Up until two years ago I was a single parent living of part time income + tax credits. No maintenance for my children.
During that time I turned budgeting into a bit of an art form. I have always had a policy of only spending money if I really need to and I will always check what I have before buying anything, meal plan, freeze leftovers etc. I always spend like I had no money, even when I'd just been paid so when I needed the money it was these. DP has always been worried that I deprive myself of things and encourages me to treat myself occasionally.
DP always seemed quite good at budgeting as he lived on a very tight budget before we moved in together. And he is really good at checking prices and getting the best deals etc but he isn't very organised and has this annoying habit of replacing things because they are lost or not looking in the fridge at what needs using up before making dinner using stuff from the freezer. He also will buy lunch or drinks out a lot of the time which doesn't help. He is a bit of a payday spender and then panics half way through the month when we are poor again.
We have joint finances. We do find we disagree about money quite a lot as I can see money being wasted. We do have money is savings (but not really because it was saved, because of a little bit of inheritance) so we are not on the breadline but we do struggle to live within our means each month.
Anyone got any advice on how to even out our money expectations. He does listen to what I say but gets a bit defensive whenever I mention anything. I try and lighten up but have a tendency to worry. Is there one person who takes hold of the purse strings in your household?
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I'm good at budgeting, partner is not
7 replies
MsColouring · 25/07/2015 11:51
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