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10-23-2007, 03:03 PM
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#41
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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Hmm, we're not tracking our spending, which is higher than we expect.
This is all sounding familiar...
I think you oughta nag the wife until she develops a tic as well. Then you might get to experience some different budgeting problems
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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10-23-2007, 03:11 PM
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#42
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2003
Location: Hooverville
Posts: 22,983
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Quote:
Originally Posted by twaddle
How do you enforce a budget?
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Easy! Just tell her no more whoopee until she gets her spending under control.
Ha
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
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10-23-2007, 03:12 PM
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#43
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Posts: 1,703
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Quote:
Originally Posted by cute fuzzy bunny
Hmm, we're not tracking our spending, which is higher than we expect.
This is all sounding familiar...
I think you oughta nag the wife until she develops a tic as well. Then you might get to experience some different budgeting problems
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C'mon, CFB, share some insight with me. You're a reformed fatwallet addict, aren't you? Or are you still consuming at full force?
Everything is getting so much cheaper, we can't resist the bargains. Bargains are everywhere! Must resist.....
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Emancipated from wage-slavery since 2002
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10-23-2007, 03:36 PM
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#44
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Full time employment: Posting here.
Join Date: Mar 2007
Location: Anchorage
Posts: 731
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OK, as a wife with an online spending habit, I control it with limiting what I have in Paypal and the bank account to which it is linked. I did tell Paypal about a credit card but it was not required and has never been hit by Paypal, and it is a credit card that is mine alone (not DH's). I have the Paypal linked to a bank account at a bank that I only use for Paypal, just in case my Paypal gets hacked. It works for me.
BTW I fund my Paypal with what I make selling my junk on Ebay. That limits me even more.
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10-23-2007, 03:51 PM
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#45
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Moderator Emeritus
Join Date: Jun 2007
Location: At The Cafe
Posts: 6,873
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10-23-2007, 03:58 PM
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#46
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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Quote:
Originally Posted by twaddle
C'mon, CFB, share some insight with me. You're a reformed fatwallet addict, aren't you? Or are you still consuming at full force?
Everything is getting so much cheaper, we can't resist the bargains. Bargains are everywhere! Must resist.....
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Easy. I look at all the crap in my garage, spare room and office and realize I'd only be adding to the pile. So I have a simple rule. Something comes in, something goes out.
My wife doesnt buy much very often. A lexus every now and then. A Coach purse once in a while. Giant honking diamond rings and earrings. Other than that, she's pretty much not a shopper. Heck, she likes budweiser... : :P
I'm desperately resisting the purchase of a larger compressor. I dont need it. It wouldnt really do anything that my small one wouldnt do. But I could sit in the garage and grunt at it.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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10-23-2007, 04:01 PM
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#47
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Quote:
Originally Posted by haha
Easy! Just tell her no more whoopee until she gets her spending under control.
Ha
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See dictionary for "self-fulfilling prophecy"...
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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10-23-2007, 05:07 PM
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#48
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Posts: 1,703
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Quote:
Originally Posted by cute fuzzy bunny
So I have a simple rule. Something comes in, something goes out.
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Yeah, DW has a similar rule. She periodically takes a load of stuff to goodwill in order to make room for more new stuff. But the stuff that goes to goodwill is perfectly good stuff -- just the "wrong" style or something.
I do the same thing, I guess. Out with the depreciated assets, and in with the newly purchased stuff. Somehow, it doesn't seem like a good long-term solution.
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Emancipated from wage-slavery since 2002
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10-23-2007, 05:10 PM
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#49
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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I guess for a long term solution you could seek to find other ways to fill the internal hole you're trying to stuff merchandise into.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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10-23-2007, 05:13 PM
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#50
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Posts: 1,703
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Quote:
Originally Posted by cute fuzzy bunny
I guess for a long term solution you could seek to find other ways to fill the internal hole you're trying to stuff merchandise into.
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Well, you fill that hole for me, but you don't post as often as you used to.
I do get a buzz from a bargain, I guess. Walking away is like leaving $100 bills on the ground sometimes. But I will be strong! Thanks for the psychoanalysis, doc.
__________________
Emancipated from wage-slavery since 2002
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10-23-2007, 05:17 PM
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#51
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Moderator Emeritus
Join Date: Feb 2004
Location: minnesota
Posts: 13,228
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Maybe an internet vacation? Such as having one week a month where you do no discretionary shopping, no looking for deals. Maybe the two of you have become too good at shopping.
__________________
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No more lawyer stuff, no more political stuff, so no more CYA
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10-23-2007, 05:22 PM
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#52
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Posts: 1,703
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Quote:
Originally Posted by Martha
Maybe an internet vacation? Such as having one week a month where you do no discretionary shopping, no looking for deals. Maybe the two of you have become too good at shopping.
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That actually sounds pretty good. But it's too late. I already had the neural wi-fi implant put in. My mind has melded with the net.
Seriously, this is not an addiction, and it's not out of control. I'm just looking for a simple negative feedback loop that doesn't involve nagging or guilt trips.
__________________
Emancipated from wage-slavery since 2002
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10-23-2007, 05:26 PM
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#53
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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Quote:
Originally Posted by twaddle
Seriously, this is not an addiction, and it's not out of control.
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Come now twad...isnt the first step is to admit that you have a problem and are powerless to your addiction?
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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10-23-2007, 05:28 PM
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#54
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Posts: 1,703
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Quote:
Originally Posted by cute fuzzy bunny
Come now twad...isnt the first step is to admit that you have a problem and are powerless to your addiction?
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I knew that was coming. Next up: "when did you stop beating your wife?"
OK, I'll try the credit card limit or paypal thing and see if that works as a non-fascist gentle budgetary reminder.
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Emancipated from wage-slavery since 2002
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10-23-2007, 05:35 PM
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#55
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Moderator Emeritus
Join Date: Feb 2004
Location: minnesota
Posts: 13,228
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I am curious as to how it goes; let us know.
But if it is not a problem don't make it a problem.
__________________
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No more lawyer stuff, no more political stuff, so no more CYA
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10-23-2007, 05:53 PM
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#56
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Moderator Emeritus
Join Date: Jun 2007
Location: At The Cafe
Posts: 6,873
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Quote:
Originally Posted by Martha
Maybe an internet vacation? Such as having one week a month where you do no discretionary shopping....
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I really like this one! I only go on-line at work which is a problem when I take an on-line class, but I know how to log on at the library. How would you advise me to continue this life-style?
My fifth grade teacher would have me write on the blackboard 100 times: I will not buy that laptop, I will not get a high-speed internet connection at home.
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10-23-2007, 06:11 PM
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#57
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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I have to admit, I also like to shop online... It's so convenient and you can find so many cool things to buy on the internet nowadays! And If I was single I would probably get in trouble with that stuff. But then there is the enforcer: My wife! I better not overspend, otherwise there is hell to pay... So there you are, now you all know my real secret to "enforce" our budget...
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10-23-2007, 07:22 PM
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#58
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Recycles dryer sheets
Join Date: Aug 2006
Location: Texas
Posts: 216
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Investment income goes into Vanguard spending account. Pension goes into "OUR" Checking account along with cash from Vanguard account to reach a predetermined amount monthly. Some money is transferred from OUR account to each one of HIS and HERS personal accounts. It is necessary that HIS and HERS receive an equal amount monthly!! We have 3 credit cards, OURS, HIS and HERS. OUR checking and credit card pay for all bills, auto costs, restaurants and other entertainment. HIS and HER accounts are for whatever we want other than necessary stuff (like gifts to family and each other)and when the money is gone, too bad. If too much money accumulates in the Vanguard account we purchase another index fund or fill up on one we are short on. If clothing is HER problem that would be one of the items that I would remove from the OUR account expenditures but be sure that HIS clothing also comes from HIS account. If she thinks HE spends too much on computer software then HIS account should pay for it. It is a negotiation until the boundaries are set but we have no trouble with this system.
2fer
__________________
Women and cats will do as they please, and men and dogs should relax and get used to the idea.<br />-Robert A. Heinlein
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10-23-2007, 07:50 PM
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#59
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Full time employment: Posting here.
Join Date: Mar 2007
Posts: 577
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Twaddle, put the card down and slowly back away and your spending will drop by about 15%, before you know it you'll be talking real money.
We returned to the cash envelopes almost three years ago and we're having trouble finding places to stash the extra cash. We can't completely let go of the cards though due to the convenience items you mentioned. So rather than a "gold standard" we have implemented a "cash standard" if you want to make a charge go for it as long as you have enough money in the envelope gas? adult clothes? kids clothes? etc... once you make the charge move that amount of cash out of that envelope to the spent on credit envelope which is the base we use to start next weeks cash disbursements. No spreadsheets or calculations if you can count currency you can stay within the budget.
__________________
I highjacked a rainbow and crashed into a pot of gold - Bon Jovi
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10-23-2007, 07:58 PM
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#60
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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Quote:
Originally Posted by Darryl
Twaddle, put the card down and slowly back away and your spending will drop by about 15%, before you know it you'll be talking real money.
We returned to the cash envelopes almost three years ago and we're having trouble finding places to stash the extra cash. We can't completely let go of the cards though due to the convenience items you mentioned. So rather than a "gold standard" we have implemented a "cash standard" if you want to make a charge go for it as long as you have enough money in the envelope gas? adult clothes? kids clothes? etc... once you make the charge move that amount of cash out of that envelope to the spent on credit envelope which is the base we use to start next weeks cash disbursements. No spreadsheets or calculations if you can count currency you can stay within the budget.
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I don't think he can do it!
The average American is in total denial about their addiction to credit cards and obsessive shopping, in my opinion. Ever know an alcoholic (or smoker) who would say, "Sure, I can quit drinking (or smoking), but I enjoy it so I choose not to quit."
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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