and leaves before being pelted with stones!*
 
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We were budget-less for all of three months when we were first married. That didn't last long, although it was fun.

Problem is, we spent more money than we had too. Know what it did? Put us in a rental townhome for three years longer than we would have liked, and we still struggled to get into the house we wanted at a monthly payment we could afford. Now don't get me wrong; I'm not ultra tight with my money, and I do fairly well, but I sure wish I had been more careful before I had the job I do now.
 

Ahhh...I remember that age. My husband and I used to drop $200 a month on comic books alone. you know what made us 'grow up' and learn what should come first? Having a 'surprise'. When you have a child, it sobers you up. At least it did for us.

Still, I have trouble saying no to my husband but since we've chopped some more credit cards up and are serious about fixing the family home, I find we ahve less to worry about.

Nothing's wrong with treating yourself and I think that should be in the budget, if budgets work for you. All my budgets got blown out of the water by unforeseen expenses such as some numb nuts thinking it's cool to slash a '66 Mustang's ragtop.

One more phrase for ya... Will Power. Having the phone cut off because you forgot about the phone bill is no fun, believe me.
 

this is madness!

but as mad as it is i see it all too often. what is it with 'adults' not being able to control their own spending to the point in which they are neglecting actual debts like rent, insurance, etc?

i have been married for almost five years. my wife and i have shared an account for over six years. and never have we been in such a situation.

you need to think about what is truly important. is it why lex luthor became evil on some stupid tv series or is it maintaining an equitable and respectful relationship with your wife?
 

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