We can barely pay our bills and we pay 40 cable tv, 50 for the internet, 60 on life insurance, and 60 on his cell phone. I asked him if he would even give up one thing and he says no. We don't need any of these.
Help! Thanks.
2007-02-21 03:17:39 · 12 answers · asked by tina*21 2 in Family & Relationships ➔ Marriage & Divorce
There's always a way around this. You can rent movies and DVD's for free from your local library, which also has free access to the internet, not to mention books! That's almost $100 there!! Maybe you can downgrade to basic cable as a start. Begin exercising and working out to pass the time. Go hiking and get out of the house. You'll be much happier.
Why is his cell phone $60 a month?? My husband do not have home phones- we have a family share plan with two phones and pay $69 a month through Verizon (500 shared minutes.) There's also Vonage- unlimited minutes and long distance- $25/month if you want a land-line.
Shop around for life insurance. That seems a bit much. Maybe cash in your existing policy and put it into a CD or high yield savings account, and open up a policy with a better rate.
Idealy, your monthly ratio should have 30% of your net income going to savings. What happens in case of an emergency? What about your retirement? If push came to shove he could live without all of these because he had to.m He's not just going to roll over and die. He simply does not *want* to. I would call to downgrade the cable to the cheapest plan they have. Make every Monday "Library Night" where you pick up movies and books, magazines, etc. for the week. Make a list of everything you wanted to look up on the internet and use your time wisely. You can always go back a couple times a week. After a while, he'll see that he's not missing out on much.
2007-02-21 04:05:18 · answer #1 · answered by punchy333 6 · 0⤊ 0⤋
How much life insurance do you have? Or, how old are you? That is a lot for life insurance premiums. I have 5 times my anual salary, and pay around $10 a month(through work). I just wonder why your life insurance is so high.
If I could choose, I would not have a cell phone at this point, but I have to have one for work. I don't have cable, except from the beginning of Sept. until the last bowl game is played for college football. Now, I do not have cable, and will turn it on again when college ball comes around later this year. Other than that, I don't really watch tv. So, if it were me, I would keep the internet going, and cut the cable. But, that is me.
I would check on the life insurance thing though, as that seems fairly high to me.
2007-02-21 11:27:44 · answer #2 · answered by ? 5 · 0⤊ 0⤋
You need to keep the life insurance, especially if his death arises from the situation. Just being realistic. In seriousness, he needs to be a man and grow up. He can live without cable and internet until you two are on your feet. I've been married for 2 1/2 years and the first year of our marriage was challenging due to car payments and insurance. But we lived somewhat frugally and made it through. Now, just after a year that way, we can do whatever we want and buy as many cable channels as we want. He needs to think about your future and stop being a baby.
2007-02-21 11:23:51 · answer #3 · answered by Shannon L - Gavin's Mommy 6 · 0⤊ 0⤋
I beg to differ. You absolutely need life insurance, though a $60 premium is a bit high. Shop around for a term policy that is less expensive.
The rest you can definitely do without, but the trick is convincing him. Check around and make an appointment for both of you to sit down with a financial planner and go over all your expenses. Sometimes it's easier for a man to get advice on budgets and what needs to be cut from a pro than from you. Good luck.
2007-02-21 11:24:46 · answer #4 · answered by SLWrites 5 · 0⤊ 0⤋
i say what, get ur Internet provider cheaper coz it shouldn't cost more then 20 quid, I'm paying 26 pounds for broadband Internet, phoneline and cable TV from NTL. can easily cut the phone contract to a lower tariff if hes not using all his minutes and texts and I'm sure if you look around on the Internet you can get a much cheaper life insurance, iv cut many costs like this. the extra pennies go a long way and help you fell less stress. husband and wife should be able to compromise on anything be it money or food. if he cant agree with you then there is something lacking in your relationship, mind me for being harsh but its a lack of respect from your husband. good luck
2007-02-21 11:29:15 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Keep the life insurance and tell him when he dies he can't take the cable, TV and cell phone with him. And to think of all those years of paying on it and they'll be left behind.
2007-02-21 11:27:21 · answer #6 · answered by Anonymous · 1⤊ 0⤋
You can live without the internet...but yet...who would you complaint to?
What about getting a J O B?
You do NEED life insurance, cable and cellphone. You can dicth the DSL for dial-up. You can both get cellphones on a family plan and ditch the house phone.
Good luck
2007-02-21 11:32:59 · answer #7 · answered by Blunt 7 · 0⤊ 1⤋
Why not try to get a cheaper rate on the cell and internet.i did, I called and told the provider that I really needed to cut back and was thinking about turning them off,you will be surprised.I have DSL for only 19.99---and my cell for 29.99.The insurance can be paid quarterly ask them how much of a discount it will be..Good luck....
2007-02-21 11:32:32 · answer #8 · answered by Maw-Maw 7 · 0⤊ 0⤋
You'll need the life insurance after you've nagged him to death.
Seriously, we can't help. are there other things that can be cut back? Does he make all the money? If so, he has a big right to spend it the way he sees fit.
2007-02-21 11:24:09 · answer #9 · answered by Anonymous · 0⤊ 0⤋
For sure keep the life insurance, one day you might reap the benefits..???
2007-02-21 11:22:30 · answer #10 · answered by Anonymous · 0⤊ 0⤋