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November 2019 Moms
emeraldcity1214
member
UO/FFFC 7/25
emeraldcity1214
member
I'm slacking. I just get get started with my day and then forget. I thought I would just combine these two threads. If y’all want them separate just let me know.
Re: UO/FFFC 7/25
Here is my FFFC. I handle the money in our household - I pay our mortgage, all our bills, etc. MH is not that good with money and he knows it. I look at all his purchases and sometimes I give him a hard time about stuff he's bought as not being part of our budget, useless, waste of money, etc. Last week I went to my parents' house for dinner while he was working, and I went out to run an errand and I stopped into this nearby boutique that I follow on instagram. I had seen this dress on their instagram and really wanted to try it on, it is like a white, tropical floral print maxi dress, very flown. It fit right now even pregnant and I had tried on the small so I assume it will still fit next summer. I bought that dress (which was $80, so not cheap) and hid the purchase on a credit card that I have and MH does not. I'm not planning on telling him I bought this and will just play it off like I bought it awhile ago if he notices that it is new, which he likely won't.
I usually run bigger purchases (>$250) by MH and he does the same with me. I used to work in fashion so I've been successful at convincing him that timeless, high-quality staples are good investments. My bigger shopping problem that he gets at me for is buying a million small things all the time. Both of us do it...especially with Amazon purchases. It might just be a $10-15 an item...but the volume that we seem to buy each month is out of control.
@mc0303 yeah big purchases I do discuss. Amazon is so easy to just click a button, you're right. I don't even want to think about how much I've spent on there! It's so convenient though.
@creamcheeseplease that dress sounds so pretty, glad you found one that will work both now and later. Those are my favorite purchases.
ETA: I don’t know anyone who has used it, I just hear commercials for it on some of the podcasts I listen to!
I’m a dr so I lived for too long with nothing that now my spending/shopping policy is usually “if we don’t have it, we don’t need it” and that suits us both well enough.
When he gets paid he keeps a set amount for himself to get through the week work-wise and the rest gets transfered to me for bills and household things. We also have a set amount that gets set aside weekly in cash and another bit that's gets sent to a third account where we have big auto payments coming out monthly. It was a struggle at first because he felt kind of possessive over his money 🙄 but he has access to it all at anytime. It works, and now we actually have savings, lol.
Last year, he received unemployment for 26 weeks out of the year which is not more than 450/week if I remember. I still don't know how we did it but we managed to not get over our head or behind in any bills that year and he made almost 20K less than the year before.
@creamcheeseplease you would know where you stand financially and you're allowed to reward yourself every now and then 😉 enjoy your purchase
@creamcheeseplease My husband thinks he's going to do the same in a year or two. I just look at him like he's lost his mind.
@emeraldcity1214 - Yay new van! I love my Honda Odessey (things I never thought I would say pre-kids)
When my husband agreed to get the van 2 years ago the deal was that I have this for 10 years and then once the kids can handle getting into a bigger car I can go to an SUV which is what I wanted over the mini-van. But I have to say, he was right, the van is so easy for little ones to climb in and out of without me bending & lifting overly much.
I am also on the SAHM side, my husband does all the finances though. We joke that he gives me an allowance since I don't 'officially' have a budget. Whenever he stays late at work or gets to take a 'boys' trip. I just mentally add $100/day to my account to spend when it is my turn for a vacation and he doesn't get to say anything. It works for us :P
He’ll need a new car soon and I just bought a small sedan last year...we weren’t thinking about the whole baby thing. I told him I’d buy a new bigger car and give him the one I just bought. He didn’t seem keen on the idea 😂
My husband makes sure all bills get paid because I would forget. But right before we got married 5 1/2 years ago we got YNAB which is an app budgeting thing. We track literally every penny in it and have this whole time. Occassionally we try to set some budget limits but overall we found that just tracking where all of our money went made us more mindful. We talked about tracking some stuff closely in August-November to save some extra money on groceries and restaurants since I will be going without paying during maternity leave.