Reply to Do you rein in the spender in your family?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]YNAB doesn’t make sense at that HHI. Focus on cash flow (which sounds like it is way in the positive).

Generally speaking, your view of spending sounds unreasonably restrictive at your income level. I get that you have savings goals. Why don’t you focus on making sure those are met instead of policing spending? [/quote]

We are close to that HHI and use YNAB.

I find that it is great for exactly the sort of issue that the OP is having.  It allows you to decide as a team what your priorities are and how you want to spend your money.  For my husband and I that very much includes money for fun and frivolous expenditures.

It also makes it clear when you overspend a budget category where you are taking the money from.  So if you overspend in the "fun money" category you have to decide where to take the extra money from.  And there is no wrong answer, but the answers do reflect your priorities.  So taking it from "eating out" or "future vacations" or "paying down the mortgage" line items does tell you how you are prioritizing your spending.  That is what is happening if you track in YNAB or not, but YNAB makes it clear and explicit, which is great for the communication issues that OP is having. [/quote]

OP here - I have tried YNAB but I could not figure it out because a) my husband refused to download the app and actual track things every day/weekly and b) we have lots of reimbursements coming in each month from work travel so I find it hard to figure that out. Also we take out our own taxes each month and pay quarterly and I find that difficult to track as well.  I am sure others have figured it out but it ended up being a nightmare for me so I quit. I did make my own excel sheet to track spending. [/quote]

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