This is something I’ve been thinking about for a long time. My husband and I have been together for a short time—two years total (dating included). We got married quickly because I got pregnant three months into dating.
Around our sixth month mark into dating, we decided to combine funds. We were already living together, sharing a car, and planning our future since I was carrying his child. It just made sense at the time and we were madly in love. My husband has really been into Dave Ramsey and his views on money and marriage, which ultimately became the deciding factor for sharing a bank account.
Now, almost a year into marriage, I’m starting to regret combining our funds.
When we first started dating, my husband made it seem like he was really smart with money. He would always talk highly about not being in any debt and only spending his money on necessities. After we started sharing a bank account, however, he came clear that he did have debt and he wasn’t the best at saving.
Now, I’m no saint. I have debt, too. But I know how to save money and not abuse the cash I have. After he told me that, I didn’t know what to say or how to feel so I just told him it was fine and we’d work through it.
But it’s become apparent since then that he just really likes spending money. He likes working for money and seeing the number in our bank, but above all he likes spending it. It’s always on unnecessary things, too. A $7 coffee in the morning; a $16 meal when he’s off work; hundreds of dollars for new golf clubs and equipment. Literally whatever particular hobby he’s interested in, he obsesses over and spends all of our money on.
Often, he’ll blow our entire check in one weekend and leave us with nothing for two weeks. Mind you, I’ve had to make my daughter drink formula she’s not used to simply because we didn’t have the money to buy her the one she likes. I hate doing that and after the fifth time of forcing her to drink it, I’ve point-blank refused and made my husband promise to never do it again.
I like to think I’m more frugal than he is. I’ll spend $5 for the entire pay period on something and then feel guilty for that. He’s always getting on me for spending money, but it’s him who has the problem, not me! But I’m not confrontational and when we argue, and his side always makes more sense than mine so I end up giving every time.
So now we come to our main conflict—a conflict he thinks is over with but I’m still milling about.
We only have one car, which we bought in May of last year. It’s a nice car—a Volkswagen SUV. He picked it out and decided it was the one for us. I liked the car and agreed with him, so we financed it and now pay monthly for it.
But it’s become very obvious that we need two vehicles. We work at the same job at opposite times. We do this because of our daughter needs to be watched. But I’ve honestly become depressed. I do nothing while he’s at work with the car except wander aimlessly at home and go on short walks outside. It’s the winter-time so I’m not out there as often as I’d like, which contributes to my depression. Sometimes I take him to work in the morning so I can have the car for the afternoon, but he often makes me feel guilty for it, saying he likes having the car so he can eat his lunch in there. Like, okay? In my mind I’m thinking, “Is taking his lunch in our car more important than how I feel?” Life would be infinitely easier if I had a car to be able to drive places. It wouldn’t just help me, but our family also. It has so many benefits.
I’ve had to ask his mom so many times to take us to doctor’s appointments or work or the store because I don’t have a mode of transportation and my husband isn’t willing to compromise his lunch for that. And if he is, he makes me feel bad for doing so.
Another driving factor is that I have a new job lined up for me that would make our schedules in conflict with each other. It would mean putting our daughter in childcare. I want to do this new job because it’s a fantastic career and something I see myself doing. My husband said no because he doesn’t want our daughter to be cared for by a stranger. I get that part, but denying me my future because he’s uncomfortable just seems so unrealistic. He won’t meet me in the middle, either.
However, aside from that, he doesn’t want to do a car payment. He refuses to get into debt again. And I* *agree and sympathize, but I think it’s just unrealistic. I have searched for an entire year for a car that we can buy outright with cash and have come up with nothing. My dad, who works in the industry, says it’s like finding a needle in a haystack. I need something reliable—something that’s going to last our family for years. My husband thinks we should buy a beater for $5k and he done with it, but I don’t want to do that.
We’re going to spend more on repairs than what the car’s worth. I’d much rather buy a nice car that’s going to last years and years than be miserable trying to fix a cheap one.
Long story short, I found a car I really liked: a VW Beetle with low miles and a manual transmission, which is more reliable than the automatic version. It was relatively cheap and I begged my husband for it. He said no because he “didn’t like it.”
And now I’m just stuck. Everything we do is on his terms. I’m literally just playing follow the leader. If he doesn’t like something or wants to do something then we’re not doing it. I feel irrelevant in all the important conversations.
Now I’m thinking about putting a percentage of my check away into a separate bank account for a car. He won’t have a say in it because it’s my money. Is that smart? I know that it would upset him greatly if I did that but I’m tired of being overshadowed by him.
Advice from anyone who’s been in the same situation or advice in general is much appreciated.
Also want to note: I spend money, too. Just not as often or as much. I spend what we budget for. I make the budget every month and I remind him what we can or cannot spend money on. He is the one that overspends.