Help me save money without killing my husband.
July 26, 2006 3:11 PM Subscribe
What's the best way to save money when you have a financially irresponsible spouse?
posted by anonymous to Work & Money (42 answers total) 10 users marked this as a favorite
We've been married 3 years. I knew before I married him that he wasn't good with money, but I overestimated my ability to keep his spending in check.
We don't have kids, we rent, and we have a 12 year old car that's on the verge of collapse. After two years of trying to run our own business, he's gotten a good job with the state, which will make us a two-income family for the first time since we got married.
The problem is, it seems the more money we have, the more our spending increases. I struggle to keep to a budget, but to him, a debit or credit card is like free money and he'll slap it down for whatever strikes his fancy at that moment. I always end up being the bad guy.
If we budget correctly, we could be saving $400-$1000 a month. How do I manage this? I'm thinking of just opening a personal savings account of my own and transferring the extra money there so he won't have ready access to it, but I feel bad about it. Is there a better way to handle this? In all other aspects he's a good person and I love him, but I'm afraid that if I don't have a well-thought out plan we'll never be able to buy a house, etc.