how do you hide your purchases from your partner?
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Re: how do you hide your purchases from your partner?
Postby HappyHumber » Fri Jan 06, 2012 1:19 pm
Hit me up via the BNA dm; I'll get an alert. If y'know, you know.
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Re: how do you hide your purchases from your partner?
Postby Xplora » Fri Jan 06, 2012 1:23 pm
Jules, you've started a thread called "how to you hide your purchases" - I think you'd have some red marks under those knicks for SUREjules21 wrote:you can't let them whip you too much
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Re: how do you hide your purchases from your partner?
Postby jules21 » Fri Jan 06, 2012 1:29 pm
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Re: how do you hide your purchases from your partner?
Postby blossy84 » Fri Jan 06, 2012 1:50 pm
My husband and I have seperate accounts (but joint savings account) and like Bill said, what's left over in our accounts we can do with it whatever we want. I spend more though as I want to spend of my cycling, massages, girly things, clothes...so much I want. heheParker wrote:That's great to hear! As a female (me), who has her OWN financial goals its good to see relationships can work well when each other has their OWN money.ruscook wrote:+1 Spot on. We've been married for 25 years and have always had mine, hers and ours savings accounts as well as a central bill account. Based on our different earnings different amounts go into each. What is left in our own accounts, we spend as we see fit. Works for us, removes the need for lying, cunning kits etc.liamb wrote:I cant be bothered with deception, I just go with the truth. I save my space cash for what ever I want, as long as the bills are paid we spend our spare cash as we see fit. She buys trashy tv mags 20 sets of baby clothes all the same and clothes for herself, I buy what ever I need or want at the time. We might be a bit different with our finances, we have our own separate savings accounts but there is never any arguments or questions if its our own cash!
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Re: how do you hide your purchases from your partner?
Postby MarkG » Fri Jan 06, 2012 2:02 pm
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Re: how do you hide your purchases from your partner?
Postby Marty Moose » Fri Jan 06, 2012 2:07 pm
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Re: how do you hide your purchases from your partner?
Postby cjrich » Fri Jan 06, 2012 2:09 pm
She has no problem with safety related purchases, so that new groupset is because the old one is becoming unsafe
I also get my purchases sent to my office, more for convenience that anything else.
If she finds out or I fess up it's usually negotiated by a nice dinner at a classy restaurant, at my expense of course.
I live by the old rule of "forgiveness is easier than permission".
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Re: how do you hide your purchases from your partner?
Postby jules21 » Fri Jan 06, 2012 2:10 pm
exactly - brake pads have a finite lifespancjrich wrote:She has no problem with safety related purchases, so that new groupset is because the old one is becoming unsafe
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Re: how do you hide your purchases from your partner?
Postby queequeg » Fri Jan 06, 2012 2:28 pm
I am only coming up to 5 years (though we will have been together for 10). The big problem is that we are a single income family. My wife has no income, except what she gets from me. To avoid any "issues" with her spending money on "stuff", I provide her with a monthly "I don't care what you do with it" fund. She can then spend that without involving me, and I don't have to worry about it.ruscook wrote:+1 Spot on. We've been married for 25 years and have always had mine, hers and ours savings accounts as well as a central bill account. Based on our different earnings different amounts go into each. What is left in our own accounts, we spend as we see fit. Works for us, removes the need for lying, cunning kits etc.liamb wrote:I cant be bothered with deception, I just go with the truth. I save my space cash for what ever I want, as long as the bills are paid we spend our spare cash as we see fit. She buys trashy tv mags 20 sets of baby clothes all the same and clothes for herself, I buy what ever I need or want at the time. We might be a bit different with our finances, we have our own separate savings accounts but there is never any arguments or questions if its our own cash!
Bill
Problem this year is budgeting. She wants to do certain things that cost a fair bit of money. For example, she wants to put Child #1 into Day Care 1 day a week. I said that is fine, but you need to find the $400 per month to do it. As she does not currently work or study, we get no childcare rebates, and we don't qualify for the means tested benefits. She does not have the faintest idea how much it costs to run the household, and has shown zero interest in financial matters. That means I am the one earning all the income and paying all the bills. This year I am cutting my "eat at work budget" by at least 50%, and aiming to reduce to the "eating out and takeaway" at home by 75%.
I am not sure how it is going to go when I say "this is what you have to spend per month". We've been going backwards a bit and eaten into our reserve funds due to moving house, so we need to build that back up again, and also pay off as much of the mortgage as we can in the next couple of years (60% of net income going on mortgage). I look forward to when my wife starts working again. After 9 years of a single income I am ready for someone else to take on some of the financial burden.
As for the bike stuff, I have been pretty lean this year. Other than the new bike I have only purchased consumable items like chains/brake pads. I have nout purchased any new clothes in 2011, but to start off 2012 I have managed to acquire a full cycling kit (Bib Knicks, Jersey, Socks, Hat) through work for free (work branded kit). I offloaded all my 9-Speed spare parts when I sold the Hybrid bike. The new bike should last a lifetime (I broke two Hybrids in two years!).
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Re: how do you hide your purchases from your partner?
Postby jules21 » Fri Jan 06, 2012 2:38 pm
but you need to get on that. we're about to get married and have a joint account. to manage that, we've agreed to draw up a budget, with his-and-hers discretional funds. mismanaged finances between couples is a significant cause of relationship problems - i'd recommend you be proactive on that and have some tough conversations if that's what it takes, as they'll come anyway if you let it go.
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Re: how do you hide your purchases from your partner?
Postby Ken Ho » Fri Jan 06, 2012 7:27 pm
We do much better with financial recklessness, and as such, we buy whatever we can afford. The credit card gets a fair old reaming at times, though always seems to recover.
We also have a rule that if it's fitness related, it's allowed, no questions asked. We are as bad as each other, and never go shopping on a Saturday morning, because that's when things really get interesting.
She bought me new stuff for Xmas, like carbon wheels and a trainer, and found me some mad jerseys on line last year.
It's nice for partners to support hobbies.
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Re: how do you hide your purchases from your partner?
Postby Marty Moose » Fri Jan 06, 2012 8:03 pm
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Re: how do you hide your purchases from your partner?
Postby PawPaw » Fri Jan 06, 2012 8:04 pm
Tell her your mates who don't cycle have hoon cars and fishing boats = $25k-50k up front and $3k pa.jules21 wrote:as we're getting married soon, has anyone got any further tips/tricks i can take on board?
Your hobby costs $5k upfront and $1.5k pa, and saves you $3k pa in future medical bills.
Then tell her what you save on hoon cars and fishing, you'll spend on paying down the mortgage and taking her on hols.
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Re: how do you hide your purchases from your partner?
Postby ruscook » Fri Jan 06, 2012 9:00 pm
Don't see anything about being whipped in being open about what I spend my money on. The same applies to the wife.jules21 wrote:don't take this the wrong way, i admire your integrity, but it's fun having a bit of drama with the missus and seeing what you can sneak through. you've gotta live dangerously a bit, you can't let them whip you too much
If you're both aware you're doing this and enjoy it fair enough, but I'd hate for it to build resentment between you two, especially if times got tough.
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Re: how do you hide your purchases from your partner?
Postby Releng » Fri Jan 06, 2012 9:07 pm
First up I get pre purchase approval, including disclosing of all projected cost including any contingencies up front.
Once I have preliminary purchase approval I move into the negotiation phase and get firm prices and follow up with an expenditure application, including cost benefit analysis. If this results in Capital approval I then proceed with the budgeting process and schedule in the expenditure when the funds liquidity allows.
This process seems to keep the Financial controller happy. And that is the main thing.
After all whats mine is ours, whats ours is hers and whats hers is hers as well.
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Re: how do you hide your purchases from your partner?
Postby queequeg » Fri Jan 06, 2012 9:24 pm
Oh, we have plenty of trust...she trusts that I earn enough money to pay for everything. Before we moved, I was the sole owner of the house because we were not together when I bought it. She made no financial contributions to that house (and was not capable of making any because she has no income). With Child #2 coming along, we needed to move from the small apartment and into a house. This time everything is in joint names, joint accounts. Since she had no income, it actually meant the bank would lend us less to have her name on the documents, even though I am making all the payments on my own either way.jules21 wrote:queequeg, i started this thread as a bit of a laugh, tongue-in-cheek. my partner and i have a lot of trust, which is why it's funny (for me) to sneak bike stuff past her.
but you need to get on that. we're about to get married and have a joint account. to manage that, we've agreed to draw up a budget, with his-and-hers discretional funds. mismanaged finances between couples is a significant cause of relationship problems - i'd recommend you be proactive on that and have some tough conversations if that's what it takes, as they'll come anyway if you let it go.
So, for the last six months we have had all the new house and new baby expenses to deal with. That was ok because I left a lot of money in the budget for this kind of stuff. However, the party is over now and I told her we must do a budget because she has grand plans and just expects that the money is there. I said it is fine to have plans, but first you need to budget for them, and need to track that budget. I guess with me, I spend just about everything on bike stuff. I don't buy clothes, I don't buy shoes, I don't buy DVDs or CDs, Books, Magazines or anything like that. Most of my expenses are food and bikes, so there is not much to cut.
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Re: how do you hide your purchases from your partner?
Postby Mugglechops » Fri Jan 06, 2012 10:39 pm
Hey, that's my scamMarkG wrote:Get everything posted to work, sneak it in while she's still at work, then destroy the packaging
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Re: how do you hide your purchases from your partner?
Postby Mulger bill » Fri Jan 06, 2012 11:16 pm
Anything bigger, typically a new bike is discussed. It usually goes : "Dear, I need/want a new blah blah because yada yada." "OK then."
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Re: how do you hide your purchases from your partner?
Postby Ken Ho » Fri Jan 06, 2012 11:36 pm
We only buy what we can afford, as I said, not everything we want. If we can afford it, we don't give each other grief over it, is my point.Marty Moose wrote:Yes sounds good Ken but you must have budget to be able to do that its great you do.
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We've tried being "conventional" with money and investing and stuff, but it never makes our life better. We've found buying stuff we want to have fun with is q much better investment in ourselves and our health.
No kids, I might add.
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Re: how do you hide your purchases from your partner?
Postby liamb » Sat Jan 07, 2012 11:09 am
At a very early point in the relationship I told her it wont work having a combined account so we maintained separate account. We still have discussions about money but never "WHAT the F did you buy" but more like man the bills never seem to be easy.
Watched my best man at my wedding try to hide "toys" from his other half for years and watch the relationship fall apart. None of it was huge but it was always argument causing and amounts to deception.
Jules I think if you want some "fun Drama" watch home and away or Days of our lives. I can think of a million things better than stiring up my wife over money and deception.jules21 wrote:don't take this the wrong way, i admire your integrity, but it's fun having a bit of drama with the missus and seeing what you can sneak through. you've gotta live dangerously a bit, you can't let them whip you too much
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Re: how do you hide your purchases from your partner?
Postby MikeyD360 » Sat Jan 07, 2012 1:10 pm
I also had a chuckle at the "my greatest fear is my wife selling all my gear for what I told her I paid for it" soooo true
My wife tends to have a bit of a psychic streak (or a private investigator following me) so much so that after I bought my Garmin Edge 500, when I offered to tell her about my day she said "you bought that computer thingie for your bike didn't you"... I was sprung!
But ultimately I found that trying to hide purchases altogether does create problems with trust and arguments, so the easiest, safest and least guilty way of sneaking it through is to:
a) buy item at $500rrp
b) bring it home, present it to the missus
c) make a point of how you saved so much money because it was on sale for only $150
d) PROFIT???
e) hope she never gets wise and calls the shop to price check.
This has worked flawlessly for me for a while now, particularly with bikes & parts, PS3 games, new bits for the PC. Every now and then it's even true, which always feels nice.
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Re: how do you hide your purchases from your partner?
Postby jasonc » Sat Jan 07, 2012 1:34 pm
my wife is an accountant. I tell her about all the purchases as we share 1 bank account and 1 ccard and I'm not really the cash carrying kind of bloke. Heck - I even get her to do some of my purchasing for mecjrich wrote:My wife is an accountant so if I don't "discretely" purchase, I don't ride.
my bike is my car so most of it gets easily accepted. i just don't let her add up everything I've spent in the last 12 months - I did and it was scary.
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Re: how do you hide your purchases from your partner?
Postby MikeyD360 » Sat Jan 07, 2012 3:32 pm
Change of subject slightly, but with no work or study - if my partner came to me for $400/month to put a child into daycare my response would be "toughen up princess"queequeg wrote: I am only coming up to 5 years (though we will have been together for 10). The big problem is that we are a single income family. My wife has no income, except what she gets from me. To avoid any "issues" with her spending money on "stuff", I provide her with a monthly "I don't care what you do with it" fund. She can then spend that without involving me, and I don't have to worry about it.
Problem this year is budgeting. She wants to do certain things that cost a fair bit of money. For example, she wants to put Child #1 into Day Care 1 day a week. I said that is fine, but you need to find the $400 per month to do it. As she does not currently work or study, we get no childcare rebates, and we don't qualify for the means tested benefits. She does not have the faintest idea how much it costs to run the household, and has shown zero interest in financial matters. That means I am the one earning all the income and paying all the bills. This year I am cutting my "eat at work budget" by at least 50%, and aiming to reduce to the "eating out and takeaway" at home by 75%.
I am not sure how it is going to go when I say "this is what you have to spend per month". We've been going backwards a bit and eaten into our reserve funds due to moving house, so we need to build that back up again, and also pay off as much of the mortgage as we can in the next couple of years (60% of net income going on mortgage). I look forward to when my wife starts working again. After 9 years of a single income I am ready for someone else to take on some of the financial burden.
That said, I'm a selfish and insensitive man, so if you want to stay married, don't take my advice
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Re: how do you hide your purchases from your partner?
Postby munga » Sat Jan 07, 2012 9:09 pm
also, she says i'm at my best when tinkering with my bikes, so she approves.
ps: daycare is good for the child, so it's also an investment.
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Re: how do you hide your purchases from your partner?
Postby Toolish » Sat Jan 07, 2012 9:48 pm
Do you have kids?MikeyD360 wrote: Change of subject slightly, but with no work or study - if my partner came to me for $400/month to put a child into daycare my response would be "toughen up princess"
That said, I'm a selfish and insensitive man, so if you want to stay married, don't take my advice
The decision to put a kid in child care should be a joint one.
That said we only put our kids into child care so the mrs could go back to work a couple of days a week, but it has been great for their development.
As faras sneaking purchses in I don't, my mrs is fairly understanding and I don't ask for things I know we can't afford. That said I am eyeing off a powermeter which could strain things a bit!
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