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Creating and selling handmade projects from your home can be a fun and relaxing way for stay at home and earn extra money.
It’s not that my marriage has ever really been in trouble, but after a few too many petty arguments over money, my husband and I agreed that something had to change with the way we handled our money. Part of the problem my husband and I had was that I serve as the day-to-day money manager for our family. His spending was never anything huge, but after a while even those $5 here and $10 there purchases add up to be a lot.
Finally after our zillionth nitpick from me about these small purchases, my husband and I found the perfect solution, one that would allow me to keep our budget on track nearly down to the penny and also allowed him some freedom to spend money on little impulse purchases now and then.
Each month when my husband and I plan out our monthly budget we make sure there is a line for each of us to have an equal amount of money to spend on whatever we choose. My husband generally spends his personal fund money on nice things like a little bottle of bourbon after a hard week or surprising me with chocolate covered strawberries when he knows I’ve been extra stressed.
My personal fund money is usually used for pampering myself with a pedicure or order take-out food for our family so I can avoid cooking.
At the end of the month we get to keep whatever money is leftover in our own personal funds. This plan has led my husband and I to be happier with each other day in and day out in our marriage.
Having personal funds in our monthly budget has also made us more conscious about how we spend our fun money. Ultimately, implementing personal funds into our monthly budget has been a marriage and sanity saver for my husband and I, and I hope it will help you too.
Catherine Alford is a full time blogger at Budget Blonde and the creator of the course Get Paid to Write for Blogs.


Filed Under: 21 Days to a Better Budget, Budgeting, Common Mistakes, Dave Ramsey, Family, Featured, Finances, Where to Start I love comments from y'all, so please feel free to chime in below. My husband and I have a similar set up – our individual checking accounts serve as our personal funds. They’ve been incredible helpful as we get to have cash to spend as we want while still working towards our goals. I really love this idea – currently my husband and I have separate checking accounts but have considered merging them.
In addition, it also could be a profitable income source for any crafter who knows how to sell own products. It’s not that he likes to spend everything we earn and then some, but he definitely enjoys spending money on the finer things in life now and then whereas you can find me digging in a Marshall’s clearance bin for the latest and greatest deals.
I know how much money we have coming in and going out at any point in time while my husband spends every waking moment studying since he is a 4th year medical school student about to apply to residency. I hate to nitpick but I’d ask him about his 5th Starbucks purchase and he’d feel guilty but then he really couldn’t study at home with one year old twin toddlers running all over the place.
We each get the flexibility we crave and neither one of us has the right to say anything to the other about how we spend our personal fund money. It makes us really consider things before we purchase them because once our personal fund money is used up we don’t get any more until the next month. Not only do we not nit-pick at each other’s spending habits anymore, it’s also common for each of us to choose to spend some of our personal fund money on things we can both enjoy together, which makes it feel more like a gift. We just starting working with a budget, and this was one of the first non-essential categories we added!
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Everyone has something they enjoy spending money on, and often it might be a problem for the other one.
I underspent like crazy last month somehow and am currently contemplating buying an expensive pair of shoes and I CAN without having to justify to anyone. Feel free to use one or two photos provided that a link back to my original post is included.
The main thing is to incorporate your talents and hobbies into something you love creating. Neither one of us care about the others spending habit because we each have our own personal cash. Please do not remove any watermarks, crop, or edit any of my images without first obtaining written permission from me. You might want to experiment with a several of crafts before you choose the right one for you. It’s also an interesting personality lesson to look at the types of things we each spend our personal money on! Please do not replicate or copy any content from The Budget Mama without written permission from me.



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