Learn How to Get Your Spouse to Budget with these simple tips! They will help you become the family budget planner with compromise and good communication!
These tips on How to Get Your Spouse to Budget are a must if you are the one with more money sense. Budgeting is never an easy task on your own, but it can be even more difficult to get your spouse on board with you! Maybe your spouse thinks they are budgeting in their own way, that they don’t need a budget, or that you're trying to control the money they make. Whatever your concerns are as the budget planner in your home, these tips are sure to help.
Budget Planner: How To Get Your Spouse To Budget
Ensure your motives. No one likes to be controlled. If your spouse thinks you are simply trying to control how or when they spend their money, you’re sure to get into a fight. Talk to your spouse about your motives and why you thinking budgeting would be a good idea. Do this before you chop up all the credit cards. Being a budget planner or creating a couples budget planner to follow doesn't mean you are controlling the other person. Make sure they understand that.
Talk about the future. What are your plans for the future? Do you both want to have the house paid off, own a boat, or move to Florida? Well, to have what you want when you retire, you must start planning now. Talk about budgeting in a way that helps you plan for your future goals. A budget planner plans for the future, not just today.
Compromise with each other. In a relationship, compromise, is one of the biggest factors of staying together. Neither of you can have it your way all the time. Talk about ways you can budget that benefits both you and your spouse. Compromise on your spouse’s wants and needs and ask them to compromise with you as well. Often times, this means that one of you has an allowance to spend freely from so you don't feel restricted. Compromise is a all about giving into each other in a safe fashion.
Make a plan together. Come up with your budgeting plan together. Again, no one likes to be told what to do. Here are some questions to get you started as the family budget planner in your home:
- How much should we put in savings every week/month?
- Do you want a budget for going out?
- How much should we spend on food a month?
- How much gas does it take for you to get back and forth a week?
- How much money do we want to live on when we retire?
- What happens if something goes wrong with the cars/house? Should we have money put back for that?
- Should we use cash for purchases and leave our cards at home?
- How can we stay on this budget?
Give encouragement to your spouse. We all like getting encouragement as we transition into a new stage of life. We like to know that what we do matters. Whether or not your spouse is happy about the budgeting plan, you can encourage them through the following ways:
- A night out
- A gift
- A splurge
- Their favorite meal
Start small and transition later. It takes 21 days to make something a habit, and before that it’s just a hassle. Instead of a ‘go big or go home' mentality, start your budget slowly and transition a little at a time. A good place to start is putting money back in savings. Start with a small amount like $1 and double your savings each time you get paid until you are saving $100 a paycheck.
Here are some great books that I recommend you look into reading to help you as the family budget planner. They will all help you focus on specific budget needs.
As you work with your spouse to curb spending and to become a better budget planner for your family, these tips are ideal for making that easier to manage. Focus on communication first and everything else will fall into place easily.