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I might be a little sneaky

February 3rd, 2008 at 06:47 am

but one of the stepkids is here and we're out of bread and breakfast meat so he and DH decided to get Whataburger Taquitos for breakfast.

DH didn't think to take money from the food envelope (just like he didn't think to take it for the chips or granola bars he got) so I removed the amount he spent from the envelope and hid it away. I need to make the point with him that breakfast taquitos and chips count against the food budget and maybe this will do it. Right now there's $16 hidden that came from that envelope for 'snacks and stuff'. When we go grocery shopping next time and he wonders why so much seems to be missing, I'll show him the envelope with the deductions for Whataburger and chip purchases (and whatever else is there at that point) and maybe he'll see what's going on.

I'm not sure if I should return that money to the food envelope after the point has been made or if I should stick it in savings or if I should do something else with it.

Opinions and suggestions welcome!

9 Responses to “I might be a little sneaky”

  1. Aleta Says:

    Where did he take the money from? Do you have different places for money or did he write a check? Just wondering.

  2. DeniseNTexas Says:

    Well, the chips and granola bars he bought with cash that he had. I just asked him where the money for the breakfast this morning came from. It came from the main savings envelope, he said. Okay, so this money is going back in there! The problem is he seems to see that as a place for overflow so he dips into it. I wonder if I should have another one, a secret one. lol

  3. Aleta Says:

    He probably looks at the main savings envelope as the misc. envelope that is a catch all for everything. My husband has a similiar mindset. I told my husband that there definite expenses which includes savings not to be touched in CASE OF AN EMERGENCY, other expenses that have to be paid, descretionary and of course debt payments which could include proceeds from any extra expense such as food i.e. $60. and say that you only spent $55. You could put the extra #5. in a different envelope to go towards debt. We had a special account that was just for any extra money we could save as to send it to the current debt we were paying.

    When you first start these programs, there can be fights because it feels like you can't spend what you normally do.

    You might want to set up an envelope for such things as when the step-kid comes over and your husband can come up with ways to fund it. We use to sell aluminum for instance. I'm sorry it wasn't a special account; it was a category.

  4. Ima saver Says:

    Put it back in the saving envelope, I agree.

  5. nance Says:

    Since he took the money from the savings envelope, I would put it back in savings. Does he have and "allowance" every pay period? Maybe each of you should have an "allowance" to spend on extras. If he spends it all, he should wait until the next pay period. At any rate,
    Whataburger does not equate to savings.
    My step-grand daughter, who lives in Texas, though it was Water-Burger for years. Texas accent, I guess.

  6. DeniseNTexas Says:

    Aleta, I think you're right about that. We took the stepson home and talked about that on the way back. He said he meant to take it from his 'blow' money and when we got back, he put $20 back in the savings envelope. We haven't really set up allowance but maybe we need to. I just generally ask him for money when I need it and he keeps a little of what comes into the shop for himself. You're right, Nance, that Whataburger doesn't equate with savings. He immediately recognized and admitted that. lol
    I called it Waterburger for years, too. Wink
    Oh, and I realized that even though there are three pay periods this month, one isn't until the last day of the month. So when we got back I readjusted the amounts in the envelopes to reflect two pay periods. Using three was just cutting it way too thin. So far no fights between us. We seem to be on the same page for the most part. It seems a little restrictive to DH but he told me on the way back from taking his son home, "That 3 months of living expenses is where I'm headed." That tells me he is on board all the way and although it might seem restrictive he understands. Woohoo!

  7. Aleta Says:

    The reasons that I mentioned the arguments was because my husband didn't set up the budget with me. We had to start having categories that we never had before. For instance we had the new category for home maintenance. It takes a while to build up that fund and in the beginning you might have to buy something for the home and you haven't built up that account yet.

    I think that it's great that you and your husband are in this together. It saves alot of arguments.

    In the beginning we had to have a smaller emergency of 1 month. Once we had that, we could aim for 2 months of emergency funds. It will grow. Don't worry about the small beginnings. Like Dave Ramsey says, you're now telling your money where to go instead of it telling you where it's going. You definitely have the right attitude. You're going to do fine. It's just a slow process in the beginning.

  8. nance Says:

    What you are doing is going to work, because you are talking about it, and doing it together!
    It is good that you were able to discuss the "splurge" and that he realizes it wasn't in the budget. I understand that he probably needs to buy a treat for his son once in a while. It is nice to have even a small amount of money that is not "earmarked".

  9. Ralph Says:

    Wow, it sounds like you are much further ahead on getting your spouse on board than I am. I love a challenge (NOT)!

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