If you are a saver in a relationship with a spender how do you curb a spender? Do you just budget all the necessary expenses and savings and allow the spender to use the rest? Do you ask for guidelines that they are allowed to spend $X per month or pay period?
When asked by the old roommate, about merging finances as an older couple, she mentioned her S.O was a spender. She has always been a saver. So so doubted that if they married, she would be able to curb his spending habits.
So the question arose how do you manage the situation? The easiest answer is marry/cohabitate with someone who has common financial habits. But that's easier said than done. I know I have it relatively easy because I'm married to a saver, while I'm considered in the relationship the spender. Which seems quite a stretch when compared I would say against the average. But to curb my own spending, is I typically ask myself "Do I really need it?" And I put down an item and promise to come back another day and get it if I really do want it.
So what creative methods have you found to curb your spendy partner's habit?