Post # 16
Look into a good financial planner. A consultation doesnt cost anything. You may want to interview a few before choosing one. But at least they will give you unbiased advice and help you reach your goals. They may also point out a thing or two that you may not have considered that you may need to save for. For example, parents may need assistance when they are older and we may want to do major renovations on our home to keep them close or move. That expense is something I am glad we are planning for and we may not even need it but it will be there; it isnt even that much money out of our monthy fun fund.
Post # 17
I give myself about $100/week that I put into a separate account labeled “fun money” – could be for shopping, coffee, dinner out or a movie date.
Post # 18
350 goes into each of our personal accounts for discretionary spending- 100 of that is earmarked for gas 250 for personal . 300 additional in our joint account for dinners our together gifts for friends parties etc. and Any joint fun things like movies or concertS. We both put some in our retirements straight from our pay checks so I don’t even count that. Basically the 250 covers any personal toiletries not shared like makeup and hair gel, clothing, his comic books, my gym membership, dinner or lunch out individually with out friends, coffee, 7-11 runs etc… All things you can say no to and adjust your own spending toward what you want, but it’s a tight budget And the hubby struggles with it lol. I’m a natural saver So a lot of mine just stays in my checking, both of us also have the opportunity to not spend all of it and save some to pad our accounts when we want.