I have been married to my husband for over a year, have been his roommate for nearly three years and have known the man since college (over 10 years), but the relevant portion of this article is the three years that we’ve lived together and have struggled and failed to create a budget.
Sure, I have a mental tally of where my money needs to go in my head, as does my husband – but have we ever sat down and really hashed out what each of us makes, what we have in savings and what our future financial goals are? No, not really. All I know is that we need to get a plumber to our house to check out the funky pipe in our basement, we need to get estimates for this summer’s roofing project and if we have enough green left over, we’re going to build ourselves a fence.
But where is this money coming from? Do we have enough in savings? (And when I saw “we,” I mean my husband’s savings. We haven’t merged our bank accounts together yet. And that’s a whole other thing we procrastinate over.)
On this week’s to-do list, I have “work on budget.” And this time I mean it. I’m gathering my information now – what I’ve spent over the last three months – and delivering it to my husband. We have another road trip scheduled for this weekend – plenty of time to hash out numbers and to set some goals.
Working on Your Debt?
Join our FREE newsletter to get even more helpful tips straight to your inbox.