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tina242


Kate Spade

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Clothing budget - do you & DH have an agreement?
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Do you agree on a certain budget for clothing with your husband?  

I spent $150 on a jacket and my husband was kind of shocked...now I have buyers remorse.  I know this is kind of personal, but how much do you have set aside for clothing each month/week?  Only answer with a dollar amount if you want to, of course.

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HeatherLynn


Gucci

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Clothing budget - do you & DH have an agreement?
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I'm not married so I won't answer for my situation, but my parents do discuss any purchase over a certain amount. That doesn't go just for clothes, but for anything either of them purchase. My dad says it definitely helps them and makes both of them feel respected and like his/her input is appreciated. My mom does occasionally go on shopping sprees and doesn't call my dad, but she knows what she can reasonable spend without him caring.

ETA: I'm not sure what the amount is, but its an amount they agreed upon together.

-- Edited by HeatherLynn at 22:38, 2007-09-27

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kittenheels


Coach

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Dh and I  have separate credit cards.  I tend to put my clothing on my credit card, and pay for it out of my salary.  We have a joint account, but each keep some money separate for "treats."  I generally don't consult him, but we both know what our financial responsibilities are, and budget accordingly.  That said, I am open with what I spend.  Also, DH likes really nice suits and ties himself, so he understands the importance of lovely clothing and nice shoes (in theory)...



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atlgirl


Gucci

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Clothing budget - do you & DH have an agreement?
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We do...we have budgets for all sorts of things. He has a golf budget, I have a shopping budget. As long as I keep within (okay...some months *around*) the budget, he doesn't care what I spend on any one specific item. Same for him - he could blow $500 on a big golf weekend with the guys, or use that same dollar amount to play several times, depending on whether he plays on a public or private course.

$150 is not crazy money for a jacket...!

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NCshopper


Hermes

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DH and I pretty much always touch base with each other before buying stuff. We don't really have a set dollar amount, but we just talk before buying stuff just to make sure that a) there isn't some other bill about to be taken out of the bank account that we don't know about and b) just to make sure that the other didn't have their heart set on something else. It's not a "permission" thing at all--I think of it as just a courtesy.

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kealoha


Kate Spade

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RE: Clothing budget - do you & DH have an agreement?
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we have individual bank accounts so it has never been an issue.  i'm a bargain shopper so he doesn't care, but now that we're homeowners, i my shopping priorities will shift from clothing to household items.  for us, as long as the bills are paid, we don't care how the other spends their money.



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joy0302


Kate Spade

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My husband and I usually set a budget every pay day on what we need to save and then split what we have to spend. That can vary depending on various bills and then extra OT money. Sometimes though if there is something that he wants that is alot more he will try to talk me into something more expensive so he can go over his budget too!! Sneaky that husband of mine!! lol!!

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lynnie


Chanel

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i'm not married, but the only way i'd personally feel comfortable is with a private account in addition to a joint one.  That way I could just budget myself for my purchases.  Unless I marry a somewhat stylish guy, I cant imagine trying to explain the cost of a lot of the things I buy...

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ILoveChoo


Hermes

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NCshopper wrote:

DH and I pretty much always touch base with each other before buying stuff. We don't really have a set dollar amount, but we just talk before buying stuff just to make sure that a) there isn't some other bill about to be taken out of the bank account that we don't know about and b) just to make sure that the other didn't have their heart set on something else. It's not a "permission" thing at all--I think of it as just a courtesy.





this is what we do too.

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erin


Chanel

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Clothing budget - do you & DH have an agreement?
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well he doesn't really concern himself with my spending as long as our bank account is above a certain number. i am actually heavier on the pursestrings because i make him ok big purchases with me because he is wishy-washy about things and will drop his interest in something major like a month later. (ie, he bought a 600 bass, and then lost interest a few months later, thankfully he was able to sell it for the full amount) i usually mull over purchases for awhile and ebay like crazy to make up for things so it all balances out. that said, when i mentioned i bought a purse recently and he curiously asked me how much it was, i told him i'd rather not say!

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Bastet


Kate Spade

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RE: Clothing budget - do you & DH have an agreement?
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NCshopper wrote:

DH and I pretty much always touch base with each other before buying stuff. We don't really have a set dollar amount, but we just talk before buying stuff just to make sure that a) there isn't some other bill about to be taken out of the bank account that we don't know about and b) just to make sure that the other didn't have their heart set on something else. It's not a "permission" thing at all--I think of it as just a courtesy.


^ That's what we do, too.  That said, my husband shops twice a year: after Christmas and after his birthday because that's when he gets gift cards. :P  He doesn't seem to care if I spend around $50 here or there, but gets very grumpy if I spend more than that, even if it's completely affordable. He just thinks I have too many clothes. 

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jj


Kate Spade

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I'm with NC and Atlgirl, we check in when appropriate and have budgets. It doesn't have to be even-steven - I feel like I get a larger spending budget than he does. Thankfully, he gets fashion and likes to help me shop and be my stylist.

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ViViDogWear


Kate Spade

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I love this question. FI doesn't really say anything about what I buy. Well he does ask how much things cost, but I rarely buy full price so he usually agrees I got a good deal. I asked him once how it would work once we got married and he answered me like this: "Well you can hardly manage to pay for your own shopping, so I guess it will be the same as it is now"
In which he pays for most things and I buy all the groceries, some household items, and shop :) Although - he is known for the following phrases "Boycott Shopping" and "Think Green -Consume Less" while trying to appeal to my earth-conscious and labor-conscious sides.


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luckylily


Gucci

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My husband is pretty financially irresponsible. Usually he has no idea how much money we have as I manage the budget and pay all the bills. He really doesn't care how much I spend because he knows I'm really concervative about saving and stuff. Usually if he wants something over, say, $100, he'll just ask me if its doable or if he should wait until next month or whatever.

I know it is awfully weighted in my favor, but this is something we talked about and agreed upon before we got married. When I met him he had collectors calling him and stuff. Not because he didn't have money to pay the bills, but because he'd just toss them on the table and forget about them for months. Now that we have a budget, he's shocked at how much we save and how quickly we were able to pay off his school loans. He's slowly starting to get more interested in our finances, which I'm excited about because I sorta feel like a control freak w/ the money.

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Suasoria


Chanel

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Luckylily, sounds like you're training him well. Good for you.

We kinda-sorta have a rule not to spend more than $100 without consulting each other, but I'm finding him breaking that rule lately. This came about because a few years ago I looked at our Amex bill and he had spent $600 on vitamins in ONE MONTH. I grant you that was a supply intended to last a while, but I went batsh#t. There's no way I'd spend that much on anything without checking with him first.

Also, I've been earning quite a bit more than him for close to 10 years, which may throw off the balance of power a teeny bit.

I don't spend a lot on clothing to begin with, so he usually doesn't hassle me. Sometimes he asks "is that new?" but doesn't ask how much. (Sometimes he asks if something is new that I've had for 5, 10, 15 years though, so he isn't the swiftest about this stuff.)

We also spend a good chunk of money on things that give us both pleasure, like home decor, wine, dining out, and so on. Those are the things we blow the budget on. We will very easily spend $100 on dinner for two, but I wouldn't spend that on a jacket. Which I know is silly...

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Sibeski


Dooney & Bourke

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RE: Clothing budget - do you & DH have an agreement?
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Nope, no budget or really even discussing here for reasonable purchases.  I take care of ALL the finances and shopping.  Very rarely he will do the grocery shopping and that would be stopping for som'n we need that day.  I could be completely robbing hubby blind and he would never know.  He doesn't even follow his own retirement/investments.  I do that for him also.  That being said, neither of us really spend a lot of $$$ and big purchases (TV, etc.) are normally made together.  As long as there is $ to spend when he does want to spend it he doesn't care.

I have to say the system is extremely beneficial to me wink.gif  We discussed all this before we got married.  His job is much more stressful than mine and he works a lot more than I do. He doesn't want to worry about it and I don't mind doing it.  I know many people would find this situation starry-eyed and be uncomfy with it.  It works for us through mutual respect.  I would never go by a $1500 bag w/o consulting him as he would never spend that much w/o consulting me. 


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bloomie


Marc Jacobs

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We have a clothing budget for needed items and then we each have a certain about of "mad money" each month to spend like we want.  I spend mine on clothes and shoes.  We also allot a certain amount to spend on each other for Christmas and I get 70% of that to spend like I want (clothes & shoes).

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AllieGurl


Marc Jacobs

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Clothing budget - do you & DH have an agreement?
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We used to not have a budget. I spent - he didnt. Now we have a strict budget we stick to each month. My budget is almost laughable now , its so low. It has been really hard for me to stick to the budget, so I made myself shred all my CC's a few months ago to avoid any temptation.

If we want to buy something that isnt in the budget or would cut into the other spouses spending $ for the month then we discuss it.

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Drew


Gucci

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RE: Clothing budget - do you & DH have an agreement?
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Wow, you all are impressive. 

I have no control sometimes as I have no set budget.  The general rule is that if business is going well and sales are high, then I can pretty much spend what I want within reason.  However, when sales are low and business is really slow then I am supposed to be pretty much on a shopping ban, with very little fun/clothes shopping.  I am not so great at the bans, but I will "confess" to hubby when I go on a shopping spree during a ban.  The conversation always goes something like this, "DH, I went shopping and spent a little more than I probably should have."  DH will ask me how much I spent and I will make him guess so I can see just what he thinks "spent a little more than I should have" means.  He will usually guess half the number I spent, and then I'll keep him guessing until he guesses higher than I spent.  Finally, I'll tell him the number and say, "but I can take back some or all of it if you want."  And he always says, "If you like it all, keep it, it's ok."  We have that conversation at least once every few months and he has never gotten upset.  I know we can afford what I spend and it won't affect our savings, but at the same time I know DH works much harder than me and really wants to retire early so I do have guilt about my shopping when I shouldn't be.  I'm doing better this year since business is particularly slow and we have the baby coming, but we did just have one of those conversations recently ashamed.

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ayo


Coach

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sort of late on this..

but we have a shopping allowance each month. Regardless of how well things are going we stick to it. If anything we will increase our savings first before increasing our allowance.
If I want a pricey item (in most cases a bag) I just save up for it.

Does mean I always stay within the lines *LOL*. But in most cases my guilt will get the best of me and I will confess to DH.


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