I don’t know about you, but there are months that I find it really hard to stick to the budget. And once that happens, you end up using the emergency credit card—just this one time, you tell yourself—and then are in the hole next month because now you have to pay off said credit card. Is it just me? It feels like we’re on a spiral lately.
So bad, in fact, that my husband who allowed me ninety-nine percent management of our finances has gotten involved. Now, don’t get me wrong: I am not completely awful at this. I have improved our credit scores greatly. However, I think like most people I don’t always watch where our money is going. Once J told me he wanted to help me with the finances I began to spend more freely. I’m not sure why, entirely. I thought that if he was “watching” it then it was under control. I think it goes the same with him when I am keeping track of it. We both want to do better, we know what we need to do, it just seems hard to put into practice.
We do have a game plan: it’s called a budget. Our biggest problem is impulse spending. I am especially bad about this when I am upset. Recently I experienced my second miscarriage in seven months, and our plan went out the window. I bought new clothes (on clearance, but still, we couldn’t afford them) and cooked expensive dinners every night that week despite the leftovers in the fridge. It wasn’t until I began tallying up our expenses for the month that I realized how out of hand it had gotten.
So, the first thing you have to do if you want to get your finances under control is to figure out where the money is going, and where you can tighten up. Secondly, make a budget. Since my husband and I cannot just have no money, I am allotting each of us a seventy-five dollar monthly allowance. This is for things like my Starbucks or his Monster energy drinks. Maybe it seems a bit juvenile, but we’re really hoping it will help us get things cleared up—mainly, get those credit cards paid off!
The third thing to remember is that it is so important for both you and your partner to be a united front where your money is concerned!