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Talking About Money Matters

3 Things by Jordan Page, The Fun, Cheap or Free Queen

3 Things by Jordan Page, The Fun, Cheap or Free Queen

Truth

Talking about money with your spouse will make you cry. Sad, but true. However, that’s not the truth I want to drive home, here. The real truth is:

There is hardly anything more important in your marriage.

Well, maybe that’s being a bit rash. There are plenty of things that are important in your marriage. But talking about finances should be at the top of your list.

Why is this so important? Not talking about finances with your spouse/family is like never visiting a doctor, ever, in your entire life. If you never visit a doctor, how do you know how you’re doing? How do you know if you need improving? How do you know if you’ve got toxic cancerous cells that are threatening to flip your entire world upside down?

You don’t.

That being said, there are easy, “tear-free” ways to go about it. In my family, for example, we divide up the responsibilities. Think of it like a corporation. In any well-run company, there aren’t two Presidents, or CEO’s, or CFO’s, or even HR Directors. Everyone in upper-management is given a specific role based on their talents, expertise, and functional role in the company, with responsibilities that no one else has. But everyone is still working for the same “company” and striving toward the same common goal.

So why should it be any different in your own family? Why should you both pay the bills? Both do the grocery shopping? Both be in charge of paying the school fees? Sure, it’s possible. But really, is it practical?

In my family, I am a SAHM and I tend to spend the bulk of the money (shocking, I know), so I get the bulk of the budget.

I’m the one that cooks and takes care of the kids during the day, so my financial responsibilities include (to name a few) groceries, school fees, clothes money, and medical bills, since I’m usually the one taking the kids to the doctor.

My husband works full-time, so some of his responsibilities are paying all the bills, utilities, and insurances—and he’s in charge of date nights and taking care of the cars, since I have no idea what the heck I’m doing.

Now, I understand that this will be very different from family to family, I’m just illustrating what works for us. The real thing to note here is this: our responsibilities don’t cross paths. At all.

We added up how much we reasonably need to cover each of our responsibilities in a month (trying to be conservative, but realistic) and there you go. For me, that money is automatically drafted to my account each month and I can spend the money however I see fit—as long as I am staying on-budget (which has been much easier since discovering the easiest way EVER to track my budget). My husband trusts me, and I’ve given him 110% reason to. Same with him—he gets his budget, and as long as his financial responsibilities are taken care of, I don’t really care how he spends it.

Well, what happens if your spouse is a big spender and has no interest in being frugal? (I get this question a lot.)

Easy.

We get our budget drafted to our accounts, and that’s the money we have direct access to in the month. It is what it is; it’s gone when it’s gone.

The best part is that we both have natural incentive to be as frugal as possible—so we can each have extra “fun money” left over at the end of the month to spend on whatever we want.

So yes, talking about money sucks. There’s just nothing sexy about it. But, if you ask me, it sure beats the consequences of ignoring the hidden cancer in your finances.

Tip

Did you know you can microwave rock-hard brown sugar and it will turn soft and sprinkly and delicious again? True story.

I’m sure we’ve all heard the tip where you can put a slice of bread in an airtight container of clumpy brown sugar and it will turn soft again (it really works, try it sometime!). Well, sure. But what happens if you’re like me (a chronic non-preparer when baking) and need the brown sugar to be bake-ready ASAP?

There is a solution, folks.

Last night I was baking cookies (which is rare, because there is just about nothing more I hate in this life than baking. My poor, poor husband…). I was cruising right along, patting myself on the back that I hadn’t epically failed during the recipe yet.

…and then I did it.

I got halfway through baking and realized I had no brown sugar.

DOH!

I scoured my pantry and cupboards and only came up with a 1/5 bag of rock hard nastiness.

I called my neighbor in a panic, ready to borrow (yet another) cup of brown sugar. Then she changed my life. No, really.

She taught me that you can put your clumpy brown sugar in the microwave. Start with about 45 seconds, then do 30-second increments until it’s sift-able again!

I used my fingers to break it up, but she said a fork works too.

The longer it sat, it started getting clumpy again, but if you do it right as you’re ready to toss it into a recipe—it works like a champ!

Brown sugar? Conquered it like a boss.

Now, if only I could bake a normal looking cookie. Ever.

Find

I just had my 3rd baby in 3 years. As you can imagine, my body is… well… rebelling.

Too get back at me, it’s decided to sprout these super attractive back-fat-love-handle combination things, that make wearing {just about anything} about as fun as rush-hour traffic.

This is tough, especially since I REFUSE to succumb to The Mom Jean. The suburbs got me. Elmo got me. The mini van recently got me too. But I will not surrender to The Mom Jean.

Being a frugality blogger, being frugal is in my blood. Literally. I get discount immunizations, even. So when I came across these babies, I about jumped for joy…

These skinnies come in different shapes (capri, ankle-length), and colors (dark wash, light wash, grey)…and only cost $7.80 right now at Forever 21.

00040043-01

Not. Even. Kidding.

No, I’m not 21 any more, but yes, they actually fit me. I bought 3 pair and I plan to go back for a few (or thirteen) more. They are comfortable, super stretchy, and have a high enough waist that they cover my oh-so-favorite lower back boobs. Hope you enjoy them as much as I do!

***

Contributor: Jordan from The Fun, Cheap or Free Queen
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Comments on this entry are closed.

  • Jenna@CallHerHappy August 28, 2013 at 2:10 pm

    Love that you totally own “I hate baking!” Awesome. It always feels like something you’re *supposed* to love, right?

    And, shame on you for telling me about those jeans. There goes all my money.

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