Would this be wrong of me to do?

[brsndta04]

So my husband is very bad with money. We never put anything away for emergency or to save. He doesn't even want me to open a bank account.  We have talked about this because I feel it's not practical to not use a bank. I feel we spend money way faster if it is with us, and I loose things to often for me to want one of those cards we could load our money on. His only attempt at compromise was I could get a pre loadable card. Not really what I want as it doesn't solve my issues.  

Now when I say hubby is bad at finances I mean he wouldn't notice if probably up to 100$ was missing out of every check.  He just guesses!

Our lease is up and we have to move in 3 months.  We have no money saved to be able to do so.

I was thinking about taking a small amount out of his money which includes tips and paycheck to put in the bank. Not alot, I'm not trying to steal from him. It'll still be his money and if something were to come up where he needed money on would give it to him. I just mean to make a small savings? He makes like 350$ a paycheck,  I was thinking of taking 10$ and he makes about 50$ a day in tips working 4 days a week so another 200$ I would take another 10$. So I would take 20$ a paycheck cycle.  I will also be contributing money.

My question is, he works. He pays all our bills. And he has never let me down before. Right now I can't work as we are in the middle of a disability trial for an illness I'd rather not post about.  So while I do still contribute it's a lot less. I can cover maybe 100$ every 2 weeks at max with an online company I run.  And I would put half of that into the account also.


I guess what I'm asking is is this wrong? I don't want to upset him I just really believe he is wrong and it could cause issues for us and our baby in the future if not fixed.
Idk. Opinions?

[bella_kaylin]

He's her husband it's not "his money" it's their money. I do think that each person should have their own spending money our weekly is 40 each but it goes by our budget and that's about what we can afford....I talked to my husband as he is very irresponsible with money to his 40 is usually gone that same day he gets it lol...but we came to the agreement to put bk 10 dollars a week out of both of our checks for the baby by the time they are 16 if they are responsible and stuff we may buy them a car with the money keep in miND it won't be brand new or anything but we're still thinking on whatever want to do I Thot about waiting until hes are 18 and if he goes to college buying him a vehicle and we would have 2 yrs worth more money to buy it with but despite the controversy on what to do with it I did get him to agree to saving and realize it's a smart idea I would try just having a conversation with him about saving money for your baby and go by his answer if he says no then 10 dollars out of his check he probably won't even notice. I would do it anyways.  I don't think it's wrong bc your not using it for you its for the baby and your contributing to it to.:) hope this helps

[specialmom]

I'd do it.  Absolutely.  That's your protection and security.  You are very smart and wise and those that spend all they are vulnerable to having financial catastrophe that I wouldn't be willing to risk.  You are not stealing the money.  You are doing something for your family.  He is afraid to save for some reason and I don't know how anyone in this day and age could get away with not having a bank account.  I'm a landlord and we wouldn't accept a tenant who doesn't have a bank account.  So, I'd open the account.  Now, often you have to keep a minimum balance or there is a fee but it is worth it.  And you can get it going and tell him this is something really important to you.  You are talking about what, 40 dollars a month?  This should be acceptable to him. Put his name on it as well if you are worried he won't be happy.  My husband and I have a joint checking account, joint savings account and then each have our own accounts.  (we had them when we married and just kept them.  Mine has about 22 dollars in it, ha ha).  

I think you are being wise beyond your years to be thinking this way.  It is not stealing but setting up a family financial system that is SMART.  good luck

[brsndta04]

Well I would never steal from his wallet. As soon as he gets paid any money he puts it directly in my wallet which is why I thought it could be ok. Plus I do already give him the full amount I make every month too I don't keep a penny.

[fabulously_fabulous]

If he pays all the bills can't you put your $100 checks in the bank?  I would not be taking money out of his wallet workout his permission. That is dishonest and stealing even if you have good intentions. Why not talk about your plan with him?

[B1128]

I agree but don't agree. If all you are wanting to take out is twenty dollars each paycheck to put aside, tell him you would be comfortable if he have you this amount out of each check to go into savings. Tell him this will ease your mind and right now you do not feel comfortable with how things are going and this is all you want to make things more comforting. I would try as much as possible to talk with him about it, express yourself and your feelings and if it doesn't work then you have tried everything and have no other choice.

[traciv]

My husband hands me his paycheck and I give him an allowance. I almost always put $100 aside. He is not on our bank account because he is so irresponsible with money so I also while writing everything in our check register round up to the nearest dollar while subtracting a purchase sonic the total is 12.30 I write 13 down. It doesn't seem like much but adds up with every purchase. We don't make a ton of money but probably around $3600 a month and because I do that we live a pretty comfortable life. Our bills are paid on time, we have groceries in the fridge and gas in our car.

[BonitaMichelle]

Yes its wrong ! Just talk to him about it. Dont ever take a man's money if he doesn't know. He will never trust you again.

[brsndta04]

I'm thinking I'm definitely gonna do this

[boeck0425]

I put 10 a week aside for my daughters college. And it adds up quick. I personally dont see anything wrong with it. Saving is important. ..

[brsndta04]

That's what I was thinking.  

[MrsLozano_13]

I personally would do it, its not as if you are stealimg or spending it elsewhere. Your saving, and saving is always a good thing. You never know what can happen and if he horrible at managing $, then i would rather be safe than sorry. Plus a baby is coming, children are so expensive..

[brsndta04]

?