Would you do this deal...

[Big A]

If ya'll are gonna start a family soon - now is the time to learn how to budget. You are on the cheap side of things right now, and it just gets more expensive with kids.

I'd sit down and have a long talk about future plans and what each of you will want financially. Sure, you can have the expensive cars and such, but that will mean scaling back in other areas (housing, eating out, etc) because there is only so much money to go around. You also need to remember to set some aside for savings and retirement too.

Make sure that you are not setting yourself up for years of being in debt and having no money.

From my understanding of what he's posted before, being "cheap" is out of choice, not necessity. I don't think they will be going into debt when a baby comes, but I also don't have their bank statements.

For me personally, if the Explorer is truly what she wan't after much thought on the subject, I'd do what's needed to make it happen and keep her happy. Now if she truly does like to spend on a bunch of BS, then perhaps making her make the majority of the payment would be a good lesson in budgeting, especially if she's the type to spend all of her check on shoes and shit. She needs to understand that she is able to do so because you are picking up the slack, otherwise she'll continue to do so rather than contributing to the household.

The caveat to that is that if she does an awesome job of keeping the house clean and dinner on the table. That type of thing is often ignored as the contribution that it is. If she just goes to work and sits on her ass at home, she needs to pay 100% of her own car payment, no matter what she can afford.

[FreightTrain]

We have tried the joint checking account and that ended very badly. I'm a cheap ass and save save save. If I don't save at least 3k a month I start to get really shitty with everyone. When we had a joint account I'd go out of town for work and come home to find out that she spent $200 to $300 on crap. I never buy anything and I also work like a dog to save as much as I can. This shit gets old quick when your wife drops a Benjamin without even thinking twice about it. I also found myself starting to nitpick every purchase she made with a debit card no matter how small it was. So in order to stop alot of arguing we decided to split everything up. As long as I'm saving my 3k a month I could give two shits what she is doing with her money as long as the lights stay on and the internet and cable work.

[SMKR]

Dude, it's your wife...help her out. Especially if you are gonna have kids soon.

yea, if she is your baby maker.

[Big A]

We have tried the joint checking account and that ended very badly. I'm a cheap ass and save save save. If I don't save at least 3k a month I start to get really shitty with everyone. When we had a joint account I'd go out of town for work and come home to find out that she spent $200 to $300 on crap. I never buy anything and I also work like a dog to save as much as I can. This shit gets old quick when your wife drops a Benjamin without even thinking twice about it. I also found myself starting to nitpick every purchase she made with a debit card no matter how small it was. So in order to stop alot of arguing we decided to split everything up. As long as I'm saving my 3k a month I could give two shits what she is doing with her money as long as the lights stay on and the internet and cable work.

Sounds like seperate is the way to go, but given her spending habits, if you help with the car payment, hten it's no different than her making thse purchases directly out of your account.

[Snatch Napkin]

Sounds like seperate is the way to go, but given her spending habits, if you help with the car payment, hten it's no different than her making thse purchases directly out of your account.

Yep.

To the OP... aren't y'all fairly recently married?
Your seperate account/bill payments/her spending situation sounds eerily familiar to how my marriage was with my now ex-wife.

I seriously hope it all turns out better for you than it was for me.

The money situation Jenn and I have is fucking perfect. We do not have money issues which means we never fight about it.

[WildBill]

FreightTrain is PW'd! LOL!

[Hmbre97]

Tell her to buy one a couple years old, let someone else pay the stupid tax on a new vehicle and to quit her bitching.

[FreightTrain]

FreightTrain is PW'd! LOL!

LMAO this site is slacking. Took 36 posts to get that reply. To be honest the 5k really isn't shit to me, but its agravating as hell because I do without all kinds of shit just so I can save money.

[Big A]

LMAO this site is slacking. Took 36 posts to get that reply. To be honest the 5k really isn't shit to me, but its agravating as hell because I do without all kinds of shit just so I can save money.

That sounds like something that you're gonna have to learn to deal with or get over, or you have a life of aggravation ahead of you. it's good to be that way, but your wife needs to understand that, and more importantly respect the fact that you want to be able to provide for her and still have savings to fall back on in emergencies. Which will undoubtedly arise once the child is in the picture.

[FreightTrain]

That sounds like something that you're gonna have to learn to deal with or get over, or you have a life of aggravation ahead of you. it's good to be that way, but your wife needs to understand that, and more importantly respect the fact that you want to be able to provide for her and still have savings to fall back on in emergencies. Which will undoubtedly arise once the child is in the picture.

You know how women are thats not good enough. She keeps hinting that we should be saving together. Every married man alive knows what that means. The man puts in 99.5% of the money into the savings account and the wife makes all the withdraws. Both my wife and I grew up in families where our fathers didn't deal with any of the finances. They just made the money. I've watched my mom and mother inlaw blow every penny of their husband's money and I won't stand for that shit. I refuse to live paycheck to paycheck or be poor.

[War Machine]

I'd choke my ol lady half retarded for even thinking of doing a such thing

[WildBill]

LMAO this site is slacking. Took 36 posts to get that reply. To be honest the 5k really isn't shit to me, but its agravating as hell because I do without all kinds of shit just so I can save money.

5K this time..............7K the next.......and so on.

[Denny]

Did you know she was money-stupid when you married her? If so, then you need to live with it.

[WildBill]

Did you know she was money-stupid when you married her? If so, then you need to live with it.

Wemens change!

[Denny]

Wemens change!

So does marital status.