This is sort of an emo post, so be warned.
My husband and I are Mars and Venus when it comes to money and our relationship with it.
My husband is really impulsive and likes to blow money because he has no idea how much money we need per month in order to pay all our bills. I am also starting to realize that he is far too concerned with being the life of a party than to worry about money. I have tried so many times to get him to see where the money is going and he is just not interested because he wants me to handle all of it.
I’m not saying I’m perfect but I don’t do a lot of the impulsive things that he does. If I want something, I will think it through for a long time because I feel guilty buying whatever it is that I want. For instance, my black boots from 3 winters ago have a hole in them and the heel is completely busted up, but I still wear them. I want a very specific pair to replace them but the price tag on them is $150. I keep waiting for that price to go down or for one of the websites to have a big sale and put those boots on clearance. To my annoyance, those shoes don’t ever go on sale. And they have been on my wish list for over a year now but I can’t make myself buy them at full price. My husband, on the other hand, would just go ahead and buy those boots and not feel an inkling of stress over the purchase.
He thinks that because we make $X,XXX salary per month we should be able to have fun and do stuff without worrying. Oh? What’s his idea of fun, you ask? Well, just this past weekend, my husband has asked me to:
- go snowboarding with the kids
- take our son and 5 of his buddies to the movies
- stop by a bar on his way home from work so he can watch the LSU & Alabama game with his friends.
Usually, I would say yes to any of this (not all) but since I’ve recommitted myself into getting rid of our debts, I am focused on keeping as much money in our bank account as possible so we can actually pay down the debts instead of coast month to month. I said, “No, we can’t afford to do that!” so many times this weekend that I feel like a broken record.
The snowboarding was going to be a very expensive trip for one day. Below are the rates I pulled up from a local ski resort:
|Youth ( 7-12)||$42||$35||$35|
|Children 6 & Under||$ 8||$ 8||$ 8|
|Seniors 70 & Over||$15||$15||$15|
There are 5 people in my family – 2 adults, 2 kids over 7 and a 6 year old. It would have cost us $208.05 ($190+$18.05 tax) to buy just the lift tickets alone. Not to mention, I know my DH. He would have wanted to stop buy and get something to eat at the ski lodge. You add in another $40-$50 for lunch for all of us. Then, on the way home, we would stop by and get something to eat from our friend’s restaurant, add in another $60. The total cost of this trip would have been at least $318.05.
The trip to the movies would have also cost us an arm and a leg. It would have cost us $60.25 just for tickets. Not to mention, we would have been asked to buy food + drinks, which for 7 people would have been at least another $30-40. Total cost: $100.25.
Watching the game at the bar would also be super expensive, especially at the bars close to where DH works. They charge at least $8 a drink and since it’s right after work he’d get a bite to eat. That’s another $40 for dinner + drinks.
Had I said okay to all of the above, this weekend would have cost us $458.30.
The type of fun my husband has in mind costs us a lot of money. And, quite frankly I’m not willing to have that kind of fun anymore. I don’t want to spend money on things that aren’t important to me. Going out to eat with a bunch of our friends isn’t my idea of fun anymore because I know we can save so much money if we all just picked someone’s house and each couple brought a dish and a drink. Buying the newest flat screen TV isn’t that important to me because I barely watch TV.
I really want to get a handle on our money. I really want to pay off the stupid debts we have. I’m sick and tired of knowing that we make great money but because we choose to go out to eat, go do this or that, our money is frittered away by the end of the month.