Comments on Our Debt Blog: Spending and More Spending

The best way to calculate your spending is by putt...

2011-12-15T22:50:24.752-06:00

The best way to calculate your spending is by putting in all your income and expenses in a excel sheet monthly and create a spending budget per week. For more tips see www.thedebtpatriot.com

"and to this day I'm not sure how to cont...

2011-12-15T14:06:38.443-06:00

"and to this day I'm not sure how to control it. "

Bullshit. Yes you do, you just don't WANT to.

CUT THE DAMN CARDS.

You can't keep overspending if you cut the source of overspending to a million plastic shreds. Stop giving the stupid rewards point excuses and the stupid my wife doesn't want to blah blah blah stories you spin and just

I feel your pain HS. There's nothing more dif...

2011-12-14T21:54:49.785-06:00

I feel your pain HS. There's nothing more difficult than a spouse who sees no need to change their self-destructive behavior. You might try putting it in the context of the baby - like "We need a budget so we can start saving for college." Sometimes people will do for their children what they won't do for themselves.

Knowing what you spend, controlling what you spend...

2011-12-14T20:52:09.852-06:00

Knowing what you spend, controlling what you spend, and sticking to a budget is not "being obsessed with personal finance".

Quite honestly your wife sounds like a spoiled child. You have a baby coming and she "doesn't' want to hear about" the money and is happy with her credit cards?

I dunno. You might be one of the lucky ones who can go the rest

Have you tried Mint.com? I really never firmly pu...

2011-12-14T18:17:19.321-06:00

Have you tried Mint.com? I really never firmly put our budget into place until I started using that. I highly recommend it.
Also, and I hate to say it, but while you are spendy, you are anxious to change...but your wife reminds me of my brother - unable to even face the reality of the situation. No matter how much money you make, more is going to go out.
Please make sure your

I find it mind-boggling that you can continuously ...

2011-12-14T17:11:06.669-06:00

I find it mind-boggling that you can continuously be aware that you are overspending and going into debt, yet never make any genuine effort to change your behaviour.

I've been reading this blog for (and I'm embarrassed to say it) years, and you make me want to punch myself in the face.

For the love of god, GET IT TOGETHER ALREADY.

Yea we finance people understand debt etc. you'...

2011-12-14T13:15:24.397-06:00

Yea we finance people understand debt etc. you'd be surprised how many people out there don't get obssesed with their personal finance.

So the talk with the wife seems to go in one ear a...

2011-12-14T12:33:57.572-06:00

So the talk with the wife seems to go in one ear and out the other. You will be forever in debt unless she gets on the same page.

Ouch!! If you really want to "see" where...

2011-12-14T11:36:46.727-06:00

Ouch!! If you really want to "see" where your money is going, you need to track it! Good luck with your budget! :)

Well, there's an easy way to find out what you...

2011-12-14T11:35:32.857-06:00

Well, there's an easy way to find out what you are spending. Get out a spreadsheet, word document, piece of paper and pencil, or whatever you are happiest with. Then write down everything you spend, every day. It's not that difficult. At the end of each day, each week, and each month, you will see what you have spent money on. When you say you don't know what you spend money on,