[crazyeight]

DH apparently does not know how to add or subtract. I am just urgh. DH has his own checking account for this very reason. If he were allowed to have free reign of the main checking account (he doesnt have any reign over it....its only in my name!! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol">) we would be so broke...ok we are BROKE right now but at least we aren't in the hole. DH's checking account has $135 worth of insufficent fees on it. He doesn't get paid until the 1st and of course hes going to charge MORE on it and get more fees and late fees or some crap like that. He only gets (ok not only he gets more than i do!!!) $250/mo. He gets in a seperate checking account and it should last him the whole month. He knows that its for his gas, occasional out to eat lunches and doughnuts (these are mandatory if hes late! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol">). And yet he buys crap all the time. I would rather him use the credit card if he needs a big purchase or to ask me if he needs more money. I know that his macho man crap really makes him not to want to ask but darn it GETS money every month without asking so why can he not ask for a little more?? OK well mostly i would probably say no because we don't have it. This month is the hardest we've had since we got married. We have cc's that for once in our marriage we aren't paying off this month. I am struggling to keep our heads above water. DH will be getting a pay raise in June (not much), he will be getting some bonus pay (about $1000 i think) in June but he plans to spend it on his car (which works perfectly fine just needs tires). I now that we need to use this money to pay off our debts and make sure that we have some kind of cushion. I am not asking for much. $400 would be nice!<br><br>
I am thinking about taking away his checking account and just giving him cash. That way theres no freakin fees. Course half of his next months money is gone already in fees which means that i will have to shell out more from the "family fund" to cover his excess. I know that its nice to have plastic so I thought about getting him a very low limit credit card but somehow i see him screwing that up too. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"><br><br>
Dear god i love the man but really....how is that he ever survived without me? <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink">

 

[Equuskia]

I think cash would be a good idea to try out. Once it's gone it's gone, and he'll have to learn how to manage it better if he wants it to last all month.

 

[charmander]

I agree. Cash is the way to go if you want to avoid late fees, which sound pretty much unavoidable otherwise.

 

[Nodtveidt]

...this is why I let my wife handle the money. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin">

 

[crazyeight]

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<div>Originally Posted by <strong>Nodtveidt</strong> <a href="/community/forum/post/7917826"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">...this is why I let my wife handle the money. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin"></div>
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yes he gave up when we were always in the whole the first 2 months of our marriage (with a new baby!). i took over and never asked. enough was enough! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"><br><br>
i guess I will have to give him an ultimatum (sp?). he did however get an offer for $100 to open a new checking account...so I think I will have him open it get the money (which will pay his NSF fees instead of our family money) and have direct deposit into it...but then not allow him to have a debit card and just go pull out cash instead until he gets a handle on it.<br><br>
I have been going over our budget over and over and over and I swear I have to create money out of thin air to get us out of this rut...I fear ruts as they become holes very quickly. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/redface.gif" style="border:0px solid;" title="Embarrassment">