(Closed) Financial Issues

posted 7 years ago in Married Life
Post # 3
Member
1667 posts
Bumble bee
  • Wedding: May 2011

@Sosoon2011: Sit down together and write out a budget. Subtract your fixed expenses from your income. See how much you have left over. Is their anything in your discretionary budget that you can cut or trim?

And you mentioned having kids, but that should wait until you are in a better financial position.

Post # 5
Member
7291 posts
Busy Beekeeper
  • Wedding: October 2011

Where are you guys living now? 

I second the advice of @ktisthatbees !

Post # 6
Member
7770 posts
Bumble Beekeeper
  • Wedding: July 2010

@Sosoon2011:  I am.  Do not worry.  You have to do your best to do your best and be as smart with $ as you can- beyond that, do your best to make out a plan.  Other than that, let go.  The stress won’t help.  One of the most wonderful ladies I have ever known told me not to wait to have children until I can afford them, or I never will (within reason- we are waiting until we have stable income and health insurance of course).  I always wanted to wait until I owned a home, but there are more important things than money to children- like love, honesty, respect, guidance, and support. 

Post # 7
Member
3049 posts
Sugar bee
  • Wedding: January 1991

Ugh, we have financial issues as well. He lost financial aid and now has to pay for school himself. No bank loans because… we don’t make enough money to get a loan. We’re just going to ask his boss (a family friend) to loan us the money. I also don’t have a job right now–I looking and looking and hopefully will have something SOON! But yea, it’s no fun to worry about money, which we’ve been doing ever since we got married!

Post # 8
Member
3521 posts
Sugar bee
  • Wedding: December 2010

We’re not straight-up struggling, but it would be nice to have some more money. I just started my second (crappy, part-time) job a few weeks ago, which will add an extra $700 a month. That money will go a long-ass way; I have to pay off my surgery from March, and student loans are coming up soon.

Do what you can with what you have and don’t stress if you can’t save a ton at first. But do make a budget and stick to it. 

Post # 9
Member
916 posts
Busy bee
  • Wedding: October 2011

We aren’t married yet and we’re just hoping we can afford the wedding. We both have lots of debt from student loans, personal loans, and credit cards and we don’t make nearly enough money at our jobs. I really would like to buy a house someday, but I don’t see that day being anytime soon unfortunately. Our goal is to buy a house within the next 5 years so in the meantime, we need to set money aside and focus on paying off our debt. We also pay too much money for a small apartment in the city. We might have to consider moving to a cheaper place next year. I definitely know that not having money can stress you out. I guess the best advice I can give is to cut back on what you can and not focus much on what you don’t have. Just try to relax and spend quality time with your husband.

Post # 11
Member
175 posts
Blushing bee
  • Wedding: September 2013

My husband and I were having money issues until I kind of took over the finances- Wow that made a difference lol. My Husband is in the Air force and is not very high up in rank yet at all, AND we live in a foreign country right now so I cannot work as there are very few jobs available to spouses. Every month I make a budget like a long math problem. I OVER estimate what we will spend on bills, groceries, ect and UNDER estimate what our income will be. Before we grocery shop we make a list of what we need. That way we only get what we need, and know what we plan on making to eat so we dont waste food or let it go bad. Also we ALWAYS budget in a little play money. I believe that its like a diet- if you dont let yourself have a weekly cheating meal you will go over board and jump ship from your diet. Same with the budget. But we know what we have to work with for the month and plan accordingly. Also if at the end of the month we have spent less than we planned on- that’s our reward and we get a pizza or buy our selves little gifts. We went from barely making by to being able to put between $600-$800 into savings every month. My Husband is NOT the saving type and has never been able to keep money at all so he was wowed when he looked at our savings account and doesnt complain about the budget anymore 🙂

Post # 12
Member
835 posts
Busy bee
  • Wedding: October 2011

The best advice I can give is to ask. Ask your cable provider, ask the guy at pizza hut…. or where ever if they can do anything about that price. 9 times out of 10, they can. We went to our cable company a few weeks ago and told them we are trying to pay for a wedding and we were just really nice and kinda quiet about it as to not alert other customers of what we were doing. She felt so bad, tapped a few things on her computer and brought our bill down to 29 a month from 66. I think she deactivated our account then reactivated it to get the “new customer” deal. Then we wanted just a basic one topping pizza the other day with breadsticks, but wanted help with the bread sticks. So we googled free breadsticks, pulled up the pic of the coupon, took a pic of it and pizza hut let us use it. And seriously there has rarely been a case when we asked and someone didn’t help or at least try to. I bought groceries today and asked the cashier if they had any grocery coupons in the circular, and he pulled out a paper someone had left behind. It was a 15 bucks off 40 bucks of groceries. So always ask. It will help so much in the long run. That stuff adds up. Good luck!!

Post # 13
Member
835 posts
Busy bee
  • Wedding: October 2011

oh, and always google search images for coupons before going anywhere. Shoes, food..whatever. You will alwyas come up with something.

Post # 13
Member
835 posts
Busy bee
  • Wedding: October 2011

oh, and always google search images for coupons before going anywhere. Shoes, food..whatever. You will alwyas come up with something.

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