[Sylvanfan]

Well thanks for the feedback.

I've read all the books suggested and the like. I really used to be exceptionally good with money. I do have a few safety triggers built into my system that invovle an accelerated mortgage repayment, and automatic deductions from my paycheques to registered accounts. So with those we do have some savings, but it's all money I can't touch till I'm retired, or will free me of obligated mortgage payments sooner. But my fiancee is on that exact end of the spectrum, where she has always been bad with it. Certainly we both have been raised very differently when it comes to the subject of money. The one thing we do fight about as a couple is money, and perhaps counselling is required. Of course that also costs a whole schwack of money!!!!

How SpecialK described his first couple of months is what we're experiencing. Having sent her to school and than having to move and not being able to get a company to pay the relocation expenses certainly cost me a pretty penny. Now I have managed to pay off most of my debts and am really close to having it all cleared off, and it's all on an unsecured LOC thats at prime +.5% that I got back in the old days when I was a good money manger. But as I mentioned earlier recently theres been a lot of episodes where $200 or $300 gets spend on unneccessary things and it's pushed back the payments that I wanted to make on the LOC. I've tried to sit down with her, and explain this and show it to her, but it just hasn't worked. It's like if you live with an alchoholic but kept an ample supply of booze around the place for yourself. Eventually the addict will likely give into the temptation.

What I'm trying to do is take away access to the extra money without having her have a bank account where she constantly racks up $20 NSF charges or a bunch of withdrawal fees where she's always trying to sneak $20 out of it. If I let her have a bankcard attached to an account thats exactly what she'll do, and to make matters worse the bank would offer her some type of overdraft and she'll end up abusing it. With this system when she runs out of cash and no longer has access to more of it, it might make her stop and contemplate things and ask herself some basic questions.