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How to deal with different values, needs, and wants in marriage?

My husband and I are very different. I did not see that when we got together because everyone said "opposites attract."
I was 20 when we got married and did not have a clue this would cause problems later on.
In this marriage, he is the one who loves to shop online. He orders anything that is on sale even thought he may never use it. This drives me crazy. When things get worse and I start to complain, he finds some jewelry on sale for me. I so don't want it.
I do like to spend money too, but I think twice before I do so. Our biggest problem lately was his fishing boat idea. I don't know how to compromise on this one. I don't like fishing, he loves fishing. When he talks about boat, all I see are payments, extra gas spending, maintenance, etc. I don't see only the boat.
Another thing he mentioned today is a garage. He wants to add it to our house. He said we can get money from bank to do it. I told him that I don't want to live on payments all the time, if possible. We will finally pay off our car and I wanted to enjoy our life without extra payment for a while and save some money. We still have to pay our mortgage on house for almost 28 years which is half of my paycheck and I recently started my college.
If we had that money, I don't care, let's do it because it is good idea. But we don't. And he also wants kids soon. I feel so anxious to think about another investment. My husband told me that we can cut on eating out and trips. The thing about it is, when I will be old, I will rather enjoy memories of places I visited and experienced, than talking about a garage we build. I don't know how to compromise. I really want to, I just don't see how. Any ideas?

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