I can't seem to get it together, does anyone have any advice? Serious answers only please !!?

Question

I am 30 years old and I just can't seem to get it together
I am married and my husband is a very good provider however, i mess up alot of the money I really don't know where it goes I don't drink,smoke,or do drugs, I don't buy jewelry or go clothes shopping alot but it seems like there never any money left even when all the bills aren't paid. I've asked him to start handling the money but he refused to do so.
We are always in the red can anyone help, my life other wise is alright but this financial situation is really taking a toll on me.
If anyone one wants to asked additional questions you can e-mail at [e-mail]

Answer 1

Sit down and make a list of all of your monthly expenses (food, bills, etc.) Now subtract those expenses from your total take-home income. If you come up with a negative number, you need to cut back on some things, or find a better paying job. If you come up with a positive number, analyze what you have been doing with this surplus of money.

You are overspending on something.

Answer 2

You should create a budget and really stick to it be strong. Do a monthly budget do x amount of dollars for clothes this month or food. Over the next few months figure out how much you really spend on these types of things that are important like food and review your bills and see what your average monthly amount is. The thing you have to know is stick with it no matter what. And start a savings account and add money to that. Just stick with it. I am great at these kinds of things if you give me the information then I can help you set it up.

[e-mail]

Answer 3

this is your email addresses? Sorry but doesn't that tell you something. You probably don't budget right, you do what we call nickel and dime yourself to death. You buy a pop, than some McD's and then a water then by the end of the day you've spent ten bucks and tommorrrow you'll do the same. At the end of th week that adds. You need to budget for those things. Lunches, haircuts, etc. and give your self an amount of money each week to do these things off of (20-50) dollars depending on discretionary income and when it's out, it's out. Don't spend anymore until the next pay period comes around. It is hard but it is what you have to do

Answer 4

i had e the same problem and this is what i did. I made a list of my bills. then put them in order of the one that need to be payed first. like rent or house payment, food, power bill/heat bill, gas for cars to get and back from work, cloths, and so forth. make sure they are the ones that need to be payed to live life and be happy at the same time. that would be the start of your monthly buget. when you find out what it is then subtrack it from the money that come in to the house. when you find out that then you can see where you need to cut back on some things or you can add to it, like a phone bill, cable bill, and so forth. after a little while you can see that you will be in the green and be saving money at the same time you are getting you bills payed. but rember that you need to pay the bills that will keep a roof over your head, food on the table and the power to keep you warm. you get those down and you find you your self with the feeling that you have done some good for you and the house hold...so good luck at doing this..and this is for any one else that has the same probmle....

Answer 5

Every time you spend money, write it down. Go back over the list at the end of the day/week whatever and see what you have. Did you need all of that stuff? Was it necessary? Could you have lived without it? You probably do what most of us do, impulse buy. Try making yourself a budget and force yourself to stick to it. You can do it. If you see something you feel you really need walk away from it and think about it. You may change your mind about it later. Hope it works for you.

Answer 6

I'm assuming you have a written budget plan? if you dont, then you should make one, that way you can direct where your money goes, and when you have question about where the blink your money went, you can look at your planner and say "yea, ok that's where it went" Also, that helps you say "what was I thinking when I bought 'that' thing?" if something comes up you didn't really want to spend for.

Beware, though, with all this, you may just end up finding your lifestyle is greater than your income. Sometimes this cannot be helped, if you haven't got that great of job to begin with.

Answer 7

Try paying the bills first then go shopping with what is left over. My husband and I both get paid each week and I have worked up a budget showing the four paychecks and what bills we pay each week. It has worked out real well for us.

Answer 8

Am sorry but you do not have to drink, do drugs or smoke to be finacially irresponsible, so

Both you and your husband need to sit down with a budget maybe he's the bigger spender and you are paying all the bills. its a collective effort.
Also take some yoga classes to help relax and kick back, u might need that drink to calm down, and think clearly.

Answer 9

very easy solution. as soon as you spend any money, immedeately record it in a 'budget notebook' that you'll be maintaining from now no. at the end of the month you can analyse from this notebook on what areas you are spending more than you should. the final step, cut down your spending in the areas where you think you are spending frivolously.

Answer 10

My wife and I are in a very similar situation except we have a 15 month old daughter. I you want to email me I can tell you what we are trying for a while. Click on my profile it will you a link to my email.