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[quote=Anonymous][quote=Anonymous]I am a saver, DH is a spender. He came from deep poverty and  so every dollar that isn't used to pay for the turned-off electric bill feels to him like a gift that should be spent QUICK. We've struggled with the issue a lot over our 10 plus years of marriage, and what has finally taken the struggle and stress out of the issue is YNAB, as a PP mentioned. Your DH does have to agree to actually use it, and for us it went along with a decision that he simply can't have a credit card, and if he gets an uncontrollable itch to buy something on installment (which he used to do all the time) he will instead come to me and talk about it, and the chances are good we'll find a way to buy it without resorting to credit. What YNAB forces you to do is say "Oh, okay, if I want those new pants I can have them, sure. But I'll have to take the money from the grocery bucket this week. Thats okay - we'll just eat leftovers. I want the pants more." It makes you look at your choices, instead of ignoring them. Good luck, OP![/quote]

OP here, thank you!  YNAB looks like a great program to use.  I hope it works for us and I will definitely give it a try.[/quote]

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