he goes out and spends money on rediculous things such as rentals from Blockbuster and Junk food when really we can put that money to better use. What can I do?
2007-06-11 09:14:55 · 11 answers · asked by raemom05 2 in Family & Relationships ➔ Marriage & Divorce
Break down all of your bills for him on paper - who you owe, how much you owe - and how much you have left after paying the bills. Decide together how you want to spend that extra money left over. You must be on a pretty tight budget if you can't afford those things.
2007-06-11 09:29:39 · answer #1 · answered by pinniethewooh 6 · 0⤊ 1⤋
Make a strict budget...
Have (at least) 3 checking accounts:
Yours
His
Joint
+ 1 savings account
Put enough into the Joint account to cover bills and fun things you two do together (dinner out once a month, movies, etc)
Then put in a percentage from each paycheck you or he makes into the personal account (example: 5% from each paycheck). If you make more, so be it, if he does, fine. Then also make sure to feed the savings account (3-5% of the paychecks combine total amount before removing anything else) as well as putting money into retirement (can never start too early for that or too late).
This way, you'll have enough money for your household, your future AND some fun money that you can blow anyway you want. If your husband spends all of his account on rentals or junk food, its fine since that is HIS money and if you want a new pair of shoes, that's fine since it is YOUR money.
As long as you can stick with this, you won't have any trouble.
Good luck
2007-06-11 17:45:59 · answer #2 · answered by Answers4u 4 · 0⤊ 0⤋
As long as you have the money for your needs, there is nothing you can do about it. If this is what makes him happy, arguing will only cause resentment. Many times married couples have differences of opinion regarding how the money is spent. Some questions to ask yourself: Who is making the money (him, you, or both of you)? Who pays the bills and do you have enough money to do this? Do you ever do anything fun together? There are always differences of opinion because you have different priorities.
Everybody needs some money of their own that they don't have to account for every penny. I think this affects a person's self-esteem.
Maybe there are other things you could do as a couple that don't turn out to be "couch potato" things.
2007-06-11 16:28:12 · answer #3 · answered by Anonymous · 0⤊ 1⤋
Just make a budget. Have an envelope and put a little in each pay period, and tell him he can use it for junk and rentals and such, but when it's gone, it's gone.
2007-06-11 16:19:05 · answer #4 · answered by Yogi 6 · 2⤊ 0⤋
Ok...you need to set some money aside, in a savings that he doesn't have readily access too. Don't hide it from him, just tell him you are setting aside money for your house, car, retirement etc....something that will allow you to have money for an unplanned event (emergencies, car repairs, etc). You guys need to come up with a budget that allows him to spend a small portion on entertainment, paying bills and then having some left over to save....for example set aside 50.00-100.00 per month for entertainment, depending on your monthly income. Girl good luck
2007-06-11 16:22:25 · answer #5 · answered by Lil_MissVal 3 · 0⤊ 0⤋
If you work and you have direct deposit, have money directed to a savings account instead of all of it going into the checking account. Or put him on a budget of a certain dollar amount and when he spends it all that is it.
2007-06-12 02:49:22 · answer #6 · answered by Colleen G 3 · 0⤊ 0⤋
Have one checking account for bills and home and another acct for misc.
Let him spend from the Misc Acct. After dealing with a few over draft charges he will curb his spending.
2007-06-11 17:11:01 · answer #7 · answered by snack_daddy10 6 · 0⤊ 0⤋
If you have access to the money take some out every month and hide it away. If he sees there is less money to blow he might think twice before spending it.
2007-06-11 16:19:14 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Your going to have to get someone to talk to him . I know you have already tried ! It prob will go in one ear and out the other . Find someone you can trust and he respects and get a meeting set up . I think you will work it out . Otherwise you will never see the end of it . I know people just like him . Just dont take everything away from him you know !
2007-06-11 16:21:53 · answer #9 · answered by wishingstar5555 3 · 0⤊ 0⤋
You need to sit down with him and explaint he budget contraints that you are both under and that he needs to adhere to certain rules
2007-06-11 16:19:22 · answer #10 · answered by Experto Credo 7 · 1⤊ 0⤋