Check out these four tricks used to get you to spend more (without you knowing it).
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You’re the Free Spirit. You're the fun! You're the party!
You don’t get too bogged down with details, and that frees you up to enjoy life. Plans are good, but it’s all right if they get blown up once in a while. Just go with the flow.
That may be how you approach life—and if you are married to a Nerd, it can cause some friction between the two of you. That’s why it’s important to have a well-rounded approach to managing your family’s money. After all, it might take some work to make a budget and stick to it, but it’s worthwhile for the sake of your marriage and your success.
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If that’s you, then here are five things you can work on in 2014:
Offering more input
The person who looks at the budget and says, “Whatever,” is the person who is not putting enough effort into taking control of their money. A Free Spirit should not be dismissive when asked for input about how to give, save and spend. That’s the chance to have a say in how the household functions. Talk about what is important to you and agree with the Nerd about how to factor that in.
Finding fun for two
This is where you can use your skills not to only impress the Nerd but also have fun doing it. If you want to organize a weekend getaway or just a fun date night, check around for deals on free or discount opportunities. Just stay within the budget! Stuff like that ensures you can still meet your money goals while making sure that you and your spouse have a good time.
When you give, spend and save, do it with purpose. Making the budget with your Nerd spouse means that you both agree to handle your money as it is written on the paper. If you just spend easy-breezy without thinking or don’t write purchases down in the checkbook, your spouse may have a hard time trusting you to uphold your end of the budget. That works out well for no one.
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Your husband or wife may want to meet about the budget more often than once a month. Perhaps an expense comes up they’re concerned about or they just want to see how the month’s money situation is going. You may not feel like doing it, but it’s nice to oblige them. It doesn’t have to be a weekend summit meeting, but a quick 10 minutes to make sure the numbers are right reinforces to them that you care.
Learning about the Nerd
Everyone likes to have fun in their own way. Nerds may actually enjoy the Xs and Os of making a budget. But this year, perhaps you dig a little deeper and find out even more about what makes them tick so you can understand them better. Did their family struggle with money? Are they worried the same thing could happen to the two of you? Are they just excited about the potential held by both of your incomes?
If you know a Nerd who could stand to work on a few things in 2014, have them check out the Nerd version of this list.
If you think making a budget takes a ridiculous amount of time, this will brighten your day! You can create a zero-based budget for free right now by just plugging in your income.