Any suggestions on books, websites or techniques for getting you and your SO on the same page about money. I make a lot, we spend a lot. Then when we are short on cash flow, it leads to disagreement

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Except for household expenses, we keep our finances separate, but neither of us have credit card debt. We also purchased a home that either of us could afford the payment separately “just in case” we had to live with one income. This arrangement is great when it comes to giving each other gifts, or when one of us wants to splurge on a self gift. We are both super savers as well, but we save separately .

likesmart

Dave Ramsey

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Not a book recommendation, but put an agreement in place that all receipts, whether food or gas or unnecessary fun splurges, go into an envelope taped to the bathroom mirror and are logged on a paper near the envelope. It makes spending very transparent and very uncomfortable. Even when you buy a six pack of beer or your favorite cheese or whatever while grocery shopping, you think about how it adds up.

Log everything. Make sure you both keep all receipts and craft the necessary budget. Even having the same account in tracking a budget might work best for you. Mint, YNAB, and Quicken might be good options to set up.

That's what I do at least. I'm very money conscious because I track it.

BA1, assuming you are married, saving separately seems really inefficient.

What are you saving for? What types of investment vehicles and asset classes are appropriate for your long and short term needs?

You might want to consider digging into those questions jointly to make sure you have a coordinated financial plan.

Are you married? You make a lot, does SO not? Are you blaming SO’s spending on the cashflow problems or is it a team effort? I’d start with Dave Ramsey too. A lot of people say he’s too basic but you need to get back to basics here. This is more about behavior and less about raw numbers.

Like others have said here, the first thing he’ll say is get on a budget. That means every dollar that comes in has an intended purpose. If you budget $1000 a month for new purses, so be it. Just assign dollars to things at the beginning of every month

Dave Ramsey for sure; get on the talk show follow it and he has great programs

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