The ultimate incentive proposed! Buying a house, a wedding, and staying debt free.

Flower08

Morning everyone,

Sorry to hear your feeling so rubbish today Dinah. I think you are doing a brilliant job with the extra moneymaking and by doing so you have made some massive achievements! Just think how happy you'll both be when your living in your own home after getting married.
Got my fingers crossed for you that its nothing serious at the hospital.

So many people feeling ill at the minute! Hope you are all feeling better - fingers crossed i have managed to keep the yukiness at bay.

Cinny - i know what you mean about getting up this morning. The weather was horrible and dark, just makes you want to go back to bed. Its getting to that time of the year!!

Since we watched Home Alone the other day i have got the idea into my head of going to New York for christmas, and i had a dream last night that we did go!! Then back to reality this morning.

Poolie

Dinah93 wrote: »

Too ill for acrobatics.

Just wait till your back on your feet. Oh sorry for the puns.

Poolie

I didn't mean to put an end to all the conversation. Whoops!

Dinah93

NIMs mens group tonight, and I need to go back and sit down with the bank account and budget spreadsheets and update the last week or so. Work out if any of them are still positive except the car account (insurances due in a month), and transfer the money about if I have forggen to move any. I know the presents account will be nearing the £0 mark (bad since we need to get the center parks family pressie out of it!), the pet account is in the red (stupid kitty food) and so is the optical account (will be black again on the 25th though), and see how much bills ahve gone over by this month (NIMs phone bill £51 this month, £44 after a deduction for miscalculating last months, mine likely to be higher since we used mine all around Ireland, we only budget £60 for them both!). In all honesty I'm sick to death of it at the moment, and am tempted to take NIM up on his offer to take over our budgets for a few months, see if he can do better at it.

Poolie

Let NIM take over for a few months, but ask for a overall breakdown once a week so you know how your doing. That way you can still have a say but let NIM have the control.

Flower08

Oh Dinah hate to see you feeling so down about everything!!
I would be tempted to say let NIM take over, but would you be able to? I know i wouldnt be able to hand all the budgeting over to OH - i like to know whats what!

poddle911

Flower08 wrote: »

Sorry to hear your feeling so rubbish today Dinah. I think you are doing a brilliant job with the extra moneymaking and by doing so you have made some massive achievements! Just think how happy you'll both be when your living in your own home after getting married

What Flower said! You're working SO hard now, but it will pay off and married life will be a breeze *sigh* It must be tough when you don't feel like you're reaping the rewards for your hard work. Maybe you should let NIM loose with the budgets? I think he'd do an awesome job as he knows how much it means to you.

ETA: I agree with Poolie and Flower that you'll still want to have some control, but tbh I think you're so aware of your finances, you'd feel it if you were spending over budget! Checking the situation once a month (or fortnight) will keep you on track

Dinah93

I don't know, thats the problem. NIM has this cheery 'everything will be okay' attitude, without actually coming up with a way to make it okay, which with finances might make me kill him. I check the bank accounts everyday, whereas he hasn't even set up online banking and just asks me what we've got. Maybe if I got him to take over he might see why I am the way I am about money.

Tete_en_l'Air

I agree, he's probably like that because it's you who ultimately has all the responsibility. Also, (correct me if I'm wrong here) but he's never been in debt before. Much as having debt early in life is a bad thing, I do think it's character building and changes your attitude to money once you get older and have more financial responsibility. I don't think that's come across how I meant it to...

Sig's looking good Poddle!

Flower08

Dinah93 wrote: »

I don't know, thats the problem. NIM has this cheery 'everything will be okay' attitude, without actually coming up with a way to make it okay,

OH is exactly the same. Like end of next month our car needs its MOT but we know its going to fail - OH isnt even beginning to worry about that yet. And he never checks the internet banking either, but i do everyday.
Maybe it is because they know ultimately its us who take the responsibility of money. But then maybe if you let NIM tae control he would realise your concerns.