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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]OP, I agree that you need an actual budget and savings goals. Then you will both see what's left for discretionary stuff and put his spending into perspective. We sound like we make a lot less than you, but since layoff rumbles started earlier this year, I've made sure to transfer money into savings first when my paycheck hits, and we can spend whatever's left. Usually it works out fine even when we take trips, but this month my DH decided to schedule ALL the annual house maintenance visits, insurance renewals, and had a major dental bill on top of it; this is the first time I've had to say "hey man, pull it back, put off scheduling more house stuff and buying anything that isn't absolutely necessary until we have more money in checking." I'm not saying don't spend money ever, just...wait a couple weeks. Surely your DH and DS can get a smoothie sometimes but not every time. I don't think new shoes every season is unreasonable, especially for boys who wear out sneakers FAST. But there are more and less expensive shoes. [/quote]
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