Where's the money, Lebowski?
December 3, 2012 7:27 AM Subscribe
My husband and I have a bunch of money leftover at the end of each month after bills have come out, but we don't know where it is.
posted by ThaBombShelterSmith to Work & Money (57 answers total) 11 users marked this as a favorite
My husband and I have a joint checking account that both of our pays get deposited into each month. I get a paycheck every two weeks, he gets a paycheck on the 1st and the 15th, respectively. This has been wreaking havoc on our finances. We are using a budgeting software called You Need A Budget, and it's awesome, but we're still having trouble finding this extra money that we apparently have. We've inputed every single solitary thing into the budget software and into our joint checking account ledger; both the checkbook and the software say we have extra money. So where is it? Logic would dictate that it's in our joint checking account, but we can't seem to find it.
The bottom line is that we are paying for everything else (our newborn son, cars, mortgage, house bills, animals, dining out, etc.), but we have not paid ourselves. We are financially secure but we live like it's paycheck to paycheck, hand to mouth. Ideally I would like a measly $100 dollars from each paycheck that gets deposited into my personal checking account. This has not been happening since we started having our paychecks deposit into our joint. I currently have $12 dollars in my personal checking account. We haven't been depositing anything into our savings, which we need to be doing, regardless of whether we have a son.
My husband controls the finances (by control, I mean he balances the physical checkbook). I don't feel as though he's not giving either of us money out of spite or for malicious reasons, or that he has a secret double life - I assure you he doesn't - but I'm starting to resent our collective lack of money. It kills me because I know it's there. He and I are making more money than we've ever had as a couple and we have zero to show for it. We still live like broke grad students living paycheck to paycheck. Christmas shopping has become extremely hard. We talk about our money issues all the time and he will be reading this question and its responses, so let us have it.
TL; DR: We have extra money each month in our budget, yet we can't seem to pay ourselves. I don't want to pay any body to look at our checkbook because we can't even find the damn money to pay them with. :( Sorry if this rambles a bit.