Can I vent about DH - he just doesn't get it!

My dh and I are always arguing about money and whether or not it should go toward vacation. I always want it to, he wants to put it into upgrades to our house, etc.

He doesn't understand why I would want to go on vacation every year...and i"m not even talking about going to Disney every year. We went in 2008 and we planned to go again in 2011, even though he really didn't want to. Well, I found a great deal, my mom's going with the kids and me instead and covering more than 1/2 the cost, so my total cost is only 1K. not too bad, right? He's still complaining. so, I feel your pain. :)

I don't know how much debt you have, but i can see how your dh would want to pay some of that down and not go to Disney EVERY year. What about compromising and going every other year?
 
I realized this this is a little off of the topic at hand, but I can't help thinking while I'm reading your posts that maybe moving isn't really necessary.

You're obviously making it work now in the smaller house, and, as you say, it's fixed up the way you like it. You seem to be in a comfortable position, equity-wise and the house is desirable.

The oldest two will be out of the nest in 10 itty-bitty years and the youngest isn't much far behind. Is it worth getting a bigger house for only a handful of years?

Maybe letting go of the idea of moving might be best for everyone. Think of the breathing room and freedom you'd have! You'd have so much more flexibility with your money to travel, invest, and have experiences you've always wanted.

Of course there are plenty of factors that no one but your family is familiar with, but that's my outsider's take based on what you've posted.

Those were my thoughts as well. We are a family of 6 live in a house just over 900 sq feet. We talked seriously about moving into a bigger house a couple years ago and looked at it as :, we are paying this mortgage down, moving into a big house will leave us with a big house and no kids in ten years or so, why do we want a big house once the kids are gone, we want to be able to save for retirement, college, trips etc things we wouldnt be able to do with a bigger house and a bigger mortgage. We chose to stay in our little house. My kids are very close and aside from use encouraging that closeness as parent I think being in close proximity to each other in this house has really helped that. They had to learn to get along and compromise because there has never been any getting away from each other lol.
 
I'm sorry but if I had any level of credit card debt, I would not be planning any type of vacation! Yes, family memories are important, but there are lots of ways you can do that for MUCH less. Camping was a great idea. Day trips. Trips to visit family relatives you don't see much. There are lots of ways to make your children's childhoods memorable without going to disney multiple times. Most people I know IRL take their kids to Disney ONCE if at all. It sounds like you've got to go multiple times already with them. Our trip coming up now my kids are 6 and almost 4 and this will be their first trip ANYWHERE! And I don't think they have had a bad childhood. We have travelled (by car) to visit family, done camping trips, cottages, day trips... lots of great memories, but without spending a lot of money.

$3000 is a lot of money, and the other posters are right. You should have "just in case" money saved... and what about the children's education funds and money for your retirement. If you have credit card debt, I'm thinking those other things are not at the top of your radar, and they are even more important than a new home.

Yes, trips are important, but there are many more higher priority items in life.

If you do insist on going to Orlando next year, I"m sure you've seen with your research that going to many different groups of parks (disney, sea world, and universal) gets very expensive. The cheapest way to do the tickets is to do one group (either disney parks, universal parks, or sea world/busch/aquatica). That alone will cut down the cost quite a bit.

However, I would seriously think about priorities and maybe rethink your ideas of what makes a good childhood. Also by teaching your children to expect extravagant trips so often, they may not learn to appreciate them as much, and want to grow up offering the same things for their families. Not everyone can afford that... DH and I both make very good money, and we can't afford yearly trips with the kids! We have education funds, retirement, mortgage paydown, etc. Our future is just as important to us as the present... and believe it or not, our kids are not deprived in the least! Good luck!
 
Let me tell you about our big house. When DH and I got married we had four children between the two of us. All living with us. Ages were 3 (boy), 5 (girl), 8 (girl) & 12 (boy). Since all the children were used to having their own bedrooms, we decided we needed to have a larger home. We felt that blending a family was hard enough without making the children share bedrooms. Our home has 5 bedrooms, 3.5 baths and a bit over 3,200 sf of living space.

Fast forward two years. DH's ex completed alcohol & drug rehab and stayed clean for over a year. His children went to an every other week schedule (a week with mom and a week with dad). She lived about a mile from us and in the same school district so it worked ok.

Fast forward two more years. DH's oldest (now 16) decided to live with mom full time.

Fast forward five years. DD #1 has graduated high school and is now in college, living about 14 hours away.

In 9 years we went from having 4 kids living with us to 2. We now have 2 empty bedrooms. House is really too big for us at that point.

Fast forward three years. DD#2 has graduated from high school and is in college. Currently she is commuting, but talking about transferring to a college further away next year. Then we'll have three empty bedrooms.

In two more years DS #1 will have graduated from high school and be off to college. At that point we'll really have way more house than we need. Our plan is to sell then and downsize. We're not doing it now as we love the area we're in, the school system, our neighbors, and its really not a great time to sell.

In the meatime, I still have to clean a 5 bedroom, 3.5 bath, 3,200 sf home every week.

If you're comfortable in your smaller home, everything is the way you like it, and you like your neighborhood, I would stay there.
 

I agree with both the PP's. While going to Disney often is nice, it really isn't a necessity for making memories. I live about an hour away and even we don't go over all the time. We have other priorities, college funds, retirement and general things around the house that need fixing. If we need a vacation break then we hit the beach for the day, go to the zoo or do something else close by that won't kill the budget. A good rule of thumb and one told to me by my elderly neighbor is if you can't pull out 1k in an emergency right now then you haven't saved enough.

I also agree with the housing situation. There's going to be a time when the kids are gone and it's just you two. Do you really want to spend all day cleaning a huge house? While it sounds nice when the kids are young to have a big place when you get older the idea of cleaning that much space just for two people can be overwhelming. I have trouble keeping up with mine and it isn't that big either.
 
Sorry your husband had this kind of reaction.

It sounds to me like there is a bigger issue here. -
*cough*miss*cough*tress*cough*

That said... Our company allows your family to tag along. We are in education, so when we host and go to conferences, everyone brings the family usually. no big difference. hotel, car and the employee's meal are ccovered, plus tolls and some other items.

Even if it wasn't and I needed to go somewhere, i'd pay outside of the travel co, my wife and kid's fare to be on the same plane as me, or i'd request a certain flight, knowing there was space.
 
Also, to the OP, not to be harsh, but a week or two ago you posted about how replacing a $40 wii game that was a relatives, that your child may have damaged, was going to put a big dent in your budget.

If I didn't have a spare $40 now... I wouldn't even dream of spending $3000 in 8 months. Please seriously think this out.

If the trip is that important to you, is there any way you can get a part time job to help pay for it (I believe you are a one income family). Maybe in the evenings when your DH is home or something? Or what about trying to find something you coudl do from home (as your kids will be in school most of the day), or even taking in some other kids to babysit while you are home with your youngest? Just some ideas... but I'd seriously think through your priorities!

Good luck!
 
On the other hand, my parents have six bedrooms. My mother keeps half the house locked up for half the year so she doesn't have to clean it.

But I'm the only child who lives close. And she has my two kids up fairly regularly. This summer, she had my sister and her husband and their two kids and my two kids - eight people living in her house for a few weeks. If my other sister comes into town, she gets two more. She loves it, though (otherwise, I wouldn't let my kids add to the burden).

My Dad retired last year and more rooms got opened. My parents love each other and have been married 45 years - but for 44 of those years my Dad travelled a lot for work - too much togetherness is not good. So my parents have rooms to themselves - unless all the grandkids are in the house - then my Dad loses his rooms to guest beds and goes fishing.

Or my mother in law - she doesn't have overnight company because she can't fit it in her three bedroom home - her kids both moved out twenty five years ago and she's putting on an addition to get four bedrooms. Her current setup is one bedroom is their bedroom, one is her husband's office, one is her sewing room. But they don't have space - her studio is in the unheated garage. She is something of a packrat - and I hope I'm not 72 years old and putting on an addition for my stuff, but she needs it.

Me - I'm looking forward to dumping my stuff and moving into a small place when the kids leave home....but that doesn't work for everyone and it isn't uncommon to find yourself needing more room when the kids are gone.

This market is a little odd, but usually, if you can stay in a house around five years, you can sell it and break even. So moving into a bigger home to raise your kids, then moving to a smaller place to retire isn't a bad financial move - and can give you space if you crave it.
 
Also, to the OP, not to be harsh, but a week or two ago you posted about how replacing a $40 wii game that was a relatives, that your child may have damaged, was going to put a big dent in your budget.

I didn't make the connection. I agree - if your budget is that tight, I would not be comfortable planning a WDW trip, even if it was partially subsidized by DH's business trip. Yes, I know how frustrating it is to have the opportunity to save on your trip by piggybacking onto a business trip, and have to pass it by. I've been there and done that. But at the time, we decided that we wouldn't have spent that amount on a trip if the business trip wasn't involved, so it made no sense to spend that amount to piggyback onto a business trip.
 
Also, to the OP, not to be harsh, but a week or two ago you posted about how replacing a $40 wii game that was a relatives, that your child may have damaged, was going to put a big dent in your budget.

If I didn't have a spare $40 now... I wouldn't even dream of spending $3000 in 8 months. Please seriously think this out.

If the trip is that important to you, is there any way you can get a part time job to help pay for it (I believe you are a one income family). Maybe in the evenings when your DH is home or something? Or what about trying to find something you coudl do from home (as your kids will be in school most of the day), or even taking in some other kids to babysit while you are home with your youngest? Just some ideas... but I'd seriously think through your priorities!

Good luck!

I remember that post! The poster said if they had to replace the damaged $40 Wii game, the amount would have to come out of their child's Christmas gift budget and that would be one less gift they could afford for their child. She couldn't afford to replace the game and purchase her own child a game for Christmas (over three months away).
I also remember a few references to how well-off the sister (who owned the wii game) was, and how they made much more money than the OP.
I didn't realize it was the same poster as the OP here. Interesting how the financial picture sounds very different in the two posts. :confused:
 
The idea of piggy backing onto a business trip sounds like a good money saver...however....as my DH always says, sometimes you can't afford a good deal. Regardless of the savings, you are still spending $3000 and it could be the $3000 you can't afford to spend.

There's so much sound advice coming from the posters on this thread that I don't think I have anything new to add. However, I do empathize with the OP's DH. As the sole breadwinner of his family, he's probably feeling the stress of balancing "wants" with his family's finances.

He probably reacted the way he did because he definitely wants all those things for his family and wants to give the OP what she wants, but recognizes that it won't work if they want to achieve their financial goals. My DH and I have been there, and it's a frustrating place to be. But we perservered in saving and earning. Bottom line is: It takes a lot of sacrifices and working together with your spouse to achieve the financial goals. Good luck to the OP!
 
What I don't understand is how they're on such a tight budget if they can come up with 3 grand in less than a year for just spending money.

There's about 8-9 months between now and the conference. $3,000 towards the vacation, and I'm assuming the CC debt isn't just a couple hundred dollars as they would need to be saving about 400$ per month to come up with the money for the trip. Let's assume another $1,000 on this debt. 4,000$ total divided by 8 months is $500 of disposable income each month.
If she's been a stay at home mom even for 5 yrs, that's $30,000 in savings they could have. And plus the equity in their home, another $100,000. That's a sizable down payment on a new house. And even just $250 more a month on a mortgage payment can significantly increase your loan amount.

If you do have $500 extra per month, what kind of other savings have you been putting this money into?? College funds, retirement funds, emergencies (although she wouldn't have the CC debt)?? Or is it strictly for the vacation/christmas/birthday funds to provide everything you want for your children??

I'm a little lost how purchasing a new Wii game would put a hurt on the Christmas budget.
 
well I think sometimes people exaggerate to show a point. Like I might say , I had a flat tire and my hole day was ruined! when really it only took up 1 hour of my day. Maybe when the OP was writing the last post ( i remember it , but didnt' take the time to re-read it today) she was just trying to prove a point? IDK, this post makes me upset to my tummy because I don't think things are how they seem...
 
The Wii game topic summary -
Her son was at her sister's house playing the Wii unsupervised in the basement.
Son is a bit clumsy with games and taking care of them.
Sister writes an email explaining that the son ruined one of the games during his time there.
OP implied that she would like to purchase the game for her own child for christmas, but if she has to replace the messed up one, then there would not be enough money to buy a second copy for her own son.
OP wanted to know if her sister was implying that she replace the game, or just tell her son not to play with any CD/Discs that may be at the aunt's house.
Of course, she had to bring up the whole, We're a family of 5, stay at home mom, tight budget, and she was going back to school. And then say how much "more" her sister has for her children.

I think the OP is jealous of her other family members and wants what they have. But through their life choices, they have not achieved what every one else has. I think making frequent trips to Disney or Orlando, even though doing it cheaply, she's still keeping up with what the rest of her family does. She needs to learn to be happy with what she has, and worry about what needs her kids will have in the future (like college funds). A big house, vacations every year, and whatever else she thinks she's withholding from her kids being kids are not the only things in life.
 
well I think sometimes people exaggerate to show a point. Like I might say , I had a flat tire and my hole day was ruined! when really it only took up 1 hour of my day. Maybe when the OP was writing the last post ( i remember it , but didnt' take the time to re-read it today) she was just trying to prove a point? IDK, this post makes me upset to my tummy because I don't think things are how they seem...


Pun intended?????
 
The Wii game topic summary -
Her son was at her sister's house playing the Wii unsupervised in the basement.
Son is a bit clumsy with games and taking care of them.
Sister writes an email explaining that the son ruined one of the games during his time there.
OP implied that she would like to purchase the game for her own child for christmas, but if she has to replace the messed up one, then there would not be enough money to buy a second copy for her own son.
OP wanted to know if her sister was implying that she replace the game, or just tell her son not to play with any CD/Discs that may be at the aunt's house.
Of course, she had to bring up the whole, We're a family of 5, stay at home mom, tight budget, and she was going back to school. And then say how much "more" her sister has for her children.

I think the OP is jealous of her other family members and wants what they have. But through their life choices, they have not achieved what every one else has. I think making frequent trips to Disney or Orlando, even though doing it cheaply, she's still keeping up with what the rest of her family does. She needs to learn to be happy with what she has, and worry about what needs her kids will have in the future (like college funds). A big house, vacations every year, and whatever else she thinks she's withholding from her kids being kids are not the only things in life.

OP here again - quite a bit of summary you have provided. It's actually interesting to read this, because it helps me see the other side of a situation, so thank you.

Just a few quick comments - the Wii game situation is over. The big issue was not knowing if DS had actually broken the game (he says he did not) - because no one knows when the game was used. It was equally likely a neighbor (or rather, neighbor's daughter - toddler allowed to tear things apart) did it too. Regardless, it was not brought up again, and we supplied my sister with some items she needed from Sam's Club.

As to "bringing up the whole family of 5 - SAHM" thing - that has a lot to do with my family dynamics that no one on here could possibly know about. To clarify a bit, we made the choice to live rather modestly and have me stay home with the kids. My sister works, and receives free childcare from my mom (not offered to me - I asked once when I tried to take a p/t job and was turned down). My sister also had her first house essentially purchased for her, had tens of thousands of credit card debt paid off by my parents etc. It's a sore subject in our house, but just the way things are. But it certainly puts a slant on things. Is there some jealous - sure - it's a pretty unfair situation. Is it going to change? No.

I am a BIG TIME budgeter. Every penny is accounted for. If I had to replace a Wii game, the money needs to come from somewhere. Yes, it would come from the xmas budget (as it happened, we took it from the grocery budget) if DS did break the game. We do have an emergency fund, and college educations are taken care of (DH and I both work for colleges), and I do work p/t to bring in some extra income (work when DH can be home with the kids). We are on a cash-only system right now, and working to pay off the bit of cc debit we have leftover from some emergencies alst year.

I keep repeating this, but if there is any cc debt at all - WE WON'T BE GOING ON VACATION. Period. We're both in agreement with this. We will only go if we have cash to pay for it.

In reference to THIS thread, I did talk to my DH the other night when he got home from work. It seems our biggest communication failure is in how we define things. His concern is that we are very frugal, and therefore that means we don't have money. For example, my family likes to go out for dinner for each person's birthday - there's a lot of us, so a lot of birthdays, and it gets expensive to go out all the time. It's not something we normally do, so last year I mentioned that we would like to invite the entire family to our home for cake/coffee after their birthday dinners. They are all still welcome to go out, and we can still see them and celebrate with them, but we weren't locked into going to 11 expensive birthday dinners a year. I saw this as a budgeting move - my DH sees it as "pleading poverty."

It also seems it's more an issue of him specifically NOT wanting to do Disney simply because it's Disney and we've done it, rather than the money (since we both agree that we won't go anywhere if there is any debt and no cash).

But we were at a family wedding last night and his cousin started asking us about Disney (they are planning their first family trip) and DH started getting excited about it. He even asked his mom if she'd be interested in going this summer if we go.

So - in summation - budgets are written, Wii game is a non-issue, and vacation is only a possibility if debt is paid off. We still have a long time before June.
 
And thank you to everyone who commented about the housing situation. We really just want another bedroom - and if it was possible to simply plop one down on our current home, I would (it's a townhome, so not possible).

I have no real issue with my kids sharing rooms, but my middle DS has some special needs (some severe social anxieties) and it's really hard to find him space that is just HIS to chill out in. I am very sensitive to that, and feel that it would help him calm himself/his fears.

I do not want a huge house, because I do know all too well that kids grow up too quickly. I am sure we will move someday, even if the kids are older, because we don't love being in attached housing (we've been kept up by the neighbors too many nights!). But we are rather cautious about big purchases, so we'll only buy something that is "right" house at the "right" price.
 
I just wanted to add that I think this comment above is a HORRIBLE thing to say to someone. Really... REALLY... horrible...and completely unnecessary. :confused3

Really? I think its spot on... to be honest I showed like 6 others this thread and we are all shocked no one but like 3 of us are stating the obvious... but its always hard when people talk about the sort of stuff that know one ever wants to think about.
 
Really? I think its spot on... to be honest I showed like 6 others this thread and we are all shocked no one but like 3 of us are stating the obvious... but its always hard when people talk about the sort of stuff that know one ever wants to think about.

It's especially hard if someone mentions something like that jokingly, sacrcastically and IMO without tact.
 












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