Reply to DH wants to set up a personal spending account for me (SAHM)

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Reply to "DH wants to set up a personal spending account for me (SAHM)"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I would agree to this if the amount in your account was generous. If he's going to require a budget before he funds it, then no.

That said, if you're carrying credit card debt, you guys need to sit down and figure this out. Perhaps since having your child, your legitimate expenses exceed your income. In that case, he needs to take ownership of the problem as well. But, if you're spending out of boredom when you can't afford it, then you need to own it. Actually looking at the bills is the only way to tell.

BTW, if your expenses exceed your income, and it is important to both of you that you be a SAHM, then maybe you agree the cc debt is ok for a couple of years. Even so, you need to budget, budget, budget so that it doesn't get out of control. And, if you own a home, you'd do better to borrow against it for living expenses than carry a balance on your cc. This is a dangerous approach, however, and should only be attempted if you can honestly say you can be very careful about spending.[/quote]

OP here: Thanks for the feedback. We do have credit card debt but right now it's interest-free. My husband is really against pay interest. It's not typical in his home country to even have a credit card. We're trying our best to pay it off ASAP. DH just started making money a few months ago. It's been really stressful for both of us. We went from an HHI of 20k to 90k. We drive a car that's 16 years old and I'm in grad school. I am not spending crazy amounts of money every month. We're not the typical DCUM family right now. We're just at the point now where we can pay off debt. 
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Op - you keep adding to your story and left out critical details in your original post. 
How can we give you advice when you have excuses for everything -living in FL where people notice toes, grad school tuition, debt, HHI, etc.
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We're not paying tuition. Why are so hung up on a freaking pedicure. [/quote]

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