Journey to £0 by 2020, with a few bumps along the way

chelseablue

enthusiasticsaver wrote: »

So he has run out of money but hasn't contributed to Xmas presents? What has he been spending on? Tell him, quite honestly that you are paying off a credit card and have bought Xmas presents no nothing left. Does he pay to a joint account for bills and food?

Exactly!

I know his mobile phone bill this month was £90, plus about £40 a week on petrol

Then beer and tobacco, he hasn't bought any clothes or been out anywhere

Yes on pay day he transfers his half of bills and food into my Halifax account. This account is just in my name and he doesn't have any access to it

chelseablue

Husband has just text me:

"Can you pop £20 into my account please"

I replied saying no sorry I send all my money to the credit card

Then he replied saying "you must be able to lend me it please"

I just said sorry I don't have it

Now, I feel I bit miserly saying no as its not as if he asked me for £200.
But on the other hand if I don't say no he'll soon ask again for more.

Now Im worrying if he doesn't even have £20 how is going to buy petrol to get to work??

Tropically

If he doesn't face consequences from his overspending, he doesn't seem likely to learn to stop it.

Jox

I know how you feel, I bail my hubby out quite a bit but like Tropically says, they don't learn their lesson like that...

Why is his mobile £90, is there any way he can reduce that in future?

enthusiasticsaver

If you continue to bail him out he will never learn. Tough love. Tell him he is not even trying if he is spending out on beer tobacco and £90 mobile bills. He is not a child, he is an adult and adults have to be responsible. You seem to be the only responsible one in this relationship.

chelseablue

Haven’t heard from him since and he hasn’t come home yet from work, he finishes at 4:30 and it’s now almost 10:30

Not even a text to say I’ll be back late

Blooming glad I didn’t give him any money now!

enthusiasticsaver

chelseablue wrote: »

Haven’t heard from him since and he hasn’t come home yet from work, he finishes at 4:30 and it’s now almost 10:30

Not even a text to say I’ll be back late

Blooming glad I didn’t give him any money now!

Three guesses why he wanted the £20 then? Inconsiderate too. Hope you hadn't cooked a meal for him.

If he doesn't even have £20 and does not get paid until 25th November that is still 10 days that he needs to cover. He sounds like he needs to get a grip on his spending.

chelseablue

There's £18 in the bills/food account to last until Monday

Will just need to do a small top up shop of milk and bread

Husband will obviously ask me to buy him some beers out of it

Of course I've got plenty left in my own spends account but why should I pay for him to drink and smoke?

enthusiasticsaver

chelseablue wrote: »

There's £18 in the bills/food account to last until Monday

Will just need to do a small top up shop of milk and bread

Husband will obviously ask me to buy him some beers out of it

Of course I've got plenty left in my own spends account but why should I pay for him to drink and smoke?

I would not get them for him. He needs to learn to manage his money better and he won't do that while he has you to prop him up. Beer and cigarettes are not essentials but food is. Might be a good idea to remind him he still owes you for Christmas presents.

chelseablue

enthusiasticsaver wrote: »

I would not get them for him. He needs to learn to manage his money better and he won't do that while he has you to prop him up. Beer and cigarettes are not essentials but food is. Might be a good idea to remind him he still owes you for Christmas presents.

I'm getting his present money on Monday when he gets paid apparently :rotfl:

I might just say there's no money left, he cant spend what isn't there.

I am going to be SO annoyed next week if I've got to pay for all the presents