I have another older family member, who was at home full time. She never knew what her husband earned. She had access to money through cheque books etc, but had no idea of the big picture. She would worry if her husband made a big purchase, because she had no idea whether they could afford it. On the other hand, he would talk about his thriftiness regarding other purchases. So she was getting mixed messages. She was very sensible with money as it happens.
I see this situation a lot. Its the "Latte factor". Look it up.
Somebody on here was posting about having 7K a month nett income, and only managing to save 5K / year. WTF?
With that sort of income, I would be stashing at least 5K / MONTH.
Theres only 2 options - you either earn more, or spend less. Most people are not able to change their income. Therefore, the defense game always wins.
OP, listen, do you want to be a mindless consumer drone, or take back control of your future?
I dont care what the reasons are for OP wife to be spending so much - tell ye, as a man I would not put up with this, for one minute.
I dont care what the consequences would be. When I see how hard it is to make a buck - this is after tax money you are never getting back.
tell ye, as a man I would not put up with this, for one minute.
When I see how hard it is to make a buck
Op tell your wife to cop on and grow up.
....I can get free coffee at work, but I prefer to spend €6 a day to get something that I actually like. I couldn’t care less that compounded at 7% for the rest of my life that could be €X00,000. ....
Quick money saving tip
Chip in with a few colleagues for a Nespresso machine. The capsules run between 36-42 cents each (and can be ordered online, then delivered to your door).
Quick money saving tip
Chip in with a few colleagues for a Nespresso machine. The capsules run between 36-42 cents each (and can be ordered online, then delivered to your door).
I got to say, a lot of times i get better espresso from a Nespresso machine than a street barista.
Add to that the near-zero maintenance, the speed and the decent price...
I have one at home as it happens!
Not TomThis is so much more fun then the tracker redress forum. If this is you Tom i'm doing a runner when the redress comes in
It's a break away from her that I need. Married 28 years 2 children in their 20's both working. She worked a few jobs but never lasted in them except as a carer about 10 years ago but she packed it in after 4 years when they brought in those fetac courses, she reckoned that it would be too much for her to do the course. She smokes as well 30 a day. She is never satisfied always complaining about trivial things, you could say something as a joke and she'll pick it up wrong and make an argument out of it. Self employed so no set income and tax is paid in October so trying to put money aside for that is a problem.Two ways to deal with this;
Bring her away on a small break, and tell her you want to be able take more breaks together.
Spell out a romantic vision, and that by economising, you could achieve this.
Otherwise, fight fire with fire. Put money out of reach on salary day - Plough money into AVCs,
overpay the mortgage, or withdraw money randomly - tell her you have a gambling problem.
This has a big effect on your kids too. Bring them up in a household with expensive tastes and exotic holidays etc and that is what they expect. Except they may not be as successful as their parent. So who finances their high demand lifestyle? Their parents.
A risk for any decent earner at the moment - how to instill the "value of money" concept into kids who in reality will never really want for things in their life... I guess that will be another parenting challenge !!However, it is possible to educate your kids so they understand that in order to have a good lifestyle, you have to work and/or study hard.
Surely private income and business income are kept separate ?Self employed so no set income and tax is paid in October so trying to put money aside for that is a problem.
It's a break away from her that I need. Married 28 years 2 children in their 20's both working. She worked a few jobs but never lasted in them except as a carer about 10 years ago but she packed it in after 4 years when they brought in those fetac courses, she reckoned that it would be too much for her to do the course. She smokes as well 30 a day. She is never satisfied always complaining about trivial things, you could say something as a joke and she'll pick it up wrong and make an argument out of it. Self employed so no set income and tax is paid in October so trying to put money aside for that is a problem.
It's a break away from her that I need. Married 28 years 2 children in their 20's both working. She worked a few jobs but never lasted in them except as a carer about 10 years ago but she packed it in after 4 years when they brought in those fetac courses, she reckoned that it would be too much for her to do the course. She smokes as well 30 a day. She is never satisfied always complaining about trivial things, you could say something as a joke and she'll pick it up wrong and make an argument out of it. Self employed so no set income and tax is paid in October so trying to put money aside for that is a problem.
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