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Help! My spouse spends too much

When spouses don't agree on how much money to spend, problems will occur. But it's a problem the two of you can face and overcome together, especially if you keep the following principles in mind.

Understand that you are a team and you're in it together. When you're on the same team, it is easier to come up with reasonable and fair solutions to spending disagreements. For instance, if your spouse enjoys spending money on expensive handbags, you might decide that each spouse will have a certain number of dollars set aside for clothing accessories each month. This will help eliminate the splurging or buying something that appears to be a need when it really is a luxury.

One of the first steps to becoming a team is to agree that you both want the same things concerning money. Most couples usually want a certain amount of financial security and a certain amount of financial freedom. The amount of money needed to achieve financial security and freedom may be different to each spouse, but the general goals are.

Understand the underlying reasons why your spouse overspends. It is possible that your spouse buys a lot of things to satisfy needs that purchases can't satisfy. For example, a woman may feel the need to buy the lastest fashion trends to boost her self-esteem.

There are several reasons why a person may overspend: deprived childhood, privileged childhood, depression, anxiety, the thrill of the hunt. All of these have one thing in common: a search for security.

Understand that you must live on less than you earn. Living from one paycheck to the next is not a good idea and should be avoided at all costs. Living from one paycheck to another can cause stress and lead each of you to feel taken for granted, used, and insecure about the future of your marriage and finances.

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