Reply to Living on my salary alone bc dh was laid off. How do I convince DH to cut back on non essentials?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]These are not huge items but they add up. When I raise the topic, dh gets very defensive and insists these are ‘necessities’ and important for his ‘health’. It is really getting to me as I’m shouldering all the major expenses, and I don’t buy these things for myself. Since being laid off, dh is ‘consulting’ but makes very little.

We have one dc left at home and he now follows dh’s spending patterns.

Examples: 
Almost daily smoothies that are $12+ 
Starbucks 
Organic everything - milk, cream, meat, fruit. 
Gym membership at pricey gym 
Take out - and always with a large drink or two that they end up tossing 
New clothing items that they deem ‘necessary’ - eg, new pricey athletic shoes once a season, new boots, etc.

[/quote]

Read “all your worth”. This type of purchases are annoying but are not changing the trajectory of your financial life.

You are the “avacado toast is why you can’t afford a house” camp right now. It’s noise and doesn’t really change anything.

Only exception would be what counts as “pricey” gym — is it close to $1000 /month like a car payment? I know that is one place it can get extreme.

I need new shoes every 6 months and I don’t exercise all the time — your DH might be with all his free time. [/quote]

Totally disagree. All of those things easily count to 1k a month. 12k a year is like why you can’t afford a home. It’s shocking actually how much the little things add up. [/quote]
+1 it's the spending habits, even if it's for Starbucks, that cause people to not be able to save.  $500/month on gyms, smoothies, etc.. which are necessities is $500 you could be saving.

You have to have a saving mindset, not a spender mindset.

I honestly don't understand people who don't want to cut back even as one spouse has stopped working.[/quote]

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