Forgive me for the throwaway account.
My wife and I have a good income for our age, and are very happy together. However, she is terrible with budgeting her money each month. We were together for a pretty long time before getting married and I knew that she wasn't the best with her spending, and she agreed.
We have been married for three years now and while we make good money, I'm stressing out more and more about our finances.
We have separate accounts because of her spending habits and we are both fine with this setup. I did not want to combine accounts because if she sees money in her account she looks at it as money she is able to spend. Because of this, her account is paycheck to paycheck.
We have had talks about how she needs to start saving more, but it always seems like she tries for a little while, then reverts back to her bad spending habits after a little while.
A few months ago we recently had to put our daughter in daycare, and with this new cost, things are tighter than ever. Since this time she has run out of money in her account where I would have to give her money to make it to the next paycheck and cover bills that she usually covers. Because of this my savings account has slowly gone down to near nothing.
I know a large chunk of what eats her account is how she chooses to eat. Because of our schedules, we don't have time to cook on weekdays. We will usually buy groceries that are really easy to make quickly for dinner. However, she ends up ordering something with Favor or Uber Eats and it turns into five dinners per week that usually cost about $40/meal because those apps have basically $15/per delivery a lot of times. She also says that buying our daughter toys is a stress reliever. So every other day when we get home, there are packages at our door that are different things for our daughter.
Like I said we have talked about it a lot, but it seems to wear off after a while, and now it's starting to worry me that we are spending more than we are making the last few months. I'm having trouble getting through to her in terms of the long term. Has anyone had a similar situation that they were able to fix?
Sorry for the length, that was longer than I was expecting.
Submitted August 14, 2017 at 05:47PM by PF_Throw12122012 http://ift.tt/2vVJGbK
