I'm just going to vent here, since I know I'm being a little unreasonable...

CMGragain · January 2015

ashley8918 said:

CMGragain said:

ashley8918 said:

...And don't want to blow up on H, but he is driving me INSANE.

So, we have some money issues. Nothing major, but we have some debt going on, and my salary is nothing to write home about. But, all of the bills are paid (if not exactly on time) every month, and we are scraping by just fine.

We made the decision together, at the beginning of the school year, that H was going to quit his almost minimum wage dead-end job and stay home for a year with my 4-year old. The plan was for him to take this time to get through some/most of his schooling online, and save us from paying for daycare (which would have been $20/wk more than his salary... totally pointless).

So, this is going okay, except that he is spending money like we still have 2 incomes! It's not like he is blowing huge amounts of money all at once, but he is doing a lot of unnecessary spending. For Ex: Today, I got a notification from Verizon that he made $40 in in-app purchases on some stupid ass phone game. Things like this (and buying pot, which I HATE... It's still illegal here and i'm worried he will get himself into trouble) are a regular occurrence. SERIOUSLY? We are poor - We need groceries. Come on, dude.

I am really struggling with this because I don't want to police how he spends our money, and I don't expect him to ask my permission; but at the same time, I need him to understand our financial situation and what purchases need to be priority. I just don't know how to convey my concerns to him without him feeling like I'm going all "MY MONEY" on him, because that isn't the case at all.

Okay, now that I've got that out, I don't feel so much like yelling at him anymore. Whew. Feel free to give advice, or not. I just needed to talk about it, and was a little to upset to bring it up to him at the moment.

I think you should schedule an appointment with a financial counselor. Your FI may not listen to you, but coming from someone else, it may make a dent in his fantasyland.

I see some of what you have written as a red light. Woah! If you can't agree on financial decisions now, what makes you think it will get better when you are married? This is a very important part of marriage, especially with children. You need to get priorities straight before you get married. If pot is more important to him than paying the bills, I see dark clouds ahead for you.

Yeah, no. We are already married and do not have major financial issues. The debt that we have is not unmanageable, is being paid down, and bills always come first. Our priorities are just fine, generally speaking.

This is about my annoyance with how he chooses to spend some of our precious little "extra money".

I do appreciate your suggestion of seeing a financial counselor, however. We could certainly benefit from some advice from a professional.

ETA Oh and, LO-fucking-L at "I see dark clouds ahead for you". Aren't we just a ray of sunshine. Jeez.

I've been thinking about your post all day. You sounded so much like my younger sister, years ago. She was earning the money while her husband went to college. Her marriage ended very badly, due to husband's irresponsibility with money, drugs, and infidelity. (I hope you never have to deal with THAT!)
Good luck with financial counseling. I hear it has been really successful for people as long as they are willing to make the commitment. I hope things get better for you.

larrygaga · January 2015

Tell him you don't want to police him but if he can't be responsible on his own, then you have to.

I don't know I'm the horrible spender of my relationship. That's what FI would tell me.

jdluvr06 · January 2015

scribe95 said:

So at first I thought you were saying he was spending so much that you couldn't buy groceries, pay bills on time.

After reading though it sounds like you give him some "fun" money and now you don't like how he is spending his "fun" money. Is that accurate? Aside from not buying illegal things like pot, I would let it go if he is staying within his allotted amount.

But I could be reading it wrong.

I think she meant he is using their very little extra money on these things. So it's not just his fun money, but hers as well. I could be wrong but I that is how I was reading it.

Anyway I think the PPs have given good advice. I just came here to say I don't think you're being unreasonable and I hope you two can get this figured out so that you are both happy.

climbingsingle · January 2015

CMGragain said:

ashley8918 said:

CMGragain said:

ashley8918 said:

...And don't want to blow up on H, but he is driving me INSANE.

So, we have some money issues. Nothing major, but we have some debt going on, and my salary is nothing to write home about. But, all of the bills are paid (if not exactly on time) every month, and we are scraping by just fine.

We made the decision together, at the beginning of the school year, that H was going to quit his almost minimum wage dead-end job and stay home for a year with my 4-year old. The plan was for him to take this time to get through some/most of his schooling online, and save us from paying for daycare (which would have been $20/wk more than his salary... totally pointless).

So, this is going okay, except that he is spending money like we still have 2 incomes! It's not like he is blowing huge amounts of money all at once, but he is doing a lot of unnecessary spending. For Ex: Today, I got a notification from Verizon that he made $40 in in-app purchases on some stupid ass phone game. Things like this (and buying pot, which I HATE... It's still illegal here and i'm worried he will get himself into trouble) are a regular occurrence. SERIOUSLY? We are poor - We need groceries. Come on, dude.

I am really struggling with this because I don't want to police how he spends our money, and I don't expect him to ask my permission; but at the same time, I need him to understand our financial situation and what purchases need to be priority. I just don't know how to convey my concerns to him without him feeling like I'm going all "MY MONEY" on him, because that isn't the case at all.

Okay, now that I've got that out, I don't feel so much like yelling at him anymore. Whew. Feel free to give advice, or not. I just needed to talk about it, and was a little to upset to bring it up to him at the moment.

I think you should schedule an appointment with a financial counselor. Your FI may not listen to you, but coming from someone else, it may make a dent in his fantasyland.

I see some of what you have written as a red light. Woah! If you can't agree on financial decisions now, what makes you think it will get better when you are married? This is a very important part of marriage, especially with children. You need to get priorities straight before you get married. If pot is more important to him than paying the bills, I see dark clouds ahead for you.

Yeah, no. We are already married and do not have major financial issues. The debt that we have is not unmanageable, is being paid down, and bills always come first. Our priorities are just fine, generally speaking.

This is about my annoyance with how he chooses to spend some of our precious little "extra money".

I do appreciate your suggestion of seeing a financial counselor, however. We could certainly benefit from some advice from a professional.

ETA Oh and, LO-fucking-L at "I see dark clouds ahead for you". Aren't we just a ray of sunshine. Jeez.

I've been thinking about your post all day. You sounded so much like my younger sister, years ago. She was earning the money while her husband went to college. Her marriage ended very badly, due to husband's irresponsibility with money, drugs, and infidelity. (I hope you never have to deal with THAT!)
Good luck with financial counseling. I hear it has been really successful for people as long as they are willing to make the commitment. I hope things get better for you.

--------------------------------------------------------------
I can't bold on my phone, but seriously?!? Wtf? Was that really necessary with the story of your younger sister? What does that even have to do with this?

KatieinBkln · January 2015

Late to this bad boy but I have also found interesting and helpful info on LearnVest. This article talks about different ways of combining incomes (including living off just one partner's, as you are) so hopefully it helps, too, in the time between now and when you can get to a financial counselor.

http://www.learnvest.com/2012/09/6-ways-to-combine-finances-with-your-partner/

ashley8918 · January 2015

CMGragain said:

ashley8918 said:

CMGragain said:

ashley8918 said:

...And don't want to blow up on H, but he is driving me INSANE.

So, we have some money issues. Nothing major, but we have some debt going on, and my salary is nothing to write home about. But, all of the bills are paid (if not exactly on time) every month, and we are scraping by just fine.

We made the decision together, at the beginning of the school year, that H was going to quit his almost minimum wage dead-end job and stay home for a year with my 4-year old. The plan was for him to take this time to get through some/most of his schooling online, and save us from paying for daycare (which would have been $20/wk more than his salary... totally pointless).

So, this is going okay, except that he is spending money like we still have 2 incomes! It's not like he is blowing huge amounts of money all at once, but he is doing a lot of unnecessary spending. For Ex: Today, I got a notification from Verizon that he made $40 in in-app purchases on some stupid ass phone game. Things like this (and buying pot, which I HATE... It's still illegal here and i'm worried he will get himself into trouble) are a regular occurrence. SERIOUSLY? We are poor - We need groceries. Come on, dude.

I am really struggling with this because I don't want to police how he spends our money, and I don't expect him to ask my permission; but at the same time, I need him to understand our financial situation and what purchases need to be priority. I just don't know how to convey my concerns to him without him feeling like I'm going all "MY MONEY" on him, because that isn't the case at all.

Okay, now that I've got that out, I don't feel so much like yelling at him anymore. Whew. Feel free to give advice, or not. I just needed to talk about it, and was a little to upset to bring it up to him at the moment.

I think you should schedule an appointment with a financial counselor. Your FI may not listen to you, but coming from someone else, it may make a dent in his fantasyland.

I see some of what you have written as a red light. Woah! If you can't agree on financial decisions now, what makes you think it will get better when you are married? This is a very important part of marriage, especially with children. You need to get priorities straight before you get married. If pot is more important to him than paying the bills, I see dark clouds ahead for you.

Yeah, no. We are already married and do not have major financial issues. The debt that we have is not unmanageable, is being paid down, and bills always come first. Our priorities are just fine, generally speaking.

This is about my annoyance with how he chooses to spend some of our precious little "extra money".

I do appreciate your suggestion of seeing a financial counselor, however. We could certainly benefit from some advice from a professional.

ETA Oh and, LO-fucking-L at "I see dark clouds ahead for you". Aren't we just a ray of sunshine. Jeez.

I've been thinking about your post all day. You sounded so much like my younger sister, years ago. She was earning the money while her husband went to college. Her marriage ended very badly, due to husband's irresponsibility with money, drugs, and infidelity. (I hope you never have to deal with THAT!)
Good luck with financial counseling. I hear it has been really successful for people as long as they are willing to make the commitment. I hope things get better for you.

And the point of this little anecdote was what? I really don't appreciate the patronizing attitude.

ashley8918 · January 2015

scribe95 said:

So at first I thought you were saying he was spending so much that you couldn't buy groceries, pay bills on time.

After reading though it sounds like you give him some "fun" money and now you don't like how he is spending his "fun" money. Is that accurate? Aside from not buying illegal things like pot, I would let it go if he is staying within his allotted amount.

But I could be reading it wrong.

Sort of. The real problem, I think, is that we don't actually have any sort of allotted amount, so everytime he spends money on bullshit, I get upset.

ashley8918 · January 2015

jdluvr06 said:

scribe95 said:

So at first I thought you were saying he was spending so much that you couldn't buy groceries, pay bills on time.

After reading though it sounds like you give him some "fun" money and now you don't like how he is spending his "fun" money. Is that accurate? Aside from not buying illegal things like pot, I would let it go if he is staying within his allotted amount.

But I could be reading it wrong.

I think she meant he is using their very little extra money on these things. So it's not just his fun money, but hers as well. I could be wrong but I that is how I was reading it.

Anyway I think the PPs have given good advice. I just came here to say I don't think you're being unreasonable and I hope you two can get this figured out so that you are both happy.

Yes, exactly!

And thank you. My original thought that I was being unreasonable was due to the fact that I was very angry and probably would have yelled at him had i been home. Which, I think, was pretty unreasonable.

We have since talked about it (not this specific purchase, becuase I didn't see the point) and have agreed to come up with a hard and fast budget together this weekend.

ashley8918 · January 2015

KatieinBkln said:

Late to this bad boy but I have also found interesting and helpful info on LearnVest. This article talks about different ways of combining incomes (including living off just one partner's, as you are) so hopefully it helps, too, in the time between now and when you can get to a financial counselor.

http://www.learnvest.com/2012/09/6-ways-to-combine-finances-with-your-partner/

Thank you, I will definitely take a look!

porkchops926 · January 2015

I came to this post waaay too late but if he's willing to sit down with you and come up with a budget and actually work through this then woohoo! To me that says the irresponsible spending is probably just a reaction to boredom and he probably doesn't consider how detrimental it could be if left unchecked.

Honestly it's probably just a band-aid for the life adjustment, I think things look bright if he's willing to work it out.

OliveOilsMom · January 2015

ashley8918 said:

lyndausvi said:

Some habits are hard to break. It's only been since Sept that this arrangement started. I know when I quit my job to move it took me a little while to stop spending like I was working. We were the same as you as far as bills still getting paid, but we weren't saving as much as we could have been.

Maybe schedule a sit down on how the arrangement is going. Showing him the budget as a whole, how you might need to reevaluate fun money for both of you.

You know, I didn't really think of it this way. When we first decided that he would stay home, I immediately altered my spending habits (Buh bye 2x weekly lunches out at work ), so I just kind of assumed that he would adjust just as quickly.

I don't think anyone has mentioned this, but have you outlined to your H what spending you cut back on? Maybe if he knows that you have cutback, spending wise, about $20 per week by not eating out some lunches, he may be more inclined to watch his own spending too. It also shows that you are cutting back even though it's "your" money.

When H & I were starting to save further for a down payment on a house, we both outlined what we would "give up" with our new budget. While our budget priority was a house and yours is paying down debt, basically the overall concept is the same.

doeydo · January 2015

I didn't read CMGragain's post as patronizing at all, but rather that she was concerned for your marriage and well being. She said she hopes it gets better for you, so I guess I don't get why you're being rude to her?

ashley8918 · January 2015

OliveOilsMom said:

ashley8918 said:

lyndausvi said:

Some habits are hard to break. It's only been since Sept that this arrangement started. I know when I quit my job to move it took me a little while to stop spending like I was working. We were the same as you as far as bills still getting paid, but we weren't saving as much as we could have been.

Maybe schedule a sit down on how the arrangement is going. Showing him the budget as a whole, how you might need to reevaluate fun money for both of you.

You know, I didn't really think of it this way. When we first decided that he would stay home, I immediately altered my spending habits (Buh bye 2x weekly lunches out at work ), so I just kind of assumed that he would adjust just as quickly.

I don't think anyone has mentioned this, but have you outlined to your H what spending you cut back on? Maybe if he knows that you have cutback, spending wise, about $20 per week by not eating out some lunches, he may be more inclined to watch his own spending too. It also shows that you are cutting back even though it's "your" money.

When H & I were starting to save further for a down payment on a house, we both outlined what we would "give up" with our new budget. While our budget priority was a house and yours is paying down debt, basically the overall concept is the same.

I honestly don't think I did discuss it with him; I just did it. This is good advice, thank you!

ashley8918 · January 2015

doeydo said:

I didn't read CMGragain's post as patronizing at all, but rather that she was concerned for your marriage and well being. She said she hopes it gets better for you, so I guess I don't get why you're being rude to her?

I'll just leave this here.

pa·tron·ize

ˈpātrəˌnīz,ˈpatrəˌnīz/

verb

gerund or present participle: patronizing

1.
treat with an apparent kindness that betrays a feeling of superiority.

And JFC, nobody is being rude.

slothiegal · January 2015

You should probably get divorced.

Oh wait, I'm not on TN.

larrygaga · January 2015

CMGragain said:

ashley8918 said:

...And don't want to blow up on H, but he is driving me INSANE.

So, we have some money issues. Nothing major, but we have some debt going on, and my salary is nothing to write home about. But, all of the bills are paid (if not exactly on time) every month, and we are scraping by just fine.

We made the decision together, at the beginning of the school year, that H was going to quit his almost minimum wage dead-end job and stay home for a year with my 4-year old. The plan was for him to take this time to get through some/most of his schooling online, and save us from paying for daycare (which would have been $20/wk more than his salary... totally pointless).

So, this is going okay, except that he is spending money like we still have 2 incomes! It's not like he is blowing huge amounts of money all at once, but he is doing a lot of unnecessary spending. For Ex: Today, I got a notification from Verizon that he made $40 in in-app purchases on some stupid ass phone game. Things like this (and buying pot, which I HATE... It's still illegal here and i'm worried he will get himself into trouble) are a regular occurrence. SERIOUSLY? We are poor - We need groceries. Come on, dude.

I am really struggling with this because I don't want to police how he spends our money, and I don't expect him to ask my permission; but at the same time, I need him to understand our financial situation and what purchases need to be priority. I just don't know how to convey my concerns to him without him feeling like I'm going all "MY MONEY" on him, because that isn't the case at all.

Okay, now that I've got that out, I don't feel so much like yelling at him anymore. Whew. Feel free to give advice, or not. I just needed to talk about it, and was a little to upset to bring it up to him at the moment.

I think you should schedule an appointment with a financial counselor. Your FI may not listen to you, but coming from someone else, it may make a dent in his fantasyland.

I see some of what you have written as a red light. Whoa! If you can't agree on financial decisions now, what makes you think it will get better when you are married? This is a very important part of marriage, especially with children. You need to get priorities straight before you get married. If pot is more important to him than paying the bills, I see dark clouds ahead for you.

Nobody is perfect except you! So should we all put off marriages to wait for someone with no big faults?

You gotta stop with the condescending comments. I don't care how old or wise or gracious you are, all of your advice goes right out the window when you can't even phrase what you say in a way that isn't upsetting. You are always called out on this, as well. My grandma always told me to chew my words 10 times before speaking. You should take advice from my grandma.

You are like CC's tame version of tampon monoxide.

ashley8918 · January 2015

scribe95 said:

Glad you guys are working through it. My only caution is that if you tell him, 'you have $40 a week for fun money and I have $40 a week for fun money' then you can't criticize what he spends it on.

I will definitely keep this in mind. I'm sure it's going to be a struggle for me (Because spending money on phone games is bullshit, COME ON.), but I agree that it's for the best. I wouldn't like him throwing a fit over my makeup purchases or something

princessleia22 · January 2015

DH and I have been having similar issues lately, regarding the little spending habits. He thinks I overspend on stupid stuff and I think he overspends on stupid stuff... we just have differing opinions on what we want to spend our money on. We definitely need to sit down and analyze our spending and set up a budget. We've looked at all our main bills and stuff and know what disposable money we have, but never really budgeted for the disposable money. We just check our account balances online regularly and if it's low, we slow down on spending... not the best way to do it. So, we do have plans to sit down and create a full budget. We have also talked about setting aside an "allowance" amount for each of us. Like, say we each have $100 a month to spend how we choose, no questions asked. But even that has some debate. I think we should just have cash for the allowance, but DH prefers to use debit/credit card. Using a card makes it much harder to control the spending though or to realize when you hit your limit. We may set up another checking account for the allowances or I've been looking at pre-paid credit cards.

sarawifenow · January 2015

PPs have given great advice. My H has a hard time with budgeting as well. Something that has really helped us is that we pay off all of our bills right when our check comes in and then we divide whatever is left between the two of us as our fun money. We make sure to take it out in cash that way when it is gone, it is gone.

Wegl13 · January 2015

After three weeks of dicking around, we actually sat down and did a budget last night! I hope it went as well for you, Ashley. Basically, we both decided that "the budget" would start in February, so that there was no discussion about whether the car jack he just bought was "fun money" or "car maintenance money" (um, it's fun money duh).

Princess Leia- I think my husband actually had a good idea for a compromise for what you are talking about. We each have a budget for gas money, but neither of us like to use cash for that. I'm going to write it in a notebook, but he said he's going to keep an envelope with that amount of money in his wallet and then just take out the amount he spent and put it in the dresser when he gets home: effectively he's recycling the same amount of money every time but he's actually using his card to make purchases easier. Heck you could almost do this with monopoly money. There's also an app I used to use, that is now called "Goodbudget." It's veeeery simple (or it used to be).

AprilH81 · January 2015

princessleia22 said:

DH and I have been having similar issues lately, regarding the little spending habits. He thinks I overspend on stupid stuff and I think he overspends on stupid stuff... we just have differing opinions on what we want to spend our money on. We definitely need to sit down and analyze our spending and set up a budget. We've looked at all our main bills and stuff and know what disposable money we have, but never really budgeted for the disposable money. We just check our account balances online regularly and if it's low, we slow down on spending... not the best way to do it. So, we do have plans to sit down and create a full budget. We have also talked about setting aside an "allowance" amount for each of us. Like, say we each have $100 a month to spend how we choose, no questions asked. But even that has some debate. I think we should just have cash for the allowance, but DH prefers to use debit/credit card. Using a card makes it much harder to control the spending though or to realize when you hit your limit. We may set up another checking account for the allowances or I've been looking at pre-paid credit cards.

DH and I used a Budget App on our iPhones (but I think it is a Droid app too) called Good Budget. It is a virtual envelope system and we use our credit cards for EVERYTHING and we just record the amount in the appropriate budget category. So if I go get a massage I record the amount in my fun money envelope and I know how much is left for the rest of the month even though I put it on our joint credit card.

You can set the app up to reset the money every month or let the balance roll over or a combination.

It has really helped us both (mostly) stay on track with our finances. I started using it 3 years ago when I bought my car, I wanted to make sure I didn't lose track of the new car payment since I hadn't had one in a long time.

Wegl13 · January 2015

scribe95 said:

I spend $5 a month on a FB game I am addicted to. And I'm glad my husband doesn't judge me for it. In the end, it's a way for me to relax and spend my free time. And cheaper than buying books or going to movies (in moderation of course.)

And also, why wouldn't a car jack be car maintenance? You can't do anything fun with it.

We calculated out the cost to get an oil change done at Express vs. my husband doing it, and they are very, very nearly the same. If you factor in topping off your other liquids, him doing it is more. So the car jack is really because he enjoys changing the oil and messing around with the cars and having toys (like a car jack).

Wegl13 · January 2015

The idea is that if it costs the same for him to change the oil vs having it done elsewhere (that's oil+filter vs package price at Express) then the extra toys he "needs" to do that task aren't really necessary for the car to stay maintained. I'm not sure it counts as a household chore if the labor costs to have someone else do it are basically free.
And I get the tractor love- we keep looking at a cute little Cub on Craigslist with a 5 point hitch that is AMAZING. But if your husband insisted on having a fully restored 1950s model Massey to "maintain" your quarter lot, you'd probably put the tractor and it's associated maintenance under fun and play, and not work, right? Because it's not really the best or even a good option as a way to cut your grass. (You being hypothetical- I am guessing your tractor is neither fully remodeled and that you have a bit more than a quarter acre).

KatieinBkln · January 2015

AprilH81 said:

princessleia22 said:

DH and I have been having similar issues lately, regarding the little spending habits. He thinks I overspend on stupid stuff and I think he overspends on stupid stuff... we just have differing opinions on what we want to spend our money on. We definitely need to sit down and analyze our spending and set up a budget. We've looked at all our main bills and stuff and know what disposable money we have, but never really budgeted for the disposable money. We just check our account balances online regularly and if it's low, we slow down on spending... not the best way to do it. So, we do have plans to sit down and create a full budget. We have also talked about setting aside an "allowance" amount for each of us. Like, say we each have $100 a month to spend how we choose, no questions asked. But even that has some debate. I think we should just have cash for the allowance, but DH prefers to use debit/credit card. Using a card makes it much harder to control the spending though or to realize when you hit your limit. We may set up another checking account for the allowances or I've been looking at pre-paid credit cards.

DH and I used a Budget App on our iPhones (but I think it is a Droid app too) called Good Budget. It is a virtual envelope system and we use our credit cards for EVERYTHING and we just record the amount in the appropriate budget category. So if I go get a massage I record the amount in my fun money envelope and I know how much is left for the rest of the month even though I put it on our joint credit card.

You can set the app up to reset the money every month or let the balance roll over or a combination.

It has really helped us both (mostly) stay on track with our finances. I started using it 3 years ago when I bought my car, I wanted to make sure I didn't lose track of the new car payment since I hadn't had one in a long time.

Wow, this sounds great! I will have to check that out for myself (I am trying to save money this year, dammit).

AprilH81 · January 2015

KatieinBkln said:

AprilH81 said:

princessleia22 said:

DH and I have been having similar issues lately, regarding the little spending habits. He thinks I overspend on stupid stuff and I think he overspends on stupid stuff... we just have differing opinions on what we want to spend our money on. We definitely need to sit down and analyze our spending and set up a budget. We've looked at all our main bills and stuff and know what disposable money we have, but never really budgeted for the disposable money. We just check our account balances online regularly and if it's low, we slow down on spending... not the best way to do it. So, we do have plans to sit down and create a full budget. We have also talked about setting aside an "allowance" amount for each of us. Like, say we each have $100 a month to spend how we choose, no questions asked. But even that has some debate. I think we should just have cash for the allowance, but DH prefers to use debit/credit card. Using a card makes it much harder to control the spending though or to realize when you hit your limit. We may set up another checking account for the allowances or I've been looking at pre-paid credit cards.

DH and I used a Budget App on our iPhones (but I think it is a Droid app too) called Good Budget. It is a virtual envelope system and we use our credit cards for EVERYTHING and we just record the amount in the appropriate budget category. So if I go get a massage I record the amount in my fun money envelope and I know how much is left for the rest of the month even though I put it on our joint credit card.

You can set the app up to reset the money every month or let the balance roll over or a combination.

It has really helped us both (mostly) stay on track with our finances. I started using it 3 years ago when I bought my car, I wanted to make sure I didn't lose track of the new car payment since I hadn't had one in a long time.

Wow, this sounds great! I will have to check that out for myself (I am trying to save money this year, dammit).

@katieinbkln it is also web based if you don't want the app (but if I don't input the purchase in the app immediately I forget and then the app is worthless because it isn't accurate).

You get 10 free monthly envelopes and 10 free Annual/Irregular Envelopes with the free app. So our envelopes are Car-Gas, Groceries/Supplies, my fun money, DH's fun money, Mortgage/utilities/cell phones, Entertainment, Church/Charity, Car Insurance, Home Improvement and our ROTH savings. Our irregular enveloepes are vacation, Christmas/Gifts, general savings and savings for a new TV.

I like that you can virtually transfer funds from one envelope to another without it affecting your bank account balances. Periodically I will check the savings accounts to my app balances to make sure they match and since we use a credit card for EVERYTHING I will do my best to go line by line on the statement to make sure that the purchases were recorded but I get lazy about that a lot.

I'm just going to vent here, since I know I'm being a little unreasonable...

Re: I'm just going to vent here, since I know I'm being a little unreasonable...

Choose Another Board

Search Boards