Anonymous
12/15/2017 08:47
Subject: DH wants to set up a personal spending account for me (SAHM)
OP, your DH is correct. You should both be on a budget. You personally should have some discretionary money for things like a pedicure, haircut, whatever. But you can't just continue to use the credit card and not think about it.
Anonymous
12/15/2017 08:31
Subject: Re:DH wants to set up a personal spending account for me (SAHM)
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:OP, if you have credit card debt, you are overspending. Seriously, how can you get pedicures when you have credit card debt? I would nitpick, too.
+1 I can't bear to do practically anything not absolutely necessary if I am carrying a balance. Shudder. I hate credit card balances.
Also, I mean, it's the winter. No one sees your feet! The best part of staying home is no one sees you unless you have a social outing. I work from home, and I look like crap 90% and spend quite little no money on clothes or make up, but no one knows because I look spectacular that 10% of the time that I am doing something socially and only need a couple of outfits to pull this off. Take advantage!
OP here: I live in south Florida so people do see my feet a lot and it's the one thing that helps me feel put together. I'm also in school so I am out of about a lot.
Learn to give yourself a pedicure at home.
Anonymous
12/15/2017 08:29
Subject: DH wants to set up a personal spending account for me (SAHM)
Anonymous wrote:Stop with all unnecessary purchases like pedicures until you pay off the credit card debt, OP.
+1
Anonymous
12/15/2017 08:26
Subject: DH wants to set up a personal spending account for me (SAHM)
Anonymous wrote:Anonymous wrote:music lessons for a 2 year old are a waste of money, all you're basically doing is having someone babysit him for an hour where he bangs on a xylophone and you have some down time. Right now you can't afford it.
DW is SAHM and has a personal account. We have "ours" and "hers" If fact I don't even know if my name is on her account.
Every month I give her cash and put a set amount in her account. This is for donations to the PTO things like that. I don't even know how much she has in the account honestly.
She uses a credit card to pay for groceries, doctor visits, even her pedicures. She gets a manicure every two weeks and a pedicure once when its warm out. I get the bill every month and pay it off. We don't have debt if she wants something over a $1000 we talk it over first, same as if I want something expensive.
It can work, and works well for us, but we have been married for 20 years, its harder starting out but you can make it work
That makes no sense. Why does she need a personal account to pay for things like donations? Why not just pay out of a joint account? I don't talk about anything with my husband and do what I want. I will mention bigger things but he doesn't care as long as we can afford it.
that's the point. you can afford it. OP can't afford all these little luxuries but doesn't seem aware of her financial situation.