Post # 1
I am not saying I want a husband who wont spoil me but sometimes I feel like he needs to be a bit frugal on certain items so we can save money because in a few months, we are planning on TTC.
– If I tell him I want a purse I saw at an outlet, he will go to Macy’s or Norstroms.
– When we are trying to find someplace to eat, I tell him we can go someplace that has those deals like 25 for two meals and an appetizer. He never goes for it, he says he wants something else. So we easily spend like 75-100 bucks when we could have gotten away with 40-50 bucks.
– When we go to Dodgers games, he wants the 100 dollar seats when we can easily enjoy the game at 25-50 dollar seats.
– Cars, they always have to be high end like mercedes, BMW when I am happy paying half for a Nissan or Toyota.
– When we stay at hotels, I would be happy at a 70-100 dollar room, no he wants rooms that run about 200+ bucks.
– When we pick out wine, I go for the 10 dollar or cheaper bottles, Mr. High End picks a 30-50 dollar bottle of wine.
– Electronics, have to be high end. I would be happy with a TV made by Apex, he wants Sony. lol
Although, I do enjoy all that, I feel like saving money is much more important. We have the money to live that way but I have this thing about saving money. Especailly because soon we will be having another mouth to feed.
Oh well, I guess I should just enjoy it right?
Post # 3
I feel you!! My hubby is like this too and sometimes I’m like *scream*!! Of course it’s nice but not ALL the time! Sometimes you have to real that stuff in! I ended up making a budget sheet and showing him how much we were spending on certain stuff, I actually just did this today and sent it to him… I’ll let you know how it turns out! 🙂
Post # 4
Yes and no. If he (you both) can afford it and not sacrafice saving for something else or retirement, then yes, by all means, enjoy life and these nice luxuries. If you are not on target for a nice retirement or saving for a home or for when you’re out on maternity or whatever, then there’s a problem and I’d talk to him about it.
Post # 5
I am having a few of the same issues now with my FI. He makes alot more money than I do I am use to saving just about ever penny I earn for a rainy day. Since we have gotten to I have gone from redbox and chinese food (with a coupon) to a pleasently plump bank account and playing tennis at CC.
I am still having a little bit of a hard time getting use to it. Some days I can’t believe that its real.
Post # 6
It depends on what it is and whats important to you I’m way more frugal then FI in some ways- I’m more likely to think about if I really need something and if not I wont buy it. FI is the one more prone to the impulse buys. But for the things you mentioned we are opposite- I argue for something nicer because I feel ilke the quality will make enough of a difference to justify spending the more money, where FI will go for the cheap one of something and then end up breaking and replacing it. Case in point- he got the newest droid phone around christmas. It was somewhat of an impulse buy (he now wants an iphone). But after spending close to $400 on a phone, I made him get an otterbox case. He wanted the cheapy case that you can get anywhere, but I knew it would get broken and possibly end up with the phone broken as well. The otterbox has held up awesome and has saved the phone several times.
If you can afford it- enjoy it, if not talk to him about what things are important to splurge on and what things you want to stick to a stricter budget for.
Post # 7
My husband is just like that. Have you tried talking to him about your goals for saving, and why they are important to you? My husband was not really a saver. He was good about saving up for a specific item, but he didn’t see the point of socking a way tens of thousands of dollars “just because.” Whereas I feel like having a rainy day fund is crucial to my mental well-being because it puts my mind at east to know that we’d be okay if one (or even both) of us lost our jobs, or if we had some unexpected expenses, etc. Basically I just had to sit him down and explain how it made me feel secure to put money in savings every month, and once it was all explained he agreed to it. We agreed on an amount that is automatically transfered to our savings every month. Then beyond that we can do whatever we can afford. But savings comes first.
Post # 8
@pinkshoes: We have our first home we purchased last year, we both have retirement accounts and savings accounts but I feel like there are certain things we can save money on but he see’s differently. He makes alot more than I do so I guess I see it through my eyes.
@nikkialys: Yes, I agree that certain items one cant afford to go cheap. He always say, he buys me gifts that gain value like jewelry. Also, if I tell him I want a certain camera for Xmas, he will buy one that cost more because it will last longer. I guess being a single parent for so long, I had to sacrafice, penny pinch and save where I could.
Post # 9
@CorgiTales: I have spoken to him but not in great detail but I think I will do what Mrs.Pom said and make a budget. I budget for our regular expenses to the penny every single day and never go about it unless its necessary. I think I will have him have a certain amount of money direct deposited into an account so he can forget about it and move on. haha
@MrsPom: Such a great idea. I will start working on that stat. I will include how much we spend eating out, how much we spend here and there.
We both have our cars paid off, not much debt and I think we could be saving more if we really wanted. I am no angel either when it comes to shoes but I buy them on sale. Never full price so I am ok with that. hehe
I have introduced him to coupons and those online groupons specials. He is caving into them, he even said hey they actually work. lol
Post # 10
@Mrs.Jansen: With the exception of the electronics, you’ve just described me in every category. I hate it sometimes. I’ve never been a saver, I like nice things (and work very hard for them) and I’m extremely picky. I’m trying to be better and save but it’s hard. It’s like I’m wired differently or something. Or created by my mother. She was (and still is) frugal to a fault and is uncomfortable spending money even when she has it.
Post # 11
@mkendrick: I use to be a spender but since we bought our house and got married, I feel like we have so much more to loose if anything happens. But I dont complain when I get the nice expensive gift either. lol