Post # 1
Ladies and gentlemen, I need some advice. I’m happily married to the man of my dreams, and I love being married to him. We’re very in love and very happy together. We have a really nice apartment, two cars, both have jobs (though we don’t make much), and have all the material things we need. We have no new clothes, sure, but we have everything we need and then some.
However, my husband really stresses about money. We’re both college students, and we only make $10 an hour. We had to buy me a “new” car because I was having problems trying to learn to drive stick. The car was $1400, but we found out it has a serious problem that we’re going to have to pay to fix.
This has majorly stressed my dear husband out. The truth is, we do have expenses but we are okay on paying for them, and we’ll be okay even if we do have to pay a lot for the car. But we are pretty much living paycheck to paycheck, and he is ALWAYS stressed out about some expensive thing that we can afford, but it’ll be close. How do I get him to calm down? There’s not really any way we can make more money, and there aren’t really any expenses we can cut out (I’ve looked at the budget and actual spending and can’t find a way). Hopefully someday we won’t be living paycheck to paycheck in the future, but right now there’s really not a lot we can do.
What should I do to help him not stress?
Post # 3
How much college do you have left and what are your respective majors?
I know that when I was stressed about money, it was because I was spending too much on incidental things. I was not planning meals properly so I would spend too much on groceries and end up eating out anyway. I spent too much on random things that I hadn’t calculated into my budget. I would then become stressed when I had to pay bills. What I did to solve that was pay my bills every time I got paid. I paid them early, most of the time, and that helped. It meant that I did not have extra money to spend. The other thing that helped was getting a tutoring job. They pay very well. That’s why I asked what your majors were.
Post # 4
@peachacid: I have 2 semesters left in my psychology degree. He has 3-4 left in his degree in Teaching in the Social Sciences. I’ve looked into incidentals and everything, and we have a budget, and don’t eat out etc, so I’ve already gotten that far. It just doesn’t seem to be helping 🙁 We have a budget that we stick to which is about the bare minimum of what we can spend. We don’t have a problem paying the bills, but he just still worries! Tutoring at our college would be tough because we really don’t have extra time. We both work full time already. 🙁 It’s a good idea though! Thank you!
Post # 5
If you have no means of making additional income and can’t cut back any further than you already have, there’s not much that you can do besides just tell him that I will get better and hope that someday it actually does.
Post # 6
What does teaching in the social sciences get him? A certification to teach social studies? He should see what add-on certifications he can get in addition to that. Having a plan for how you will get more money in the future is helpful for calming nerves.
Are you taking classes over the summer? The summer is a good time to pick up a bit of extra income. You can also sell books and textbooks on Amazon.
Have you thought of looking for better-paying jobs?
Post # 7
Ask for a raise, or find a better job. I worked at mcdonalds since i was 15 up until second year, best decision of my life was when i quit and landed at job at a hospital that paid almost double!! I’m also in my last year of majoring in social science and honestly, my degree is just going to waste or it’s just going to be something i can put on my resume since there isn’t really much i can do with it and i’m hoping to land a full-time at the hospital.
Post # 8
@peachacid: He’s going to be a history teacher. It’s what he wants to do and we’re not going to change that. He’s minoring in Russian Teaching as well. I’m going to certifications in IT, so we’re confident in the future it won’t be so much of a stress, I just wish I could help now. 🙁 I am indeed taking a summer class, but I’m very nearly done with school anyways. There just isn’t a lot I can do with a bachelor’s in psychology, so it’s probably more school for me. We’ve looked for better jobs, but where we live it’s really really hard to find any jobs in the first place! I was jobless for 3 months last year and I applied EVERYWHERE. Even Walmart.
@kerpao: I guess that is probably the only way, huh? I can’t get a raise, I already tried that. 🙁 It’s hard to find a new job right now because of the above, and also I’m not yet done with school. But as soon as I graduate, you bet I’m going to try.
Post # 9
Part of what you’re going through is the pretty typical college broke-ness. I remember the days when I felt like I’d won the lottery when I found $20 in a coat pocket 🙂
I have a suggestion, since I majored in social sciences education. The market out there is TOUGH for teachers with only this endorsement. I’m not sure where you’re located (I’m in Chicago), but there are very few openings and a TON of candidates. I highly suggest he pick up a second endorsement. I minored in French, and that’s what I’ve been teaching.
If he can pick up an ESL or special ed endorsement (although he should at least somewhat want to get into these disciplines), or an endorsement in another high-demand area, it will help his job prospects immensely.
I graduated near the top of my class, chaired three clubs, worked, and did research alongside grad students in the sociology department, then moved abroad to teach for two years, had glowing recs from a bunch of people; and came back and didn’t get a single interview for social studies positions, though I got quite a few for French. I also imagine that you’re probably planning on grad school (just going off of my friends in psych and the job market), so it’d be a good idea for him to strengthen his resumé a bit.
Good luck! I understand where your fiancé is coming from, money stresses me out, too!
Post # 10
Ah, just saw that he is doing a Russian teaching minor as well. Is this offered in many schools? I work in a fantastic suburban high school that offers more languages than most, and I don’t know of a single one that offers Russian…
Edit: oops, sorry, just saw that you’re married!
Post # 11
Money is always a problem. For everyone. Even when you have more, it still is a problem. He needs to do some stress management to put it out of his mind. After you make a budget and stick to it, there is not a whole lot more you can do. My sister and her husband own several homes, but have to move every 4 years. They cannot sell their last two! They had to borrow money from his parents and now they rent. Sometimes it seems the more you make, the more expenses come up. You have to put it out of your mind once you are doing all that you can.
Post # 12
We make a lot more than that and my husband is the same way. We just have to sit down, go over our budget, and prove to him that we have enough money for everything. He keeps telling m that he’s out of money at the end of the money when in reality he’s just moved it all into our savings/investment accounts.
Post # 13
@maladroite: We’re actually planning on moving to Washington, where there are quite a few openings and russian is actually pretty in-demand! Few schools offer russian because very few teachers speak russian, but if they can find a russian teaching minor they are in heaven haha. Thanks so much for the information! We will stay away from Chicago. We’re mostly focusing on the western coast area. 🙂