5 tips: How to get my husband to stop spending so much money

Okay, it bugs me. It bugs me when I try to save us money and next thing I see, my husband’s wasting money on stuff we don’t need. I “make-do” or “do without” and all he does is un-do it. Honey, I love you, but we have to do something about that spending.

Take yesterday for example. We were about to go for a walk before dinner, and I thought it was a good idea to have snack so I wouldn’t starve. And I wouldn’t spend money on outside-food. And there were those delicious pancakes his grandma had sent over.

“You should snack on something too,” I told my big man. He was getting dressed already.
“No, I’m not hungry, let’s go before it gets dark.”
“Still – [munch, munch] – here, take one. You’ll get ‘ungry.”
“No baby I told you I’m not hungry, now are you ready yet? Hurry up!”

We were out of the building in two minutes, thanks to my multitasking abilities (munching pancakes and getting dressed). About two more minutes later, he says:

“Hey, little owl*, let’s get some peanuts from the store.”
“Now? We’re on a walk!”

Money or family?

Mom came for a visit today! Yaaaay! We took a long walk, sat down for coffee and talked… A LOT.

Me with some of the dancers at a Christmas party
Me with some of the dancers at a Christmas party
Mom and dad started a dance school back in 1994. I’ve been a dancer since day 1, starting when I was only ten years old. Mom and dad worked together until 2010 when dad passed away. That’s when I left the big city and came back home to live with mom.

I started helping out at the dance school. At first I only taught dance class two nights a week, but then quickly moved up to five nights a week, then more. I also had a full-time job. I left for work at eight in the morning, got off work at five-thirty, and turned the music on at the dance hall at six. We’d finish at seven and I’d be home by seven-thirty – unless of course I was doing two groups that night. And if there was a dance contest or other event coming soon, I got even busier.

Read moreMoney or family?

Life is unfair – but you can still win. Change your luck!

Fortuna - the Roman goddess of Fortune. She's blindfolded.
Fortuna – the Roman goddess of Fortune. She’s blindfolded.

Imagine this: you’re patiently waiting in line, and waiting, and waiting, and just when it is finally your turn, someone jumps the line and takes the last item right under your nose.

Imagine that: there’s an opening for a promotion at work. You’re the most experienced person for the job, you’ve always done your best, and you’ve helped bail the team out more than once. When HR does the annual appraisals, you always get great reviews. The boss even gives you a pat on the back and hints that you’ll be up for promotion the first chance they get. So now that there IS a vacancy, you have all the reason to believe it’s gonna be you.

But at the next staff meeting, they announce that the promotion goes to… Jane. Jane who is always late, who has less experience than you, and can’t even do Excel.

Well sh*t.

Read moreLife is unfair – but you can still win. Change your luck!

Money and positive thinking: here’s what you have to do

yodaMy husband says there were two books that changed his life: “The Secret” and Mind Power Into the 21st Century: Techniques to Harness the Astounding Powers of Thought. Both books are about positive thinking. They teach the importance of thinking good thoughts, and also claim that you can have anything you want.

YOU CAN HAVE ANYTHING YOU WANT

When people read “The Secret” and get to “you can have anything you want,” many people think “WHAT?! Anyone can have anything they want?! Bullshit!”

This kind of answer is the wrong one, folks,

Read moreMoney and positive thinking: here’s what you have to do

My New Year’s resolutions: no resolutions, no budget

Happy new year, everyone! :) Hope you had a great time saying buh-bye to 2013 and welcoming 2014. 2013 was a great year for our family and I was kind of sad to see it go. But hey, 2014’s gonna bring us our baby, so YEAH! ROCK ON! :)

And now, on with the first post for 2014. Enjoy!

New-Years-ResolutionsI stopped keeping a budget.

Budgets are for newbies. When you are just starting to use a budget, it helps you see more clearly. You write down things you may otherwise forget. All of this helps you when you feel overwhelmed. Budgets are good for people who are just getting to know their personal finances.

But over time, you get used to the routine activities of managing your money: pay bills first, keep spending down, pump up your savings account. Watch out for those irregular expenses like taxes in April, gift money for Christmas, and paying the car insurance. Yaaaaaaaaaawwwwwwn. Trust me, once you’ve done this for a couple of months, you’ll be able to do it in your sleep.

Read moreMy New Year’s resolutions: no resolutions, no budget

Rich, poor: Why the poor are screwed

Image: globaleduc.wordpress.com
Image: globaleduc.wordpress.com

This truth is self-evident: it sucks to be poor. I mean, it sucks so obviously that even the kids know it.

I’ve felt poor many times in my life. When I was little and I desperately wanted a Barbie. When I was graduating high-school and didn’t want to go to prom because dressing up would be too expensive. When I was in university and only came home once in 6 weeks because that’s how long I needed to save for the train. When my dad died and I had all this debt to pay back.

Read moreRich, poor: Why the poor are screwed

How I moved on after my dad died: my success story

When you make a Big Strategic Choice, it’s not about doing something big, once. It’s about making many tough little choices, over and over.

Getting fit, for example – let’s say that’s your Big Strategic Choice. Hitting the gym for one big workout three hours straight would be a bad decision because the next day you’ll be sore all over and you will have no visible results. Instead, you have to make lots of everyday little choices in line with your Big Strategic Choice. That would mean eating an apple instead of a chocolate, and taking the stairs instead of taking the elevator. (More on that in Why the rich are rich and the fat are fat.)

Read moreHow I moved on after my dad died: my success story

Are we rich or poor?

Image: MikeAndMollysHouse.com
Image: MikeAndMollysHouse.com
I’ve been thinking a lot about the ways we spend our money lately. And I came to wonder how we look to other people.

If you look at me in my casual, slightly worn-out clothes on my way to the grocery, and you notice the wind playing with the cloth bag in my hand, you’d think I don’t look very classy. You’d see old trainers on my feet, and maybe you’d catch a glimpse of my shopping list as I put it in my pocket – a shopping list that’s written on the back of a calendar sheet reading “GUST”. (When I tear off calendar sheets, I cut them into really small pieceds and then staple the little ones together to later use for notes… or shopping lists.) Judging by what you saw when I walked past you, you’d think I look like someone who counts the pennies in their hand. (Which I do.)

Let’s say you follow me to the store and watch me shop. You’d see me regularly check my shopping list and only take the items which go there. Those would be things like meat, fruit, white cheese, bread – and usually no potato chips, instant meals or pre-cooked food. In other words, I only buy meal ingredients, stuff that’s used for cooking and no junk or lazy food. Seeing that, you’d again think I look like someone who is… well… poor.

Read moreAre we rich or poor?