DH can't budget! His eyes would glaze over if I tried to talk about budgeting. I finally figured out he 'felt' deprived as a kid growing up in a middle class family who lived in a very wealthy district. His buddies were able to buy tickets to expensive sport and entertainment events etc. All it took was a name change to get DH on board. We operate on 'cash flow' which sounds more business-like, professional, and do-able.
For friends and colleagues who endlessly whine about money problems, I've suggested they develop a financial road map. After all... if you don't know where you're going...how do you expect to get to your destination. DSteve put it well...if you spend money on abc...there is no money for xyz.
I hosted a BBQ for some colleagues and because I was bored with their constant moaning about CC bills, I took a sheaf of $5. bills out of my pocket and let the wind blow them out of my hand, off the deck, into the yard. Two of the gals scrambled to retrieve the bills! When they brought them back I thanked them... and explained that paying interest on a CC was like letting the wind blow away your earnings. It's the only time I was ever able to make my point and see that the person 'got it!'
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