I could loan you my husband for a week. I'm not frugal,

• Need tips on teaching husband to be frugal..sm - luvmygirls
  • I could loan you my husband for a week. I'm not frugal, - but that's too much money.
  • I had an ex husband just like that - kyrie
  • www.craigslists.com there is a frugal board - kyrie
  • my solution - jss
  • I just recently went out and got my own account sm - husbands
  • Husbands and money - mt

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Here is the situation...for quite some time I have been trying to be more frugal and really watch my spending and our money.  It seems my husband is doing the total opposite.  I asked him while at the store to get some fabric softener for the laundry.  He gets an $8.00 bottle and I know this store has Downy for $4.99.  To some people $3.00 may not seem like much, but over time it does add up.  We do not have the extra money that we used to and he thinks nothing of spending constantly.  I have said things to him and he does better for a little while, but then it gets out of control.  I had to convince him that he had to get a part-time job because we were sinking fast as he changed jobs and took and major pay cut. 

He even asked me today after stating he wanted to go get something from the store why are we broke?  I said we are not totally broke, but we do not have the extra money to splurge either.  I go days without spending money.  Yes I work at home, but I do have to spend money on gas now because our oldest daughter started school this year.  Her lunch is $1.75 a day, but most days she wants to take her lunch box.  I am getting so frustrated with him.  I work two jobs myself as well as take care of the home and our kids (2).  I go to the grocery store and buy plenty of food (breakfast and lunch for him to take to work) and try to make sure that we are not going to the store just because, you end up spending way more money that way.  On the days he has to go to his part-time job he comes home before going to the part-time job.  I do not even see the real reason for coming home before going to the part-time job.  He is only home for 15-30 minutes before going to the part-time job.  The reason I think it is crazy for him to come home before going to his part-time job is the fact that it is 13 miles out of the way.  He is too old to break and too lazy to make the effort to change.  He is more about convenience. 

Some times I think if we were to split he really would not survive.  I handle all the money and frankly after 14 years I have come to the conclusion he has no money sense.  He says I nickle and dime him to death, but money in his pocket is money definitely spent.  He has to spend it or die and then looks pitiful when he is broke.  But guess what, I'm to the point where I do not even care when he does not have money because he should be more sensible.  Just as long as he has money for gas to go to work, forget carrying around money.  I feel like sometimes I am having to lie about money simply because if he knows it is there he finds a reason to spend it.  I told him he will never have anything because he just cannot learn to do without.

I guess I am finished fuming for now. 

BTW, there really is more to it than an $8.00 bottle of fabric softener, but over time it just builds....look for a bargain at least sometimes.

While we have a good income, a mortgage, 2 car payments and an RV payment - we have managed to pay off all of our credit card debt and don't really need to be frugal at this point in our lives.  But every time I go shopping (mostly at Target and Walmart) I still head for the clearance racks first.  I love getting a good deal.

In fact, every time I go shopping my husband knows I can't come home and just show him what I bought, there is always a story first about what a great bargain it was. I told him if we won the lottery I would still shop on the clearance racks!

Not a single bank wanted to loan us the money unless we paid all kinds of points and had a ridiculous interest rate - and only 1 out of 10 said they would do that.  The others turned us down flat. 

I guarantee if I had half a dozen kids and was on some kind of government assistance we would qualify. 

We will keep on keeping on, and hopefully something will change for the better. 

thanks everyone for your responses.

I am a self-employed IC and have purchased 4 homes in 4 different states as a single person.  I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2.  No tax info was used, needed or requested.  I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info.  But as a single person you can obtain a home loan based on your credit and not your tax info.  Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment.  You will have a short-term payment for the downpayment and your 30 yr note on the home.  I was also able to obtain very low interest rates based on my credit rating.

Good luck, I did have to provide extra documents when I purchased one home with my exhusband.

playing sports with a friend.  After showering he comes downstairs naked and tries to start a conversation with me. My "office" is in the living room and he is standing in back of the couch so I can't see any private parts, just him without his shirt, but I can see enough to know he clearly is naked! I think he wants me to be amused or get turned on or something, but I'm not amused one bit. In fact, I keep working and basically ignore him.

Poor guy. I swear he thinks he's Vince Vaughn or something. I should at least smile at him but all I want to tell him is to put some clothes on! ugh!

Not sure where to start here -- but I'll try to make this short and sweet.  In a roommate situation till I can get some bills paid.  Roomie sitch is a male and female couple and myself and I have a " significant other" who has lived with a male roomie for 12 years.  Nothing FUNNY is going on with the roommate situation and for me, here in the Miami area, just working and "digging out of the hole" so to speak. I rent a room am able to use the house where I live.

Thursday, I ended up getting a new cell phone after BATTLING with S carrier for a month.  It was a Motorola Q and while I know computers  -- this thing baffled me  -- Monday morning and it might be a return  -GRR.

Sorry, OLD lady here and I digress  -- anyway, with all the S***on Monday after being gone from my place for 3 weeks, the FEMALE roomie has done nothing but get on my case -- when I returned, unpacked, worked, and went to Long John Silvers.  The rest of the week, I had frozen shrimp and used a SMALL portion of her pasta. What I did not eat was put in a plastic container  and sealed in the fridge.Basically griping the whole week  -- NOTE -- she does not work and her BF supports

Thursday, was on the phone with Sprint, got new phone, went to Wal-Mart and got my haircut (after about a month and a half) and back to the house.  I then tried to get "new phone" working right and on with techs to very little avail, so gave it up and went to bed.  SO called me Friday morning and I loaded my car to make the trip to Miami  -- Friday afternoon, I get a call from the "female roomie" about the "mess I had left  -- 1 plate in the sink from pasta she had made and OFFERED, the restt of the shrimp was in the fridge, and when I cook, I clean afterwards.  The only thing in the sink was a plate, fork and coffee cup  -- I get a call Friday and she was BALLISTIC --telling me that she wasnt my maid etc -- HELLO?

Saturday, I was busy cause the new phone didnt work right and my son and his GF flew down here to go on a cruise so not online at all  -- I sign in late tonight and she had sent threats via my Yahoo account -- I really, HONESTLY think that because her "boyfriend controls her"  Here again too, she has no DL  -- NO car and if she dosent answer her phone, he would call my cell, but that changed when I changed my #  --

I'm rambling but...is this a thing where I call the "authorities" ?  I have done enough psych transcription -- BUT to get her to a hospital Im not sure what to do.

I am sooooooooo sorry that this was long but 3:45 here and I am REALLY scared of going back there tomorrow

Thanks

Go to after school activities (including sports), work (very limited hours) and church.  They are allowed on Friday and Saturday (I have two teens by the way) to make any plans that they want within reason of course.  Sunday is for church and family dinner unless other arrangements are made WAY in advance.  I have two younger ones too and they will have to abide by the same. 

Good luck!

I was gonna toss it, because it's just this little mouse that looks like a ladybug (queer, I know, but I'm like that!).  My husband is a gadget freak and took it apart, which consisted of removing 1 screw to separate the "shell."  Inside it was a TON of lint that was messing up the wheel.  He just blew it out and it was good to go.  Might want to give that a shot before ya chuck it.  This mouse is an optic mouse though, no ball on the bottom.  On the old ones, you can remove the ball and clean it as well if that's the case.