8 years ago
I want to hear from all of you, your thoughts on lists. I am talking, let's put all this down on paper, work to pay each of them off at a time and look at the big picture kind of lists. I'll admit, my husband and I have never "planned" and it's to the point that I am tired of living like we are teenagers. Oh, don't get me wrong, I have tried to plan, but it's VERY difficult to plan one sided. So now, I am working out a two year plan. A plan that includes getting everything off our plates that went sour when we both lost our jobs last year, a plan that includes new furniture, a tv and so on. Eventually we want to sell our house and move to a home that fits us a little better than this one does. But again, this is 2 years away due to our mortgage still having 2 years to go and now our credit is teetering on the brink.
So I want to know how you all do it? How do you plan? How do I get my husband on board to working to pay off our debt and THEN having money for pleasure items? My DH seems to think that it's ok to purchase big ticket items for himself when he has the money because he's not interested in working just to pay off bills. How do I get him on board? Ladies??
Personally I want out of the credit crunch and on to bigger and better. But I married a spender, not a saver. *sigh*
Category:
financial planning,
lists,
money
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1 Response
Im only gonna comment on what works for our family...
First off, Our money is Our money. Not his, not mine. It was before we decided to get married and have a child. I admit before marriage, I was a spender and I deemed what I spent MY money on. But when we got married we became a unit, a team if you will.
You have to think as a family first. I would not think of purchasing a high priced item without consulting hubby & vice versa. The bills are always paid off before we decide on a 'wanted' item. No one can contiune to act like a "teenager" when they become a family. You make a commitment to your family to always do best by them...so always think of that when spending money on useless items. Money can be a huge problem in a marriage & debt goes right along with it...as does divorce.
If a person loves thier family, then nothing else comes first.
How to get him onboard? Honestly, he has to do it himself. He has to want to be the best family man he can be... He must know by now what its like to struggle...so he has to ask himself why he contiunes to do what he does?...
Go to a financal planner...yes, it may sound boring, but its so worth the pay off. Its good to sit down with a third-party & see exactly where you stand finanically. I didnt know any of this till I married..and Im so glad I have the know how now. Its quite a differnt picture when you actually see ALL those numbers on paper telling you where all your money has been going...and what junk it was wasted on!....
Im no expert, but i can say we are debt free... except for good debt, like our home. Saving just $100/month that is taken directly outta the paycheck helps... thats $1200 bonus every year (more if you invest!) to buy that TV, furniture ect...and be able to pay it off in full! The longer you wait to purchase an item you really want.. the more you will take pride in it cause you will know exactly what it took to get them.
Instant gratification is rarely a good thing ;)