Money Money Money Money!

I've been struggling with how to set boundaries around finances for years. My partner is always wanting something, and I'm always feeling like I have to guard the gates. Fear of economic insecurity has clearly not left me and I have huge anxiety around having what I need in my old age. My tendency is to NOT buy a soda because I'd rather save the money. My partner, meanwhile, would buy starbucks 3 times a day, so my denying myself is not helping me reach a place of financial security. She's constantly wanting something and I'm constantly in the parent role. It's not healthy for either of us.

I was provided with a substantially higher level of education than she was, so I have the ability to make a substantially higher income. She's not very intrinsically motivated to make money, and why should she be. There's been no response cost if she chooses to take a day off of work without pay because she's used up all her time, or if she doesn't seek employment at all, other than my nagging. Again, not healthy for either of us.

I've really struggled with the ideaa of separating finances. First of all, it's scary to see it as a way of moving towards separation, which is NOT what I want. Secondly, I couldn't for the life of me figure out how to do it fairly.

All of a sudden,last week, a solution came to me. I would LOVE feedback before we implement it. We can leave our savings exactly as they are, as ours. Since neither of us is looking to break up, there's no reason to mess with that. We can also keep our joint checking account for bills and shared expenses. From here on out, my idea is that we each contribute to the joint accounts proportionally, based on our income of the time. We also each open individual accounts, also with proportional income. I can save to my heart's content with that account, or plan big trips, which is what I'd love to do. She can do Starbucks every day or buy herself a pony or fulfill whatever whim she has at any moment, IF she has the money to pay for it. I can stop being the parent and deciding what she can and cannot buy. She can make her own choices about working and spending without having to get approval from me.

I'm really loving this plan. I think it's generous, since I'm paying about 3/4 of expenses, but reasonable. She's not too excited. She keeps saying that she's going to be so poor.

I'd love to hear experience, strength and hope on finances. Any practical suggestions about how to make the plan work would be most appreciated.

Fired! Redux

Interesting times. This spring I was terminated and then unfired. I'd just gotten my legs back under me again. We even bought an expensive new (to us) vehicle on Tuesday. Then yesterday, my partner was fired. Not laid off. Actually fired.

It seems that while she had a part, it really was a series of unfortunate circumstances that led to her termination. Even her boss appeared to be sorry that she had no other option. My partner has grown a lot in this position and seems to have learned what she needed to learn there. It really was time for her to move on, and now that will have to happen. I'm really proud of how she handled herself yesterday. And I'm proud of how we handled it together. I called a program friend before talking to my partner, and she gave me my talking orders- I could only say things that were "loving, necessary, and true." I think I did that. And I'm amazed at how we got through what could have been an even tougher day together.

I'm also really scared. It's not the best time to try to be searching for employment, especially with a recent firing. And there's the matter of the expensive new-ish car we just bought. Fear of economic insecurity has clearly not left me. But, I guess God has some new lessons in store for both of us.