How do you get your spouse to be responsible with money? We have separate accounts and I get part of his paycheck, because he makes more than I do, and the agreement was for me to manage home expenses. I feel we encounter the same issue every month, where I pay most of the Bills and still i'll have to give him money for his own expenses/bills/loans. Often times leaving me empty handed. I dont mind doing this but I can't help but wonder what does he do all month with his money? I sacrifice and plan in order to avoid debt and I feel he just wastes his money. Now with baby on the way and thinking about being a SAHM after, I'm afraid we will not make ends meet.
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When we first did any sort of combined finances we both kept separate accounts that our paychecks went into and then we had a joint account where all of our bills were paid out of. We each contributed a set amount to the joint account. The joint account had a budget attached to a It for bills, groceries, gas as well as savings and then what was in our individual accounts was for us to spend as we pleased as fun money. My husband always contributed more to the joint account because he makes more than me.
@bigmama18 @expectinggreatness having a join account makes me so nervous. Having to pay at a store or a bill and getting the 'there's no available funds' 😶 I tried to convince him to use an app but he's too much of a conspiracy theorist. I get tired of nagging him and keeping him in check but it seems to work. Just makes me feel like I'm his mom or something ugh
Maybe try joint account and create a budget together . You can even predetermine a weekly allowance amount or fast food amount etc..My husband and I use an app called YNAB (you need a budget ) .it allows you to enter all of your expenses and your income and you can project how much money you will have saved each month if you stick to the plan. Maybe seeing that will help inspire him to make better decisions with money and sometimes without having a plan you can spend more carelessly. My husband is more of a budgeter than I am but seeing him use the app helped inspired me to do better because I saw how much money was being wasted. We have separate accounts but it’s because he does not want to see the money I spend LOL ...we both work
Why don’t you get a joint account so you can monitor the money and pin point where the money is being spent so you can budget together.
My mans the more responsible one when it comes to money . I can be responsible with it but I like to shop if I know I have the money to do so when I go to the stores
@kendrab its funny because we spent a whole weekend breaking down his expenses and made a whole plan (wrote it in a freaking white board in the kitchen) and is like it never happen 😤 it just frustrates me
My bf had alot of issues of spending his money wrecklessly, gambling, pointless eating out alot, just the useless stuff, so i took how much he makes from his paycheck, and for 3 months we wrote where his money was going, and it really changed his views on his money wasting habbits, not saying your man will do the same, but just a suggestion made my man cut out gambling and alot of take out when he saw how much he was loosing on it!
@jrhynard25 got it. 👌 that's smart. I'll suggest that. Thanks