I have hesitated to post this, only because I don't like painting my husband in a negative light! He is a good husband and an awesome dad, and he has a ton of redeeming qualities. He is however my biggest adversary in my quest for financial wellness!
Often times when a family wants to make major financial changes for the better there is a spouse who is not as enthusiastic or willing to do so. Some say it is not possible to make the necessary changes with an unwilling spouse, I am here to prove them wrong!!! I am however not going to say its going to be easy!!!
My dear husband is spend thrift ie: A spendthrift (also called profligate) is someone who spends money prodigiously and who is extravagant and recklessly wasteful, often to a point where the spending climbs well beyond his or her means.
My husband is very likely to spend money at a convenience store, throw away things I have saved to reuse, complain greatly when I am given bags of clothes for the kids, very much wants to compare and be like the Jone's, wants the newest best item technology has to offer, LOVES to eat out and would everyday if he could!, hates to borrow anything!, when he gets money he must spend it! I could go on but I won't!
Now I will admit, I used to do a lot of these things as well and still have not perfected my frugality. My weakness was drive trough's. I also have a history of not following through on my budget and holding onto money for groceries and fun things and not paying the bills on time.
I am raising 6 children so i am so very busy all the time, so i will admit he has tripped over a few bags of clothes! lol!
My conclusion: I have to work extra hard to be an example of frugality, and show that it can work for us! I need to be consistent and keep going even through his complaining! We have made all our bills on time this month so far, I think I can keep it up long enough to make him see it is working!
Just say a few prayers for me!
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Do you and your husband have an allowance? I am responsible for the budget in my home. I budget everything, right down to the lotto tickets I know my hubby's going to buy every week. I give my husband a d and d card and say, "that's it, when it's gone it's gone". Not to put anything else on your plate. I kept a money journal. I did it for a month. Explained in the end how wasteful our spending was and showed that if we made a few concessions could afford a vacation in 6 months. It is hard to be the bad guy. But you know in the end if can't buckle down on the spending, cancel cable and tell the hubby that when spending is under control, then we can afford it again.
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