Sunday 18^thJuly 2021

Today, I am super excited. 

Last night my husband and I watched the replay ‘Marriage and Money’ with Rachel Cruze and Dr John Delony. Number 1 it’s huge that we actually sat down together to watch this and Number 2, we actually talked about joint bank accounts… this is massive!

Bob and I have been married for nearly 18 years (our anniversary is less than a month away), we had a joint bank account at the beginning, but I really couldn’t cope with his spending and generous spirit so we decided on separate bank accounts and we haven’t looked back since. 

Until that is, I heard Dave Ramsey seven months ago (anyone else wish they’d heard him sooner – like 20 years ago?). Dave clearly believes that to get anywhere with our finances, we need to be on the same page and that means a joint bank account. That scares me. I am a saver and my husband is a spender who likes to be generous with his cash. I wouldn’t mind but he doesn’t have any money to give away!

I am the detailed one: I have bank accounts that work like the envelope system (if you don’t know what I mean, click HERE… and if you would like to send me one of Rachel Cruze’s fab wallets, then please do! I know where my money goes. Every penny has a job to do. Regarding my husband’s finances…I don’t know anything. I presume he has credit card debt but don’t know how much. I know he has a car loan because he just bought a car (second car which is costing a small fortune to get fixed as everything keeps breaking), but other than that I know nothing! How bad is that! Dave Ramsey would be cross! 

Last night, when we were watching the replay of Marriage and Money, Rachel clearly said that she gets lots of hate mail re married couples not having joint bank accounts. I totally get it – not sending the hate mail – but the fear of joint bank accounts. We have been saving for years (we were / are saving for a trip to DisneyWorld Florida but then COVID hit and the whole trip was postponed.) If we jump right into the Baby Steps and do this properly, then the savings can go onto Bob’s debt… I know, I know, it will be our debt. We need to speak French, ‘we, we’.  I know this stuff; I know that it will bring us closer in our marriage and in our money goals – which really excites me. I know that I know we need to jump right in and get on with it so maybe this is our chance. 

We are currently on our annual vacation and so if we’re going to do this, this is the time because we have the time. Next step, the Know Yourself Know Your Money Assessment for couples. 

Click here for the link.

Let’s see how this goes…

Thanks and God bless, 

June xx