Well, I got told this week (by DH) that I have a "poor person mentality" that I have to get rid of. Um...'scuse me ??? I think I have a "practical mentality" that $ does not grow on trees and that we have to be happy with what we have in the moment instead of always wanting MORE. Needless to say DH and I have numerous $ issues which I now see are a real result that we have very different values and views on what is important. Didn't think to ask him about that when I was 20! If you think you think your problem is similar to mine, then I have no advice.

BUT maybe your hubby is willing to cut back but just really likes the DSL... Honestly I love my DSL and before I had it I hated to going online for anything from home. Our dial-up was ....really.....slow....I would probably complain too about getting rid of my DSL, but I would be fine with making changes or even getting rid of cable TV. Maybe ask what he would be willing to cut back on to save some $$$.

Well I have to say that I would vote for dsl over dial up anyday. So if you can afford it I would let it go. Is he on board with your other saving money ideas? I know my dh wasn't on board at first, not that he was against it just not with it. He never minded me saving money and thinks I'm cute with all my deals and coupons! But he never tried to save and stick to the budget until he had overdrawn his own account (we have a joint account but I don't use it, and I have my own account) and his truck payment bounced. Now he's all about my budget and savings plans! I guess that is what it took to get him on board so now things are going pretty well.

Husbands will usually get on board when you show him what problems sticking to a budget solves. also, always talk over where to save.


Make a list of things you could save money on and which ones he thinks you could do. Example: cut off long distance use cheap calling card. Cut back on cable, Get rid of Blockbuster club, rent from library instead, go to pre-paid cellphones T-mobile you can use any cell phone with sims and it is easy when you get used to it. You be surprized that you do not miss it. Change auto insurance deductibles, shop around for a better deal. See if value of car has dropped below what they would pay you with full coverage. Also if finacnial problems cause you stress, a happier wife is a good benefit. If you could save, you would be able to save more. Retire earlier, take a vacation, have a date night. With budget cuts, make sure you plan things to reward yourself on a job well done.


Make sure you have a plan to reward your husband. When I have talked with my husband, men feel if you put it the wrong way, we need to save money...they hear...You are doing a BAD job providing for your family..which means to a man..YOU big LOSER.


Women are different, if you told a women she was a BAD mom she would be crushed...well for men,...you tell them they are doing a BAD job working/providing, and they will be crushed. Women our idenity is in our relationships, men- their idenity is in what they do..

Say it in a way, he will receive. You are doing a great job providing. I just think, if we could save a little more, you would not have as much pressure on you. I do not want you to be worried about job layoff, if we have three months of your income saved up. You could sleep better at night. Share your vision and the benefits of your plan. Saving is your job,,Like they say,,it is not how much you make..it is how much you save.


Dropping DSL.. would save $200 a year, which I have dial-up and it is super slow..if I could get DSL,, I would drop something else.

Dropping full coverage would save $400 a year

Saving with coupons this week saved $10, over the course of a year, we would save approx $400-$500 dollars.

Good luck..Happy Saving..

Dh and I were talking about this the other day. We have basic cable and road runner for internet and I have it reduced by $12 a month but they have raised the rates AGAIN so when that offer is over it will cost like $100 a month for both of them. That is ridiculous and dh is actually talking about going to a cheaper version that isn't much slower that would save us a lot of money. Before though, he was like "no way" but I think he finally realized how crazy the charges are. We don't do a whole lot for entertainment so this is basically it. Good luck to you!

Well, good news! He said last night he didn't want to go to dialup but would go to a slower broadband speed (currently had 758?) so we went down to 256. It saves us $20 a month! I love saving money!

I'm glad it worked out.

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Good for you! One small step........who knows what is next!

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