Quote:
Originally Posted by AmbitiousSaver
Ok, so after sitting down and figuring out a budget and how we're going to pay for our debts... set aside money every month to account for future goals (buy a car in cash, etc, etc) I figured out to do what we want to do for the next 9 years... we need to save a set amount a month
So I tell DH he can get a motorcycle in 2011
To which he say "Why don't you just tell me I can't get one then? Cause in 3 years something else will come up and I can't get one." He's up in arms about this cause earlier I told him we could use our tax return next year and get him a motorcycle, which with adjusting our withholding to pay down the CC debt... is no longer an option.
So I say "Look, all I'm saying is if you really want one, just set aside $175/mo for 3 years" and he responds "Why can't we just finance one for $175/mo if we can save that $175?"
And I told him "Cause we're paying interest on it every month vs EARNING interest"
Is there a way I can help change his thinking or make him see what I'm trying to do? His thinking doesn't make sense, right? And I'm not good at explaining things like that... he just thinks this is my round about way of saying we'll never get one
I'm just thinking "Jeez, he should be glad I'm thinking about HIS goal of a motorcycle and not MY goal for a horse." At least I'm trying to think of a plan to make it happen vs throwing my hands up in the air and saying "My dreams will never come true"
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Ask DH what is short, mid and long term goals are. Financially speaking. I have seen some of the replies already, but wanted to chime in on the OP before seeing all the replies.
Both of you need to align all financial goals together. The debt is a problem, but so are the goals of the other spouse. In my case I want to save for early retirement, where as my wife would like to take more vacations and more family time now. Your husband's need for toys should not be dismissed. But it should be rationalized within a budget both of you agree on.