|
Personally, my wife and I have a single bank account. She is a "housewife" for want of a better term - looking after the boys is a full time job any (it just doesn't pay well).
She is responsible for the day to day expenses, and we almost exclusively use cash for day to day things.
We don't have a credit card at all, though we do have a joint Amex account (big difference is you have to pay off the balance every month). This is purely for convenience, and both of us know we can't buy anything big on this without discussing it first.
If my wife was spending like a drunken sailor, I'd tell her, but with the numbers to prove it. It is a pretty simple economic truth - you can't survive spending more than you earn.
Maybe you think this isn't the best time to give up the ciggies - seems to me it is the perfect time, from a financial POV.
__________________
who hid my keyboard's PANIC button?
|