I wish DH was more involved in the finances with me.

We handle the main decision making together but the day-to-day stuff is all me.

Anyhow, right now we have 15% of his pay going towards retirement, putting $510 extra/mo on my credit card and we have a $1000 EF along with the $6298 I received from the life insurance proceeds.

This morning I approach him and say:

"Given our budget, we are just breaking even given everything that we are doing. However, Christmas is coming up & we haven't finished shopping, our 10th anniversary (a milestone we'd like to celebrate), and I am switching my insurance so I need to anticipate fronting my $150/yr deductible. I'm not sure how to account for this. Should I scale back your retirement contributions, scale back the CC payment, or just not do that stuff?" (Option 3 not really being a feasible option because of the healthcare alone)

And DH says "Well, it makes no sense to go into the EF for that. So we either have to cut back on our spending or find somewhere else for the money."

"OK, I can't cut back on our spending cause all of the stuff is needed. So do you want me to scale back the CC payments for Nov & Dec or scale back your retirement?"

He shrugs, "I don't care."

Ugh! Why not? (I did say that as well)

So I'm not sure which is best. Scaling back on the CC payment is probably best... but yeah, sometimes I wish DH had more of an opinion about the finances.

The kids have most of the Xmas stuff taken care of. We just need to get them a few more things. I'd like to get family pictures done because we don't have one AT ALL with the whole family in them.

DH and I would like to at least go out to dinner for our anniversary. Originally we wanted to do something big but thats just not feasible. I even wanted a $1750 anniversary band but I've thrown that hope out the window long ago in place of a new dream of being more conservative & out of debt.

Last time we got family pictures done was in 2005.

Then of course I need to set aside money for my doctor's appointment in December.