So Mad - vent
Sillygirl85
member
I have had it with hubby tonight. While I have been in school I asked him to take over managing the budget. I have come to discover this evening that he has been using savings to cover monthly overages on the budget, to the point that he has taken $5,000 out of savings. Every budget that I have looked at going back over the last year has been dipping into savings.
I have asked him over and over whether or not purchases are in the budget or how much we can afford to spend on food, clothing etc. I can think of so many purchases that I wouldn't have made if I had known they would put us over on the budget.
Two weeks ago I looked at the June budget and discovered that he had taken from savings on that month and told him that we are suppose to put money into savings not take it out.
So, we have been looking at apartments and figuring out what we can afford based on the scenario that I get a teaching job and he has the income from the job he starts in two weeks. We put in estimated costs for somethings and the usual costs for others and came up with about $900 a month going into savings, which wasn't great, but was ok.
I am brushing my teeth and I realize we forgot to include childcare. I said, "That budget isn't going to work." He says, "Why not, there' still $900." I am so mad. he doesn't get it. We have to save!!! We have had this conversation a million times. I don't know how to get the message across to him.
Re: So Mad - vent
This. I save like 100 a month... Also, if your husband can't budget, you do it. It's not that difficult.
agree. I would be angry, too.
I agree, it is all relative. I think 900 is great for savings, but like you mentioned, that doesn't include childcare, so I am not sure what that would bring you down to.
I would be very mad at hubby for dipping into savings. We were in the same boat over here, DH didn't stress about saving/would dip into savings to pay for stuff. I have gotten way more involved in our budget/finances, and am very glad I did.
Saving is great, you will get there but honestly, what sort of childcare do you need? $900 doesn't touch on childcare for me, unfortunately.
It won't be like this forever. You will get on track.
I am not sure what the cost is going to be. Where we currently are it's 640 a month, but we are moving to higher cost of living area.
I will be taking over the budget. I had started out doing it, but when I went back to school and was working full time I had asked him to take it over because I was feeling overwhelmed.
What bothers me is that I would ask him whether or not things like going out to eat were in the budget and he would say yes, even when they weren't.
for full time daycare?!?!
Yes. We currently live in a very low SES area. However, I have been calling around and we are looking at around $1,000 a month for the area we are moving to.
it's a fraction of what I pay.
I will be paying 1320 a month for two kids and that is with dd1 moving to a more expensive preschool. It's crazy how different daycare can cost from place to place
Nannys are more
Sometimes people need a wakeup call..