Pay off every dollar of debt you have before you buy any “toys” or do anything beyond what’s imperative to stay alive. After that you can buy whatever you want. Having debt, especially debt you’re paying interest on makes zero sense. Not paying extra to get rid of debt and instead buying “toys” is only hurting you in the long run. That’s my opinion and how I’ve always lived my life.
what ??? I don't know their bills or needs but if somebody makes 6 figures and cant budget in entertainment or hobbies is severely mismanaging their money. (sorry OP) . Im sorry, my wife and I together luckily make mid- 5 figures and we manage to have fun . we go out to eat once in a while , we buys things, new clothing . GOOD FOOD and alcohol .She wont buy anything unless she absolutely "loves it" . I can live pretty simply. We discuss buying large purchases for rationality and practicality. She buys my brewing things if I put them in the Amazon cart . Life is too darn short to live like you cant have things. You go bust your butt 8-12 hrs a day 5-7 days a week , have something to show for it. LIVE. Whatever you're doing with 6 figures that the man cant have some brewing equipment ... cut down on some stuff you really "don't need" ,there is always something to cut out of the budget. Like ,just as an example, how many pairs of shoes does she have and how many of those that she actually wears .Its a trap. There's always a salary threshold that people think if I could just get to there, life would be so easy and we could do whatever we want. As you get closer or pass it, you realize it was a mirage after all. Habits scale incredibly well.
what ??? I don't know their bills or needs but if somebody makes 6 figures and cant budget in entertainment or hobbies is severely mismanaging their money. (sorry OP) . Im sorry, my wife and I together luckily make mid- 5 figures and we manage to have fun .
The temptation is there. However, we shouldn't talk about the OP. The mods will delete it if it's the wrong tone.Hey hey, this has gone on a serious tone for quite too long without any sign of original poster. Time of the night for drunken ramblings:
To OP I'd say; do you love her? Does she love you? If so, figure it out between you, if not, figure it out between you.
My first thought was: wife,.. beer? wife,... beer? but then I realized the question was not; wife,... beer? but; wife,... beer making bling?
If she is nice at all, I'd go with the wife in that case, and by that I mean harmony with wife over splurge purchases.
If you are willing deal with humble appearances, you can make great beer with DYI & cobbled together gear, low cost, buy some pretty stuff when you're paid off, if you still want too.
upgrades within the next credit card billing cycle
Just like your bank account can't be overdrawn. You still got checks!lol, i'd have to say savings accounts are so much better, never had a credit card myself....when i was a young early 20 something, i decided i don't like bills, and couldn't figure out how i'd keep credit on a credit card....
Just like your bank account can't be overdrawn. You still got checks!
what ??? I don't know their bills or needs but if somebody makes 6 figures and cant budget in entertainment or hobbies is severely mismanaging their money. (sorry OP) . Im sorry, my wife and I together luckily make mid- 5 figures and we manage to have fun . we go out to eat once in a while , we buys things, new clothing . GOOD FOOD and alcohol .She wont buy anything unless she absolutely "loves it" . I can live pretty simply. We discuss buying large purchases for rationality and practicality. She buys my brewing things if I put them in the Amazon cart . Life is too darn short to live like you cant have things. You go bust your butt 8-12 hrs a day 5-7 days a week , have something to show for it. LIVE. Whatever you're doing with 6 figures that the man cant have some brewing equipment ... cut down on some stuff you really "don't need" ,there is always something to cut out of the budget. Like ,just as an example, how many pairs of shoes does she have and how many of those that she actually wears .
I apologize. I once made high 5 figures for years by myself. My ex-wife mismanaged our money for years before I found out and in the mean time I couldnt have things, but she snuck buying a lot of frivolous things without my knowing plus credit debt.
Its time for a sit-down for a serious marital financial discussion... I guarantee it'll open your eyes.
I doubt I'd make it to 24 years (maybe not ten) if I took that path. Every marriage is different. In mine, I get grief for just about anything I spend more than $50 on without clearing it with my wife first. It's a bit of a hassle sometimes, but the fact is that I've become a lot more conscious about discretionary spending through it so the occasional headache pays for better household finances.Just do what I do . What I've learned in my 24 yrs of marriage is that it's better to ask forgiveness then permission lol.
It would require a lot more grovelling than what you're comfortable with doing, so you would not do it cause you're not self-denigrating or disingenuous.I doubt I'd make it to 24 years (maybe not ten) if I took that path. Every marriage is different. In mine, I get grief for just about anything I spend more than $50 on without clearing it with my wife first. It's a bit of a hassle sometimes, but the fact is that I've become a lot more conscious about discretionary spending through it so the occasional headache pays for better household finances.
I obviously read that wrong. Sorry , I had a long day yesterday... you're exactly right.I wasn't arguing that it's a good way to live. I was commenting on an increasingly typical reality. If people live beyond their means at 50k, they'll do it at 150k too. I'm not talking about anyone in this thread specifically but there's a trend towards overindulgence and "I deserve it" culture maxing out credit cards and refinancing the mortgage multiple times as the interest rates were chased down and the home values went up.
A lot of this is market dependent too. Here in NJ, we have one of the highest costs of living around and 100k households are pretty common.
... and debt.Is there makeup sex after the fight? If so I see a lot of stainless steel in your future.
Anyone else amused that this is labeled as a "How-To" thread but it actually is the exact opposite of one?
comes down to being less selfish, and thinking about the other person
I agree. I don't think the wife is REALLY even angry about the stuff - she is angry because he didn't bother to talk to her about it. Take out work and sleep and I spend about 8 hours a day with my wife. Figure 2 hours max of sex. That still leaves 6 hours a day that you have to talk about something...I still think the best how-to is communicate.
I agree. I don't think the wife is REALLY even angry about the stuff - she is angry because he didn't bother to talk to her about it. Take out work and sleep and I spend about 8 hours a day with my wife. Figure 2 hours max of sex. That still leaves 6 hours a day that you have to talk about something...
I agree. I don't think the wife is REALLY even angry about the stuff - she is angry because he didn't bother to talk to her about it. Take out work and sleep and I spend about 8 hours a day with my wife. Figure 2 hours max of sex. That still leaves 6 hours a day that you have to talk about something...
Braggart....
I do that (and HBT) "at work"...Really! I mean, when's the time for important stuff, like, rearranging your sock drawer, cleaning lint from your navel, brewing, binge buying at Yakima Valley Hops?!!!
Fellow Brewers,
My wife gets very angry every time I make a brewery upgrade. The first time, it was the 5 gallon Spike conical (~450) and she was very angry as she thought it should be a mutual buying decision aka I should have asked her before I spent my money. ....