Feed: pfblogs.org

Watching the Spender Become a Saver


Who says people can’t change?

Mr. M is a spender, but if his new habits take hold I’m soon going to have no choice but to call him – a saver. I must say this is completely unexpected, I never thought he’d change. I designed our financial system to insulate our nest egg while allowing him to spend a set amount however he wished. It’s almost too perfect.

Mr. M used to spend money as fast, or faster, than he made it. He never planned for the future, saved for a rainy day or for the bills that were coming due. It drove me nuts. After we combined finances I figured his personal account would perpetually have a zero balance, much as it always had. Instead he’s saved over $1000 and has no plans to spend it. Why the change?

His spending money is linked to how much he earns, somehow this has also linked sweat and spending in his mind. Measured in time and effort, money becomes more valuable. Plus lately work has been slow, very slow. Without more money coming in, he is reluctant to spend what he has. Or there is his explanation for the change – uncertainty. He said he is waiting to find just the perfect thing to blow his cash on. He doesn’t want to find something better as soon as he spends it. I love this new perspective.

I changed from a spender to a saver. My spending drove me deep into debt with nothing to show for it. I had stuff in my closets but nothing in my bank accounts. I felt my very survival depended on getting out of debt and changing my ways. But I’d never force a spender to change. My goal was to handle our savings, so Mr M didn’t have to worry about it. But lo and behold, he is becoming a saver along the way. It’s a wonderful sight to see.


Thanks for reading. If you enjoyed this post consider subscribing for updates.

5 comments:

K-money said...

How wonderful! If only Mr. K would agree to the same...

Middle Way said...

That is awesome news. I think the act of coming together helps too -- it isn't all about "you" anymore and there is a higher/larger purpose now as a team. Great job!

Dawn said...

That's great! I was a spender too. I think you took the right way about it, people need to figure it out for themselves - if you had tried to push it might have backfired, but instead he found out that saving can be fun, all on his own. That's awesome - and in my opinion, saving is just as addictive as spending!

TeacHer said...

That's great news! I totally think that people can change their habits; I went from spender to saver, smoker to health nut (ok, not health nut but at least non-smoker), party-er to homebody. It's all about having the right motivation! And once you develop a good habit, and you start feeling good, it's unlikely you'll go back.

Shtinkykat said...

Great to read that people can indeed change! I too have changed but I'm always fearful that the spender in me is always lurking to break free...

Net Worth