|
|
|
|
|
Q: I have been dating my current boyfriend for one year this coming month. We are constantly talking about marriage, but we are light in the pocket book. I don't make a ton, and he has about $12,000 in debt. Not to mention that his idiot sister talked him into buying a new car that he couldn't begin to afford so tack $25,000 on to that. I am trying to scrimp like crazy.
We have dated off and on for many years, and I want to be with him no matter about the money thing. He isn't used to saving money; he has been spending for a long time. He is trying very hard to stay on a budget. And I am very proud of him. I have squirreled away a small amount o cash but less than 6 months salary. I have no outstanding debts. What more can I do to save money and still continue to be healthy?
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
My fiance has a bit of school debt and only a little bit of credit card debt (which will be paid off by him before our wedding in July). If he's showing signs of a responsible money handler, great! Keep on him, let him know that you notice that he's really trying and that you support him (psychologically).
Given his past and present, when you guys get married (or even now), I would create a savings account in your name and squirrel a secret stash for emergencies... Don't spend this money for any reason you might think is a good one (not for fixing cars or buying a new suit for a new job, or even medical bills). This is for a true emergency.
Other than spending your money wisely, that's the best thing that you can do. Every little bit counts so even when you think it doesn't, IT DOES. Use your bonus card at the grocery store and deliberately look for savings only on things you buy anyway (don't buy it just because it's on sale). Target and H&M have really cute clothes that are so much cheaper than anywhere else, same for TJMaxx, Ross, and Marshalls. Avoid paying full price for anything!!! Get Dial-Up or DSL instead of Cable internet access. Don't eat out to lunch, instead make your own lunches or buy frozen ones when they're on sale.
These are all things that I do and that I will undoubtedly continue to do for the rest of my life. Millionaires stay millionaires because they scrimp and save, it's true!
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ok, I am on the right track then. If I could just stop using the emergency account for the car! Ugh. Thanks
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Info
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Gender: Female Location: Washington, DC Metro Age: 24 Member Since: October 28, 2004 Answers: 36 Last Update: February 20, 2005 Visitors: 7559
Main Categories:
Favorite Columnists
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
