Hello, Wine Ebers, my name is Jesse Meekam, this is podcast number 165 for you need a budget where we teach you four rules to help you stop living paycheck to paycheck, get out of debt and save more money.

This is part six of a seven part series on budgeting with a partner.

Today we will talk a little bit about division of roles.

It doesn't have to be where both spouses are completely and totally devoted to the nitty gritty of the

budget. The odds of that happening are like one in 250,000.

So what you want to do is just recognize each other's strengths

and call it good. You'll find divisions along several different lines of thinking.

One, you will find divisions around the categories. You will see that one person tends to kind of own one

category more than another. For instance Julie owns the grocery category, she owns the clothing category because I don't even

know how old my kids are, let alone what clothes they need. She owns the vacation category

in the sense that she tells me we need more in it. I'm just

kidding Julie but I know you'll never hear this. She owns the interior house category that has to do with improvements she wants to make

occasionally a repair invades the category she doesn't like that but that's part of

it I own the exterior, I own saving for the car, I own the, let's see, well I own my own fun category and she owns hers that's a lot of fun. I own the

fixed bills category where I lump all of our fixed bills for the year altogether

and break out the monthly amount that needs to be

contributed to make sure we have plenty of cash for every single one of them

whenever they land so life insurance property taxes land there

car insurance premium, just fixed bills, like nothing really exciting,

but it's all big, one big lumpy category because I found no value in breaking it out.

That's mine. I own that one.

To a degree I own the vacation category because I do the math to figure out how much we need to set aside to make sure we can do the things we want to do.

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