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Different money spending habbits

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    Different money spending habbits

    Me and my boyfriend have been going through bit of a rough patch and have been trying to solve the whole closing the distance thing. A while ago we had a conversation and we wanted to discuss what we don’t like about each other. In a constructive way that we are more aware in case we close the distance and move in. He mentioned that one thing about me is my money spending. I was a bit taken by this since I pride myself being good with money and I think he spends money on useless things. He also said that he sometimes feels like I expect him to pay for my stuff.

    He explained that he remembers time when he was broke and could barely afford to eat or pay rent. This made him cautious with money and doesn’t like spending. Since I haven’t really experienced being poor I spend money too much. This part is true that I’ve never experienced being poor. When I was a student I didn’t have anything extra but I could manage and since then I’ve always had a job. My job has a really crappy pay but I live alone so it is enough for me.

    I have never ever expected him to pay for me. I assumed that I pay this time, you pay the next have been quite fair. When we started to date I was still a student and he was working so back then he paid more and he really made a big deal about how he wants to pay for stuff. I guess when the time passed and he still makes a lot more than I do he has paid for the more expensive stuff and I’ve paid for the less expensive stuff. But only if he has offered. Never have I expected. He did pay for our holiday once. He did the booking and I said that I’ll transfer him my share. He said that I don’t have to and I obviously said that of course I will. He kept saying that my share of the holiday costs the same as what he makes at work in 3 days. I agreed but said that during the holiday I will pay for everything. Now I’m thinking did this actually bother him?

    The main problem is that I like to spend money on food, travel and experiences. Nothing insanely expensive. For example we travelled in central Europe once and I wanted to go to a rooftop bar that was fairly expensive. In my opinion it was one of those things that I would want to visit once and the view would be great. He thought it was a waste of money because the drinks would be cheaper at a local pub and the view can be seen from somewhere else. Also I like to cook and on the weekends I enjoy cooking something more special that costs a bit more than my everyday meals. He likes to eat in cheap restaurants often and I prefer cooking at home more and then go out to a fancier restaurant less often. In his opinion it’s a waste to pay so much for one dinner. I enjoy having a day out instead of staying in. Such as taking the bus and going to the neighboring town to have ice cream at the seaside. In his opinion if it is something that I want to do then I would pay for it and then the other way around. He also did admit that because I want to do stuff he gets to experience more also in his hometown. While I somewhat agree with him, but at the same time I think it can’t really work like that either.

    Obviously we will talk about this and I would like to offer a solution that will satisfy us both at least in the beginning of him coming over. And then he can share his opinion. I’m fully aware that I don’t have to do everything with him but I wouldn’t want to live too separate lives either. Here is what I was thinking that would be fairly fair. As long as he is unemployed I would pay for rent and utilities. When eating out we would buy our own meals. If having drinks then one round and the other one gets the second. When cooking at home we could split the bill so I would pay 2/3 if we shop together since I’m working and he has income form the flats he is renting and try to find balance of cheap meals and more expensive meals. If he is shopping on his own then he would pay. When one wants to do something that costs the other person has to say if they would prefer not to use money for it and gives the other one an opportunity to decide if they want to pay for other person or find company that would enjoy the activity. If it is something we both want to do the we would pay our own way. This would be my idea at the beginning till we find a flow that will be suitable for both and re-evaluate if he gets a job.

    I want to avoid becoming roommates but also I don’t want to pay for everything I want to do and I don’t want him to “waste” his money on me when he doesn’t want to. Main thing is that I don’t want money to come between us or have him feel like he has to pay for me. I’m a firm believer that every individual should have their own money, own accounts and contribute to the household. I also believe that people who are in a relationship shouldn’t be counting every cent and people in the relationship should have the same quality of life so person who makes more should contribute more. Obviously these things change once you have lived together for longer, have families etc. and they are different depending on culture and handles differently in every relationship.

    How have you guys solved money issues?

    #2
    My boyfriend and I will live together for a couple of months this summer. As I'm a student and he is working, he offered me to pay for the apartment. I would pay for the food although I feel a bit bad to let him pay all the appartement. I don't really have the choice though as I have to continue to pay for my own place during these months away.

    When we visited, I'd say I paid a bit more than him although I wasn't looking at this considering the fact he had to buy a plane ticket and not me. When we were to the restaurant, he sometimes paid and I was doing it too. Sometimes, we were paying our own stuff and sometimes we shared. We didn't really look at this.

    I feel like my SO like to spend his money much more than me. He will not think twice before buying something expensive, which is different for me. Maybe it's due to the fact I'm a student and university is expensive, but we have two different ways of seeing things honestly.

    We fought once because of money and we decided that, if we ever marry, we would have a couple account to pay for the bills and so on.
    So, all this to say that it's possible to find solutions although it means nothing to fight over money..share your costs or pay for your own stuff. I think the best would be to discuss with your partner calmly and to explain him your point. Let him talk too and try to find a solution that will suit both of you
    - I'll be waiting for you -

    Started talking: December 2015
    First meeting: December 2016
    Second meeting: May 2017 - August 2017
    Third meeting: Septembre 2017 - January 2018
    Engaged: December 2017
    Fourth meeting: May 2018 - August 2018
    Fifth visit: December 2019
    Wedding: September 2019

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      #3
      If you are going to live together, I would also suggest a joint account that is for rent, utilities, groceries - household expenses. Then you can each keep your own account for your extra money to spend as you so choose.

      When I my SO and I move to Texas, I will be taking over all accounts. Mine, household & business. He's not very good with money (comes of many years where he didn't have to worry about money and now he really doesn't know how to handle it) and I have been in finance for over 20 years. It just makes more sense for me to handle it all. I joke that I will give him an allowance, but I'm sure he'll maintain an account of his own as well.
      To those who dream, nothing is ever far away.

      ​Distance is to love as wind is to fire. It blows out the little ones and fans the big ones.

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        #4
        I think that once we live together we would get a joint bank account where we both would be putting 30% of our income and we would spend it on household stuff. I think that in the begining that is not suitable since he doesn't have a job. Once that part would be settled then we would know our location, duration etc. better then it would be time fr bank accounts.

        Funny thing is that he is in finance and I'm in procurement, so we both work with money but he tries to save money to the Company where as I try to be cost effective. I guess in this sense our work translates into our personal lives Neither of us are bad with money, we just like to use it defferently.

        I'm not sure if I'm actaully looking for advise or more sharing my confusion. I have always been under the impression that everything on this department was ok. He propably does pay for more stuff and I will make sure it will be more even. I honestly thought that we didn't really look into the who pays what and it was ok like this. Also when we are at my Place I have the Basic kitchen stuff and materials so we can make dinner. He lives in a hotel so we have to eat out everyday. I'm not sure if he understands that the food in my flat is not free. Not that he should pay my breakfast, but I'm not sure he realizes that I have actually paid for everything in the flat so in a way it is a bonus for him and during that time he doesn't have to pay for his hotel. Obviously I don't mind sharing or that he should give me anything. I guess the main problem is the doing stuff that costs money. I'm more active than he is. I don't think I'm right and he is wrong, or that this is an issue. It's just that we like to use our money differnetly now I'm just thinking how to find a balance so that either feels like we are getting ripped off. I'm glad he said it if it bothers him. I just hope that he hasn't felt like this for the past 5 yers!
        Last edited by Rezie; March 1, 2017, 09:08 AM.

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          #5
          Well, that hit home for me big time. My husband and I had our first fight about money.....and we don't even have any joint accounts. We were doing taxes this weekend. We are filing married but filing separately, and I am getting a big tax refund, but he has to pay $3000, and he decided to bring up the "we spend too much money" issue. Now, I make a very nice salary and I support my two children AND my ex husband, I pay my mortgage, car payment and all of my household expenses, PLUS I pay a LOT of the trips we go on (I just paid for plane tickets for three of us to Napa, plus two hotel rooms, a house for the Fourth of July weekend to celebrate our anniversary, AND a house rental at the lake this summer plus paid about $600 towards our cruise in two weeks. He makes MORE THAN $100,000 MORE than me. He has nobody to support. His house in rented out and the tenant pays the most of the mortgage and all of the household bills (heat, electricity, cable, water, etc). He DOES spend a lot of money flying here every weekend, on average $1400/month (he stays with his mom during the week and has no expenses for that), but I also fly at least 15 Times and pay my own way anywhere we fly together OR separate. A few times a year I buy his flights too. He WAS paying for my groceries, but I stopped that a few weeks ago, only because he spends too much in the grocery store and I spend half the amount. He usually pays when we go out, but I also pick up the checks (Saturday afternoon drinks were $115 and I Paid it). Now, we DO spend a lot of money on dinners out.....usually about $250-$300 a weekend. I try to cook at home one night on the weekend. I am so angry that he told me that "we have to slow down". I think I pay WAY more than my fair share, and he makes $100,000.00 more than I do. He has a lot more debt than I do. He blamed it all on his ex wife, but I don't know about that now. I think he was just as much to blame. So I said I would pay my own way on EVERYTHING from now on....and he got angry at me and hasn't spoken to me since Monday (to be fair, I haven't spoken to him either, because I am pissed). I feel like he was blaming me for spending his money, when in fact I DONT and I ALWAYS offer to pay and he declines. I actually have to fight for the check half the time! Ugh! I a, so frustrated. This should be a great weekend..... ��
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