- 5 years ago
- Wedding: August 2013
tingles: Yes, I am now a we! I got married about a year ago. My husband just got a job a few weeks ago and he now makes just over $100k. But he’s also paying off student loans and has been unemployed/working temp jobs for the past two years, worked for a year before that and was a student before that. So his stable salary will definitely help us loosen the purse strings a bit with spending. But I’ve been the primary breadwinner over the last 4 years that we’ve lived together, though I won’t be moving forward. And my husband also maxes out all the stuff that I do.
We live in Cincinnati, in a not-so-great neighborhood. It’s not a really bad neighborhood and I don’t feel unsafe, or anything like that, but we make several times the average household income for our area. So we pay $750 per month to rent a large, two bedroom house. It’s not a super nice house and the finishes are all pretty cheap, but it works for us. My cell phone is $24 per month (no data). Husband pays the utilities, so I’m not sure exactly how much that is per month. We drive cheap, high mileage/gallon cars and his is over a decade old (and I got a fantastic deal on mine). We eat most of our meals at home and my husband always packs a lunch (buying lunch at my work is my biggest financial splurge and that’s about $20 per week). We buy generics on almost everything.
I really think the biggest thing is that I grew up without a lot of money and his parents are super fiscally conservative. So we both consider ourselves poor and spend accordingly. We just never really caught up to the fact that we are not actually poor. So it doesn’t even feel like we’re restricting ourselves. We make good money but still choose to shop at Goodwill and those super duper discount stores that have stuff nobody would buy from 5 seasons ago. Most of my work wardrobe is years old and made up of hand-me-downs from my grandmother (seriously). Last weekend I got dressed up in a dress I inherited from my mom that she bought bad in the 80s. The only thing we really splurge on is travel. We spend a hell of a lot of money on our vacations, but that’s a priority for us.
I think it really comes down to the fact that I don’t like spending money. I enjoy saving money. I am completely baffled by people who shop for clothes for fun, because spending money on unnecessary things is just not fun to me. It’s painful. And I feel guilty. Even if I can afford it. I actually have been working on not feeling bad when I do buy things that I really want/need. And that the other big thing, I have pretty low expectations about what I “need”. I’m so grateful that I grew up without much money because it really helps you know that you can get by without spending much, if you just make up your mind to do it.