The spender knows they want it now and that is all that matters. Question: Did the saver include the spender when establishing the household financial budget and how the bills are to be paid? Does the saver (could also be the money manager) explain how the overall finances work? Do not misunderstand I am not saying it is the saver’s fault. I am saying instead of having the saver and spender financial tug of war, sit down and start talking about money for the benefit of the marriage.

There are savers that are being hurt because they feel they are not being listened to when it comes to paying the bills. They see money continuously being spent when it should be saved or used for bills. Then they come up short for bills. Emotions began to come in and words are said that can hurt, emotional spending can occur and create more bills.

If you are the spender, before you purchase that next item that you HAVE to have (sounds like a want) ask yourself, is it worth it? If you waited until next week, would you still have to HAVE it or would you  have moved on to something else? Take 24 to 48 hours to think about it.

No longer be in a tug of war but rather on the same side.

Tip: The saver does also need to relax sometimes and splurge within bounds. Meaning where it will not affect the overall household finances.