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I Want to Save but My Spouse Wants to Spend!

Rachel Cruze

Money Management for Parents

Q: My husband and I can’t get on the same page when it comes to our money situation. I want to save and he wants to spend. What should we do?

Rachel’s Answer: First off, you’re not alone in this. A lot of married couples are experiencing the same frustrations about money that you are.

The good news is that you can turn this thing around. Whether you’re newly married or an “old married couple,” here are a few thoughts to help you both get in the right frame of mind about money.

Work together. How can you be on the same page about money if you have two separate bank accounts? Didn’t the pastor say, “You will become one”?

Stay involved. It’s okay if one of you is in charge of budgeting and paying bills, but you both need to communicate and know what’s going on.

Make a routine. At the end of every month, sit down with your spouse for your monthly budget meeting. Plan out how you will spend every dollar for the coming month—groceries, gas, bills, everything. And don’t forget to budget a small percentage of “fun” money.

Teach your kids. If you have kids, teach them about money early. That’s your job, not the school’s job. Pay them “commission” for work done around the house, not allowance. Remember, they are watching you, so teach by example.

Be willing to say no. If it’s not in the budget, then it’s not in the budget. That might mean you can’t have that new 50-inch flat screen TV or designer sweater. Remember, it’s only no for now.

Put these thoughts into action and see if you can’t turn your money situation around.


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Rachel Cruze

Growing up as Dave Ramsey's kid, Rachel Cruze learned the basic principles of money at an early age. She travels across the country teaching those same principles, in a personal and passionate message of money and hope, to teens and young adults. To find out more about Rachel, visit www.daveramsey.com/speakers or follow her on Twitter at @RachelCruze.