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Having fun yet? No.

November 17th, 2011 at 06:43 pm

Still trucking along with our budgeting and paying off debt, etc. I ran into a little snafu that I completely drove myself into....regarding the HUSBAND and now I am really questioning just how serious he is on getting out of debt.

Here's what happen: Over this past summer we got to a point where we paid off everything but the cars which included my husband's dream truck that was LEASED, my car & my oldest daughter's car - both at 0% interest. Anyway, the truck was a real drag on the bank account due to the payment and the gas consumption ON TOP of being a lease deal. I had broached the topic of selling off cars and he wasn't wanting to do it -- said we needed good cars b/c we had went through hell trying to keep older cars running and stuff before (true story). I told him we didn't have to have old clunker cars but we could get nicer used cars for less money. But he still wanted to just keep what we have, pay them off, drive them forever, etc. Still wasn't good enough for me...I just couldn't rationalize why we would spend 2 more years paying off all those cars when we could get rid of them and be done much sooner. So while all of this is happening, he is also talking about wanting a nicer guitar. He is a musician (not professional) who has been playing a guitar since his teen years -- he is very good and loves music, etc. It is a reasonable request but it was just not in the budget. One day he had started in on the guitar again and I just threw it out there, "we'll get the guitar if you sell your truck!" Suprisingly, he agreed and then we sold his truck. Now he is wanting the guitar and I am still wanting to pay off debt...I'm not backing out of my end of the deal but I was hoping we could hold off for a bit. He is temporarily appeased but his expectation is to get the guitar before we are out of debt. His truck had to be replaced with another car that we owe on so it is not like that payment is gone -- it is just replaced with something much more cost effecient overall (gas, payment, longevity, etc.). Anyway, I made a random comment the other day to his ongoing guitar discussions about "if we got a guitar now, it would have to come out of the emergency fund" -- just trying to see what his response would be. I'm thinking he would say, "no, we don't need to do that -- it is our EF" but all I heard was crickets. He seems to be ok with using the EF for his guitar!! I didn't say anything b/c I know I am the one who got myself into this situation but I was very concerned. I thought we were on the same page...but that is not the case. I am a little saddened but not suprised to be honest. Not sure what to do!!

4 Responses to “Having fun yet? No.”

  1. jewels3 Says:

    "we'll get the guitar if you sell your truck!" Did you put a time limitation on it? Like, "we'll get the guitar if you sell your truck and we are out of debt?" If not, I think you need to honor your end of the deal. It doesn't mean he's not on the same page as you; he did his part in selling the truck.

  2. Big Saver! Says:

    yep, I get it -- and I do intend to honor my promise but I was just suprised that he is willing to use the emergency fund to get it...that is the part that has me worried LOL.

  3. whitestripe Says:

    It was obviously a big sacrifice for him to make and even though I am with you where I would hold off - my DH is much the same. All he has talked about getting for the past two years is a ps3 - if I were to bargain with him about selling something of his and the deal be he got a ps3, he would also want to buy it now. It is just the way some people are.

  4. Jerry Says:

    It obviously doesn't sound like you are viewing this through the same lenses... but to be fair, did you put a time frame on getting the new guitar? He did the first part, and you don't want the issue to lead to resentment on his part when he did what he thought (apparently) was his part of the deal. Hopefully you have some insurance that you can explain to him how things should be going forward to reach the goal! Good luck.
    Jerry

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