to be pissed at my husband for not telling me when to stop shopping?

[Kathmandu12]

So my husband and I had an agreement three years ago that he will set aside £900 per month for savings immediately. And that he'd tell me if I'm going overboard with spending. Since I don't manage money well, he takes care of it.

Anyway admittedly sometimes I go overboard (although I return a lot of what I buy) but I keep asking him and he just says he has money.

So now I just found out all we have is $2500, which will go to card payment and my summer class tuition fee.

His salary is £49000 net. We rent, we don't have a car, we have no kids. He has no vices, although he did have a tooth implant and root canal procedure last year which cost a lot.

I don't work but I have an internship that pays a bit, which I put in a savings account - so essentially that's our only savings.

I am pissed because I wasn't expecting this. So if he gets sacked from his job for any reason we won't have money.

Grow up. HTH.

You sound like a child.
I refuse to believe this is real.

Nah, the leather jacket over-egged it for me.

Lemony

^ this.

Bad with money + credit card is always going to cause problems.

Cut up the credit card. If you don't want to have all that cash in your possession, get an additional bank account and get DP to put the money into that. You can track your own balance and when you run out, then that's it for the month.

So what are you going to do OP?

Well, first I will stop spending money and give myself a budget of maybe $300 max/month.

Then I will make sure he puts $2000 in our joint account per month.

How can you get $7k a month from $49k a year or have I misread?

I meant, when I like something, I impulse buy.

Then cut up the credit card and either only spend your own money,or a set amount like 500£ or whatever. It's not rocket science.
For about 4 years OH paid for all the bills and essentials. My money was the CB money,80£ a month for treats and extras. Not only was that more than enough,but some months i even had money left over.

Well if you get £49000 a year that doesn't = £7000 a month does it? It's more like £4000 a month? So if rent is £1600 and bills are £800 that's leaves £1600 for savings, personal spends etc or have I misunderstood the sums?

AUD$7k a month from
£49k/year (starting January) = AUD $7986 / month.

onionknight that's what I thought...

So, he has NOT been saving the agreed £900 a month? And this is because you have been spending it, in addition to the agreed spending money?

If this is true, then yes I do think you are both as bad as each other. He has not taken the responsibility he said he would, and is enabling you.

You have a problem, or at least two problems. A spending habit, and a refusal to take responsibility.

This will tear you apart. Look at the way you are now blaming him.

Sort yourselves out. Communication, responsibility. Try couples counselling?

So are you going to do anything anyone on the thread has suggested?

No.

Sorry mixed up the currency.

We will get starting January around $7900/month net.

Rent is $1600
Bills $350 + $450
Savings hopefully $2000
Rest is food and play (and hopefully save still from this)

You're being deliberately goady now. Just stick to one currency. All this is irrelevant. He could earn 2425637483763 billion dollars,pounds,yen a month. You're still not taking responsibility for your own finances and spending.

Why are you mixing up dollars and pounds? Use one or the other if you want people to be able to help

Why are you mixing up dollars and pounds? Use one or the other if you want people to be able to help confused

Sorry I started with £ but I was not able to convert the rest to £. My fault!

Get rid of your cards and join the 'no spend' threads in the credit crunch bit of Mumsnet.

7900 is NOT 49K a year.

Then I will make sure he puts $2000 in our joint account per month.

Why?

"I'm bad with money" us clearly your mental Get Out Of Jail Card. Like smokers who refuse to give up because "it's the only thing that's just for me"

Stop using that excuse now.

If you're bad at maths. No excuse use a calculator

Can't use a computer /spreadsheet no excuse. Use a piece of paper and a pencil.

it'seasy . Set a sensible affordable temporary budget such as $500

Write down EVERY item you decide to buy. Add it up as you go (use your calculator if needed)
You will easily see that you are approaching the $500
Then once it hits $500 STOP
TtThen lower he budget next month to $400

And keep going. Each month $150 is about £90 a generous "spends" allowance.

Start looking at why you feel the need to have all these possessions. Especially if you're returning most of them.

Find a new hobby there are a basildon other ways to pass the time.

If you have a spending problem then you need to take the appropriate action and seek (proper) help.

If you want your partner to take responsibility for your spending then - no access to account. No online buying. A money envelope every week of your allowance.

OnionKnight

*Then I will make sure he puts $2000 in our joint account per month.

Why?*

Because that's the amount of savings we agreed upon.

OP what are you going to do?

7900 a month is in excess of 80,000 Australian dollars a year, stick with one currency FFS.