Join Date: May 2003
Location: Formerly wishing I was there
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I don't know the equivalent to the Apple Budget software for PC.... You could always use Quicken. Our software is very basic (which we needed!) and only cost $20. We downloaded it off apple.com, I think.
Now to get your hubby on board...hmmm. Well, for us, once we saw everything written down, it was clear that we both needed to be on board with the budget. But we also made realistic estimates of our budget. For example, we have a "healthy" amount for entertainment. We KNOW that we will spend money there, so rather than lie to ourselves, we make adjustments so that we have money in that envelope. KWIM?
DH gets spending money that he doesn't have to answer to me about. He needs it since sometimes he has to go out to lunch with work people, etc. And I know he uses it to play his video games and buy a cd every once in awhile. But once its gone, its gone so he has learned to make it stretch!
He gets more spending money than I do since I am home. That may not sound "fair," but I realize I am more thrifty than he is... and I understand that if he feels really deprived, he'll be miserable and this won't work. So I allow him the extra money, knowing in the whole scheme of things, it just makes my life better too. And he has learned to be generous and throw me an extra $20 every once in awhile! LOL!
Also, we don't feel like we are totally deprived. If we want something, we know we can save for it and get it. It just may take a little longer.
For us, we have the knowledge that what we lose in material items over the next several years, we gain in love and a greater bond with our son. So whenever we get down about current financial shortcomings, we just look at the big picture of why we are doing it.
HTH. Good luck - it took a major life change for us to finally do it! : )