Wednesday, March 28, 2007

Dealing with a Spouse and Money

Ok it’s a common problem...a spender and saver who share a bank account. The saver/spender relationship can often be difficult as the saver is always nagging the spender, and the spender is always accusing the saver of being “cheap”. Does any of this sound familiar? (I might be wrong, but I’m guessing that if you’re reading this you're probably the saver...)I’ve heard of many different ways to deal with this problem but the one I’ve found the best is to use an allowance. Each month both spouses get a certain amount of money in cash that they can blow on whatever they want. I find this to be the best solution as it keeps the saver from constantly nagging the spender about wasting money on crap, it lets the spender buy whatever they want without being hassled, and it lets the saver sleep like a baby knowing that their cash isn't getting blown.

25 comments:

advantage said...

My wife is more of a saver than me, and I am reading your blog, so you know how I am...I guess I'm lucky that way...

Middle Class Millionaire said...

Definitely lucky. Enjoy.

MillionDollarJourney.com said...

That's exactly what we do, we give each other an allowance every month. Works wonders.

FT

Vantics said...

I'm engaged and my fiancee and I talk about money a lot. We fit the saver/spender stereotypes well, although on certain things I do splurge. The solution we've come up with is exactly as above...the allowance.

Money is a HUGE source of frustration for couples. My fiancee and I decided early on in the relationship that we would 'lean-in' to communicating about money, instead of ignoring it and having it lead to fights. We have a chat about once a month where we go over finances, our net worth, and discuss 'big' things we want to buy now and in the future, and how to plan for them. It's a very workable solution. Definitely helps that she is a counselling psychologist/therapist and likes to talk through issues!

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