Ask:
DH asked again for a new laptop. He has even though to finance it at an apr of 22%
We went over where all our money goes and came up with a briliant idea, DH is going to take over Finances. See if there is anywhere we could be saving money that we don't already. Has anyone else tried this? How did it work for you?
Answer:
We did this, in reverse. My husband used to be in charge of budgeting and everything, but he got so tired of me spending money without even thinking to save it, that he had me take over. Taking over played a big part in me finally feeling inspired to do something with our money.
As for the budget, a fresh perspective can really work wonders! My husband is very smart but never thought we could do much more than max out the IRA and keep a modest emergency fund. With a few tweaks by me , we will have paid off 12k in a 6 month time period (next month that will be complete-- YAY!!) and within the next two years will have saved up a substantial amount (in addition to our emergency fund and our IRA's.) We wouldn't have done this if he was still in charge of the budget.
Answer:
We switched years ago..I was tired of being under his thumb and him telling me we couldn't do this and that when I knew we had the $. And he of what he thought was my spending...My spending has gone way down (I've never really been a "shopper" like we always hear about), but it all goes out to bills!. Now HE hates to hear me say we can't do stuff. He keeps saying, "I bring in x dollars, and we blow thru it." I have him look at the bank account to see where it goes, and he'd rather stew or blow. Last night he was asking how much we had left of his bonus - we'd paid off some large debts we'd agreed to do. He was mad because I hadn't "set aside" other money to do some things on the house we need to do...Ummm..I can't set aside what I don't have. SO, I once again tried to get him to look at the bank account to see EXACTLY where the money went - he likes to blame my "spending", but the bank account shows differently. Once again, he chose to put his head in the sand and would rather just biotch about it and blame me. It's frustrating. I just feel if he doesn't want to participate, he should keep his mouth shut. It's all an open book. And he can have control of it. I don't stop him from buying things; the real numbers do..0