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You Know You’re In A Nerdy Personal Finance Relationship When…

10 Nov

…you geek out over checking your credit scores together for the first time.

About a week ago, I saw an article in the NY Times about certain financial things you should do as a couple before getting too serious…and checking your credit report together was one of them.

I can’t believe we’ve never done this together!  So, sometime this weekend, we plan to sit down and have our first “credit report date”.  *sigh* After 3 years, there are still so many firsts to experience. 😉

Do you ever have any geeky personal finance moments with your significant other?

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We May Be Living Together, But We’re Not Sinning Financially

30 Oct

One of my readers, Blair, asked:

I have a question – Do you and Lloyd have a joint budget, or do you keep them separate? How do you split bills… is it even, or is it based on salary?

Thanks for your question, Blair!  I meant to write a post about this awhile back, but never got around to it…

As geeky as it is, Lloyd is even more obsessed with his finances then I am (we’re a match made in PF heaven!).  Before we moved in together, we had several talks on how we would split the costs.

All Things Equal

In my humble opinion, I think each man and woman should pay the same amount for the same things and should not be penalized for making more money.  Lloyd feels the same way.  We actually do make about the same right now, so that makes things even easier.

We split everything – rent, utilties, cable, water – right down the middle.  I think this is the right way to do things, but I know that some people split rent differently based on income, size of bedroom, etc.  Splitting expenses down the middle works the best for us.

Bonus:  I get some pretty nice credit card rewards, so all the utilties actually flow through my credit card.  However, we take that into account when we pay rent.  My actual rent check is always smaller than Lloyd’s since I’ve already paid for the utilties.  When you add each of our total expenses up though, they come out to the same amount per month.

We Eat A Lot

The first month or so that we lived together, we attempted to grocery shop seperately.  When you’re living together as a couple, this does not work.  We quickly realized we need to start splitting the costs of dinners and other household essentials.

We go to the grocery store every Sunday and have three orders: joint order, his order, and my order.  The person that foots the cost for the joint order switches from week to week.  But, we still keep a spreadsheet of how much each weekly joint order is so one person doesn’t end up paying more than the other in the end.

Lloyd and I like to eat pretty healthy, so weekly grocery shopping is a must for us.  We prepare breakfast, lunch, and almost all our weekly dinners at home (as much as it pains me since I’m not a fan of cooking).  We have the joint grocery shopping down to a science now, but it’s still pretty annoying!  But…that’s coming from a person that dislikes grocery shopping in general. 😉

Joint Budget

At this time, Lloyd and I do not share a joint budget.  There are many reasons for this, but mainly because our finances are not combined.  We plan to combine our finances when we’re married, but I do not think we should until then.

How do you share the finances with your significant other? 

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In other news, I particpated in two carnivals this week!  Please click on over and check out these carnivals!

**Carnival of Personal Finance hosted by Money Crashers

**Carnival of Money Stories hosted by PT Money

Let’s Take A Closer Look At The Male HDTV Obsession

30 Sep

Ladies, we’ve all seen it.  You stop by Best Buy with your guy to pick up the latest version of Quicken and before you know it, you look over and find him in a trance.  His eyes are glazed over and he’s gazing at something across the store.  There’s a faint hint of a smile on his face and just the tiniest bit of drool making its way down his bottom lip.

“Lloyd!  Hello?  Anybody in there?” I say loudly.  Nothing.

He doesn’t hear me.  As if pulled by some magnetic force he seems to glide effortlessly to another section of the store.

That’s when I see it.

He’s fixated upon the bevy of LCDs and plasmas plastered up on the back wall.  They seem to be shouting colorful, crisp, sweet-nothings to Lloyd.  Do they speak in some sort of secret dialogue to males that females can’t understand?

Truth be told, he may be close to perfect, but Lloyd does really have an innate infatuation with HDTV flat screens – or any flat screen for that matter (we have two very large old-school tube TVs in our apartment).  Every time he lays his eyes on those flat screens, he becomes more delirious than every girl in the world was the day that the Sex & The City movie premiered.

I, on the other hand, watched TV on this 13-inch gem for a good 20 years and was more than confused when my parents bought me a new (tube) TV for Christmas a couple years ago:

P9300117

You served me well, RCA.

In my female mind, it displays any show you could ever dream of watching just as well as those fancy 40 inch LCD screens up on the wall at Best Buy.

If it were up to me, we’d watch TV on our perfectly functional tube TVs until they day they stopped powering on.  To me, they work just fine.  To a guy though, this tube TV we have in our apartment is pure blasphemy.

Further proof of the male HDTV obsession?  Just check out the comment that Lloyd left on my post back in June titled “Do you have HGTV Envy?“.

lloyd-comment

The good news is that Lloyd has an abnormal amount of self-control (he must if we don’t already have a 50-incher on our living room wall) and we’ve made a little bit of a compromise as far as his dream television goes.  We’ve decided that what’s much more important now is to save for a house in the future and once we’ve bought said house, we each get to splurge on a big item for all of our hard work and dedication to saving.

What will our splurges be you ask?  If you haven’t guessed his, it will be a HDTV flat screen (the exact size has yet to be determined).  For me, it will be the biggest, firmest, most extravagant KING BED I can find.

What would your splurges be?