Mr. We’ve Had Them Since They Were Tiny and I celebrated our 3rd anniversary this week. See? We’re 3 years old.
In honor of our anniversary, here are the top three money tips from our first three years.
1. It’s you not him.
I secretly blamed my husband for busting our budget. I thought, “We make a budget, then he ruins it by buying gas station food.” I’ve thought this a GABILLION times.
Until…we were running errands one day, and I was complaining about how we’d just blown our budget (I was really thinking, “you blew our budget from buying a ton of gas station food!!!!!!!”)
A few minutes later, we passed one of my favorite shoe stores. I gasped when I saw a “going out of business” sign over the door. I started foaming at the mouth, and I convinced him to go in by saying, “I just want to see what they have on sale.”
Three minutes later my hands were full with five boxes of shoes. My husband was sitting patently on a bench. “Look what I found!!!! All on saaaaaale!!!!” I sang it like I was Mary Pumps Poppins.
“That’s great babe,” he said.
“Ready to check out?” he asked.
As I was singing, “Yesssssss!” our busted budget floated over me like a black cloud. Then, slowly, an even darker thought creeped into my mind. It’s not him blowing the budget, it’s me. Ugh…. I thought. Nooooooooo. Slowly, I put all the shoes down and walked out of the store.
Before you blame your spouse/partner for blowing the budget, take a long, hard look in your
shoe closet bank account.
2. If it’s not working get rid of it.
For the first couple years we overdrafted our bank account like maniacs. It was mostly me. I’ve been a huge fan of overdrafting since college. Anyway, we finally got fed up with it and canceled our overdraft protection. It is one of the best moves we’ve ever made. Now, if we run out of money we get denied. So, we’re more careful not to run out of money.
Overdraft protection is a joke. Making you pay $20 each time you overdraft is NOT protection. It’s like someone stabbing you to save you from a paper cut. The only thing overdraft protection protects is the bank’s bottom line.
3. If you build it…it will get bigger.
I only remember one piece of advice from my wedding day. My father-in-law said, “Marriage is like a bank account, you’ve got to put more in than you take out.”
On my wedding day I thought this meant to make sure you give more than you take. Now, it means more to me. Marriage is a like a bank account– because you’re trying to build something, together. So, if you make a withdrawal of trust or money or whatever, you’re taking away from those dreams you’re building. Every time you make a withdrawal you’re damaging your relationship and future.
Woah! did I get deep or what?
Let’s lighten things up with a picture of DOGS!
Do you have any relationship and money tips?