Dad earning $200K a year asks stay-at-home mom to limit excess spending to $600 per week, she refuses to do so: 'Once the $600 is spent, she will just reach for another credit card'

It doesn't matter how much money you bring home: it's essential to keep a budget. I'm not one of those people who writes out exactly how much I'm going to spend on every expense, though that's probably the most optimal way to budget. I subtract savings, investments, rent, and utilities from my monthly income, then divide the remaining amount by the number of days in a month. This gives me a daily spending limit. This system isn't perfect, as I often spend more on food than I should, but it works for me for now. It's much better than what I was doing before, which was barely saving anything and just making sure I didn't go below a certain number on my checking account. 

The easiest way for me to go off budget is to overspend on my credit card. When you're only using a debit card, you can't go over a certain amount without either depleting money from your savings or overdrawing your account. Credit cards allow you to not pay cash for your purchases for months or even years at a time, depending on how responsible or irresponsible you are with them.

Author image for Emmy Pratt Emmy Pratt
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