My husband spends too much money… or is it just me?

I’m 28 and my husband’s 35. We met a year ago. Six months later we moved in together, I got pregnant and we got married. Everything is great… except that I get angry each time my husband spends money.

For example, we’re at the store and he buys potato chips. He doesn’t need them. He’s not buying them because he’s hungry. He just “wants some.” Or he takes the car to work even though he has a buss pass. He doesn’t need to take the car. He just “doesn’t feel like taking the bus today.”

Now I don’t mind it when he spends money on buying a good jacket instead of a cheap Chinese-made model. And I didn’t mind it when we recently bought a pricy range hood for the kitchen – it was actually me who insisted on not getting the cheapest one.

So I don’t have a problem with him spending money on stuff that lasts. But I do have a problem with him wasting money on everyday perishables like snacks and drinks. (I can’t even call it “food” because, well, that’s not food.) And if we want to afford the quality items in clothes and appliances, we have to cut the spending on everyday junk. We shouldn’t take the car and spend money on gas when we have a buss pass. And we shouldn’t use a lot of water when we shower.

And by “we” of course I mean you, honey.

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My money problems (and wins): the story

MONEY: it gets shit doneWhen I paid back my debts in March 2011, I thought I’ve seen the last of money struggles.

Those debts came from a 2500€ business loan and one small personal overdraft I had for 250€ (2009). I was planning on paying back the big loan from the revenue the business would generate; however, the business started slow and we couldn’t wait out long enough for it to pick up. There was some cash-flow (more like a trickle) but it wasn’t even enough to cover the monthly expences, let alone pay back the initial investment.

A debt of alsmost 3000€ was crippling to a 24-year old who made 350€ a month; and when you factor in living costs, I could only afford 150€ towards the loan. At that rate, it would take me about 18 months to pay it all back – provided that I didn’t buy shoes or clothes in that time, provided that my rent didn’t go up in that time, and provided that no emergencies happened in that time.

Read moreMy money problems (and wins): the story