Skip to main content

5 Strategies to Manage a Household Budget When Your Spouse Won’t Participate


Managing a household budget is hard enough as it is – the last thing you need is a spouse who doesn’t seem to be on board with the idea. Whether your spouse prefers to dodge discussions about money or is simply a bit of an impulse spender, keeping the checkbook balanced is going to come with some challenges. Even if it can be a bit trying at times, it certainly isn’t impossible.


1. Learn as Much as You Possibly Can
When people are trying to create budgets for their households and save up for their goals, they can go one of two routes: they can either read as much as possible, or research financial advisors to seek out specialty services. If you’re feeling very uncomfortable about making all of the financial decisions on your own, a pro might be able to help. If your goals are modest, you’ll likely be able to handle things on your own, whether or not your spouse is willing to help.

2. Take on More Responsibility


If you’re the one that does the shopping, you’re the one that does the spending. If your spouse has a tendency to come home with expensive junk food or impulse purchases following every routine shopping trip, you can eliminate a lot of that impulse spending by running to the store yourself. If scheduling is an issue, see if any of your local retail outlets offer online shopping or grocery delivery. You can place an order on your lunch break at work and no one will be tempted by a sale. It’s even easier to do when you work from home, because you’ll be there to greet the delivery driver.

3. Create Goals Through Compromise
What does your spouse want more than anything? Is it a trip to Italy? Is it a new car? Is it a bigger house? If the end goal is to achieve something your spouse wants, he or she may be more willing to actively participate in the budgeting process. Your spouse will have a stake in the outcome of your budgeting and stand to lose something they really want if they misappropriate household funds. Compromising on an end goal will help to keep your spouse honest and active in the budget.

4. Keep Everything Out in the Open


Hang up a list of your monthly bills, grocery expenses, savings goals, and income in a place where your spouse can see it. Write out your working budget. You can always take it down when you’re going to have company. By leaving a constant visual reminder, your spouse will become accustomed to seeing and understanding the budget, whether or not it’s being openly discussed. Your spouse may think twice before making a big purchase, especially with easy access to the numbers that keep your household afloat.

5. Research Your Alternatives
One of the easiest ways to make a budget work, even with an unwilling participant, is to simply reduce the amount you’re spending on the same things you’re buying. This means looking at coupons and rebates for the things you currently use, or switching to a cheaper brand or comparable product. If you’re barely getting by on your current budget, making switches to alternatives whenever possible will free up a little more cash than you had before – or a lot when it all accumulates. These shortcuts are an effective way to begin taking small steps.




The last thing you want to do is constantly fight with your spouse about money – that kind of stress can put a tremendous strain on a relationship. Make sure all of your discussions about money are poised honestly and compassionately.


About Audrey:
Audrey Robinson is a traveler, a self-improvement fan and a blogger who enjoys sharing her tips and thoughts online. Audrey' favorite way of spending time is listening to motivational speeches on YouTube and reading self-growth books. Feel free to reach out to her on @AudreyyRobinson.

Comments

Popular posts from this blog

Copycat Boston Pizza's Bandera Bread

Have you ever had a craving for something but then once you looked at it you realized, I can make that myself for next to nothing? That's how I felt last night I thought about ordering in some food but then realized I really don't want to spend any money. I really wanted pizza bread from Boston Pizza. So I recreated it and oh my goodness was it ever good. Try some of these great recipes too!  Pizza Bread Dough 1 cup warm water 1 tsp instant yeast 1 tsp sugar 2 cups flour  Seasoning 1 tbsp melted butter 1 tsp garlic powder 1 tsp onion salt 1 tsp parsley 1 tsp rosemary 1 tsp basil 1 tsp oregano 1/2 tsp sugar 1. Combine the water, yeast, and 1 tsp of sugar in the mixing bowl and let stand for 5 minutes. Add the flour and salt and mix until a ball of dough forms. Roll ball onto a floured counter top and knead for a couple minutes.  2. Put dough in an oiled bowl and let rise for 30 mins in a warm place with a clean cloth draped over top. While your doug

DIY Table Revamp - Guest Post

Hi all! I'm Tiffany from This Motherhood is Brought to You by Xanax and I am so excited to be a part of the Guest Post Swap and to be Amanda's swap partner! I love love love her idea on how to make indoor snowballs with egg cartons. I am definitely going to have to try that with my kiddos since my smallest one has decided that it has to snow for Christmas. Poor baby doesn't know snow is hard to come by in Alabama :( For my guest post I wanted to share a little DIY with you guys that involves duct tape! A few months ago my daughter's little chair that goes with her table she sits at every day tore and she made it worse by pulling all of the stuffing out of the seat! What started out as a quick fix turned into a great idea. She loved her seat so much that she has now decided that her table has look cool too so being the smarty pants that she is, she tore her table!

Amazing Ways To DIY Your Nails In The New Year

Having beautiful fingernails can really boost a woman's confidence. Not only do they feel sexy and sassy but they look well maintained and professional. There are a number of different styles of manicures you can get done professionally but they can be costly and if you are trying to stick to a budget and save money it is best to give DIY a try. These beautiful nail designs are easy to do and look fantastic. There are some that are more intricate and some that are simple but all will be amazed that you made them yourself. Try using small gems and crystals at the tips to add a touch of sophistication.  Tips make a world of difference and they can be as easy as you wish. There are so many beautiful polishes that have amazing colours you can match. These simple nail designs can be done by any busy lady and make a lasting impression to anyone who comes across them. Hot Beauty Health has all the instructions for these super simple nail designs. There are a large number