How do I curb wife's spending

Pay_no_attention

satchmo1 wrote: »

Personally, I'd tell Mrs PNA to get a full time job if she wants money - then she'd have money to buy her "treats" AND less time to guzzle overpriced coffee after wearing herself out shopping.

So if we both work full time mrs pna should be able to keep all her income? I don't understand this logic. Why should all my income be used to manage household budgets and repay debt then?
Like a lot of people said we already have £50 each per week for personal spending. I never get through all mine.
It's the wasting of money that I find hard to deal with.

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maman wrote: »

I'm sure pna will respond but I think the idea was that coffees would be treats from any surplus in grocery budget. Unfortunately, Mrs pna seems to buy the coffees first and then shout when all grocery budget spent.

Yes that's about right. I have been thinking this week maybe I should divide the monthly budget into a weekly budget see if that improves the way it's spent.

666paw

Removed...

kelpie35

Pay_no_attention wrote: »

Yes that's about right. I have been thinking this week maybe I should divide the monthly budget into a weekly budget see if that improves the way it's spent.

I think that is a really good idea PNA :T

Then is there is no money left before the week in up she will not have the excuse that she can't remember where it has gone or what it was spent on.

It would also save you from worrying about the lack of food over a longer period of time.

You have the patience of a saint and have to be admired. :A

Well done on trying so hard to get you debts down with no support from the person who should be supporting you.

rainbowcattail

Sorry it's just registered its £50 PER WEEK for personal spends... That's £200 per month!!!! How can this not be sufficient for various including coffee? We each have £20 per week, both work full time luckily enough & I would resent allocating more than £20 per week to us when it could go on clearing other things. Maybe where you live is more expensive i spose.

Yes, I think you need to divide up your monthly budget into weeks & only give her a weeks worth at a time... Including 1/4 of the £50 in a separate envelope marked her coffee money.......

maman

rainbowcattail wrote: »

Yes, I think you need to divide up your monthly budget into weeks & only give her a weeks worth at a time... Including 1/4 of the £50 in a separate envelope marked her coffee money.......

I agree with the weekly budget idea. That way if you do run short, you're more likely to be able to stretch what's in the cupboards to get you through to the end of a week. A meal plan of 7 suppers before you do your shopping list should help too. What you could do is put £65 a week in the budget and then keep the rest (minus this month's overspend) for emergencies, especially as a weekly budget would leave you 3 days short at the end of the month.

Of the £50 each, does this include family meals/drinks out? Or is this another budget?

Pay_no_attention

maman wrote: »

I agree with the weekly budget idea. That way if you do run short, you're more likely to be able to stretch what's in the cupboards to get you through to the end of a week. A meal plan of 7 suppers before you do your shopping list should help too. What you could do is put £65 a week in the budget and then keep the rest (minus this month's overspend) for emergencies, especially as a weekly budget would leave you 3 days short at the end of the month.

Of the £50 each, does this include family meals/drinks out? Or is this another budget?

The £50 per week is used for clothes,haircuts (nails,makeup,beauty treatments etc) for my wife not me:). Yes also a meal out if we fancy it. Petrol and motoring expenses comes out of household bill money.
Where I can pretty much go all week spending £10 or £20 at the most on myself it never seems to be enough for my wife. I have noticed since we been doing the food budget the material items seem to have dropped off considerably.

System

Pay_no_attention wrote: »

I have noticed since we been doing the food budget the material items seem to have dropped off considerably.

This is great!!! :j

maman

Pay_no_attention wrote: »

Where I can pretty much go all week spending £10 or £20 at the most on myself it never seems to be enough for my wife. I have noticed since we been doing the food budget the material items seem to have dropped off considerably.

I'm delighted to hear that too.:)

Hopefully your wife is learning the 'cut your coat' principle. DH and I enjoy eating out too but only using money we've 'saved' by being frugal/sensible in other areas. It's all very well having expensive tastes but they can't be indulged when you're in debt. That's probably part of the reason she got there in the first place. If income drops then it's essential that spending does as well.

It reminds me of the Mr Micawber quote from Dickens:

"Annual income twenty pounds, annual expenditure nineteen nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

Pay_no_attention

I am sure someone above has it in for me. I now been informed my mortgage rate is going to rise next month. An extra £320 I got to find on a house that is sitting empty. I have just cleared an old debt that was going to make me £150 per month better off and in November another for £150 per month. Now this surplus money is being taken away from starting beginning of November , so I am no better off. :(:(