Quote:
Originally Posted by LivingAlmostLarge
Sit and talk over a meal out. That's the only way I get DH to really listen. Without me, he would put everything on autopilot. Autopilot car payment, autopilot retirement, savings, etc. He's a very CHEAP guy and not spendy. When we meet he had like $30k saved and we could buy a condo together and he bought his own car and a small loan $5k.
My DH isn't irresponsible with money, heck no. It's just that he really isn't that into it.
I'm okay with that and he's completely into trusting me so he's more lax.
I break it down into small sessions if we have to talk focus on ONE point. Like today over dinner out I discussed if we should keep ESPP (on 7/1) invested or flip it and put it into a Money Market. We discussed the volatility and our chosen risk, and whether we were okay losing money. And how much we should leave in there?
That was about 10 minutes and that's it for awhile. Other money discussion was we can't afford an expensive vacation this summer, just a cheaper one. Another 10 minutes deciding how much to spend.
So 20 minutes. You gotta choose your battles before the uninteresed financial person stops listening, maat.
Besides, you have us to talk to. Your spouse probably like mine doesn't want to talk finances all the time.
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I think she will slowly come around. But she fights very hard to keep the status quo. Unlike her, I don't care what family or friends would think if we were to buy a less expensive house and drive cheaper cars. I hate that in the end, I have to demand, to make the necessary changes and when I don't I fear that we are at risk.
As we sit, we are debtfree other than the house. We have an EF of 10,000. We are investing 550.00 into IRA's and 600.00 into savings for a car-wedding-building fund. We can last a few years on the cars. The wedding though not set, could be early next year. The building is a monster in the closet.
I rent from my uncle at a very cheap rate. But the roof needs to be replaced and he will not do it. The city is planning to buy it out at a date undetermined. I could buy the building or move to another at a higher rent or purchase. Because we have next to nothing saved for a purchase-move, I feel we should sell our house and move to town freeing up equity and lowering our fuel costs. She wants to stay here and pray the sun will shine.
If the city buys him out soon, I will be forced to move and take on a higher rent, lowering my income substantially forcing us to move or invest much less. Here in lies the problem, I'm not giving an inch on the investing.
Life is full of fun challenges!!