Inspired by one of my favourite posts from Newlywed Trek, I decided to share five things that I've learned from our first two years of marriage.
1. Sharing money is harder than I thought it was going to be.
I think that this one was really shocking to me. Before we got married, Hubby and I were sharing all of the household expenses. However, any extra money from our paycheques wasn't going towards us or our joint account, it stayed in our individual bank accounts. I could shop as much as I wanted and, as long as I paid half of our household bills, I wasn't obligated to save any of the money. Sure, I had savings through my Canada Savings Bonds and RRSPs, but nothing other than that. I SHOPPED. A lot. Then about 8 months ago, Hubby and I decided to combine all of our income and expenses into one account. This means, now instead of all having all my extra income to spend, I get an allowance each payday. Once that's gone, I have no more spending money. Trust me, it took a looong time to get used to this. However, I'm now proud to say that it's working and I'm happy. I hardly ever shop anymore, and when I do I only buy items that are reasonably priced or that are long-terms investments. In the end, I'm happy with the changes that we made because they've made us more financially stable. It also means that we get to go to Germany next year.