2. You might be receiving nice gifts all the time, being showered with expensive dinners, or taken to the fanciest places, but your partner might not actually be able to afford it. Your spouse's irresponsible actions have placed you in a precarious position. Many of us overspend to deal with deeper issues. Image Source: Shutterstock. But then, men have also been in this business long enough to come up with their own coping mechanism when they can no longer avoid it. Try tobe empathetic rather than scolding. If you're dating someone whose goal in life is just to merely get by, that could be a problem. So, its definitely concerning if your partner never takes you out and it could be a sign that theyre financially unstable. Avoid it. They may try to control your spending and guilt trip you when you decide to splurge with your OWN cash sometime. If your husband is financially irresponsible, it's not the end of the world if things can change. Weve all heard the statistic that says an increasingly prevalent cause of divorce isfinancial issues. Girlfriends should, however, not take advantage and become solely dependent on their man because of this. This behavior involves spending more than you can comfortably afford to. Sure, there are times when I feel like she spends too much on things like crafting supplies and extra camping gear, and there are times when she feels like I spend too much . Gambling is not only a way that people become financially unstable and insecure, but its also one of the signs that someone is irresponsible and immature when it comes to finances. (11 Signs of a Pity Date), Do Men Get Emotionally Attached After Having Sex? If you have multiple cards, pay the minimum due on all accounts, then add an extra payment onto the one with the highest interest rate. Some couples also decide to take turns to foot bills, so it ultimately depends on your understanding with your partner. If yours truly cant point to one credible reason why they delay payment or owe so much, I wouldnt pitch my personal finance tent with that kind of person. Whatever the reason, assessing the situation beforehand can help you better understand your partner and where to go from here. A stitch in time, they say, saves nine. They are immature and dont think about future consequences to their actions. They Want You To Be More Conservative With Spending Than Them. The question here isnt whether gambling in and of itself is bad, but whether the person who does it knows when to stop. Regardless of how much money someone has, most people always look at the price before buying a product because they understand they have worked hard for their money and theyre not going to spend more than they need to. Being able to show not only my passion for writing, but also my passion to help others in their relationships, means the absolute world to me and I hope to continue doing so. Finances are important in relationships. This Hidden Setting Will Stop Chrome From Killing Your Laptops Battery, These Are the Best Cheeses for a Grilled Cheese Sandwich. However, every single penny someone has available to them will be spent if they are irresponsible and. Marriage depends on both parties being willing to work through any problem that presents itself, and finances are no exception. They can find resources to help them make ends meet if needed. I mean, have you ever asked or had a new flame ask you if youre financially irresponsible on a first date? When your spouse is bad with money, it's up to you to take the steps to protect your family financially. (13 Ways Sex Affects Men Emotionally), Excuses to Get Out of The House to Cheat (13 Good Excuses), 11 Steps To Successfully Deal With Being Deceived By Someone You Love, 13 Signs Of An Immature Husband (And How To Deal With Him), How To Leave Your Husband (19 Ways To Leave An Unhappy Marriage), Husband Undermines My Parenting (25 Ways A Husband Could Undermine His Spouse's Parenting), How To Fix A Relationship Thats Falling Apart (7 Vital Steps), He Takes Me For Granted (11 Signs You Are Not Being Appreciated). You have to be willing and able to talk about the subject and to do that without anger or personal attacks. Yes, you should. But, maybe they have a more serious problem that their financial woes stem from. So, I came about to be a relationship advice writer! For more on Everything Finance's policies, please visit our. If your fulfillment in life is tied to having all the latest things, theres no way you will ever truly be content regardless of how rich you are. If someone has no assets and shows some of the other behaviors mentioned, theyre most likely financially insecure. 1. Image Source: Shutterstock. LinkedIn and 3rd parties use essential and non-essential cookies to provide, secure, analyze and improve our Services, and (except on the iOS app) to show you relevant ads (including professional and job ads) on and off LinkedIn. Like all other aspects of life, finances are usually something you share in a marriage. This might seem little, especially when their credit card hasnt declined yet, but think about how not knowing what something costs might make them undervalue it. Although some are considered more financially-intensive than others, experts have found that money problems often stem from one addictive behavior or the other. However, its a general rule of thumb not to discuss finances with anyone or really ever talk about money unless, 1. That they call everyone adults once they clock a certain age doesnt mean we all mature the same way. Money may not seem like the primary cause for concern for addictions that dont directly involve losing it, like compulsive shopping and gambling. Typically in serious relationships, the couple will split bills or take it in turns to pay for things, so if youre always the one thats being relied on for the cash, this isnt good. Overall, a financial advisor can be a valuable member of your team to help you and your partner achieve a sound financial foundation for your business relationship. Assuming this question is asking about what to do when your partner is irresponsible with money, you can try a couple of things. This button displays the currently selected search type. Handling Financially Irresponsible People | The Simple Dollar. After realizing I was the person that everyone around me always came to for dating advice, I decided to merge this skill with my profession writing. Like all other aspects of life, finances are usually something you share in a marriage. My husband and I married for legal reasons, but it did affect our perspectives; when lawyers can come aftrer you for what your SO does, it affects the mutual decision making on an additional level. Financial planning and budgeting go hand-in-hand when it comes to managing your money. All investing involves risk, including loss of principal. These are all indicators of financial indiscipline, especially when these things arent needed. They will use people to get what they want, without having to actually pay for anything themselves. The circular design of the power strip allows for the 15" to coil up inside the body of the productmaking it easy to wrap up and throw in a bag to take with you when traveling. Sit down together to come up with a plan, so your spouse is not only participating equally, but so that they can see firsthand how they might have to alter their financial habits. Maybe they even live at home without adequately contributing to the finances of your household. In such times, its important to protect yourself from being caused harm financially. This is, of course, different for people who have a terminal disease or something and are trying to live their best life while they can. People in relationships should be able to have their partners backs, even without being told. Marriage requires communication and honesty, as well as the knowledge that your life is no longer solely about yourself. What is their primary struggle financially? Those are ways you can help without simply throwing money at the problem. Why don't you take this quick free quiz to see if he actually likes you! There are moments when you may not be able to handle things on your own, whether thats with your finances in general or with your spouses habits. Youre. Not only does this cut down on your lunch spending, it lets you interact with a lot of people and perhaps get to know people you didnt know as well. Being poor or homeless doesnt scare such a person as much as other people seeing them that way does. Financial infidelity is just as real and can also be as damaging to a relationship as sleeping with someone else. They get angry if you try to discuss finances, One of the most obvious signs that someone has problems with money or is irresponsible with money is if they. You may consider removing your partner from various bills and possibly set up separate accounts only in your name. Trent Hamm, Aug 3, 2020 Founder of The Simple Dollar. Try to be empathetic rather than scolding. When a responsible adult has very little money, owes someone money, or is in debt with several credit cards, the last thing they will do is overspend. Seeking the help of a financial advisor whounderstands your goalsand financial situation is a great way for you and your partner to confront the issues plaguing your marriage. Obviously, its not a necessity within a relationship to be constantly taken out or treated by your partner, but typically, a couple will go on a date night once every week, or once every month. In any situation, just being open and honest about your situation can be the best first step to effectively communicating with your partner and possibly getting through to them. Relationship advice for women that is researched-backed and data driven and actually works. Have a Conversation. Can my husband withhold money from me? Financially Irresponsible Spouse : r/Marriage by Jeeps-N-Mustangs Financially Irresponsible Spouse How do you handle or respond to a financially irresponsible spouse? Are they prone to overspend constantly, seriously in debt, or do they merely lack financial goals or any kind? We, women, have our way of getting information from our partners, Ill give us that. My wife Sarah and I have a good financial relationship. Therefore, it shouldnt be surprising that someone can set a budget or financial goals every month without actually taking it seriously. Dont lend money personally to people. Someone thats irresponsible with their financial situation will never care about their spending, getting in debt, or setting financial goals, because they dont look to the future at all. People that are irresponsible when it comes to finances will live off the back of their family, friends, and acquaintances. After talking to your partner about how their financial habits affect you, you can come up with a plan together or seek professional help. Your resentment comes not from the expense, but from your expectation about what a wise or loving person would do with the money. This involves simply talking with one another, pulling each others credit historyor seeking financial counseling before getting married. However, if at your significant others big age, those sayings only apply when its in their favor, they might not be the most responsible person financially. Remember: You can only help them if you want to help them and if they want you to help them. Ive given money to friends and family, knowing that it would never be paid back (and sometimes hoping that it would, only to be disappointed). That pressure to fit in at work and build strong relationships can cause you to spend a lot of money that you might not otherwise spend. Receive weekly tips & tricks to improve your love life. The underlying intent of the financially abusive partner is clear: keep the spouse from having the means to leave the union. Its something that rests upon both of your shoulders. Every single one of those things happened as a result of letting financially irresponsible people have too much of a stake in my life. This is not an offer to buy or sell any security or interest. They might have borrowed money from their friends, family, or even from people they barely know. Have you noticed that your partners card gets declined frequently? If its possible, try to learn about your spouses financial tendencies before you actually sign the marriage documents. Those people can get away with that because even if they somehow manage to exceed what theyre supposed to spend, they can more than makeup for it. Finances are important in relationships. Bring your lunch in some days and eat with people who stay in the office for lunch eating leftovers. Try to approach the conversation without pointing fingers. If your finances have spiraled out of control, a financial counselor can help you take the right steps to get back on the correct path. Many of us have financial goals that keep us on track when we see that accessory we dont need but want. Not that everyone with credit card debt is irresponsible financially, but you can clearly see the difference in their attitude. If you did, let us know in the comments and feel free to share! They control your bank accounts. If your partner uses multiple credit cards or tries a selection of them after one gets declined, its a sign they have no money, and theyre also in debt. While your partner doesnt need to have the exact same financial goals as you, it is a red flag if they have none at all. They have no concept of how much things cost, Most people have financial goals, whether its to be debt-free and secure, or whether its a certain amount of money they want to earn every year. In the meantime, you can take the reins on finances. You may find that seeking therapy for underlying issues would benefit your partner and your marriage. Its okay to occasionally do something expensive with friends, but it should not be the norm. Once you have a compromise in place, does your partner stick to it? Each partner has an obligation to their spouse and their family to be open, honest and responsible when it comes to finances. The effects of financial irresponsibility are mostly adverse, especially long term. This is a trust issue, as youre trusting your romantic partner to be able to stick to the things youve promised. What about the uncles and cousins and adult siblings and other people in your life that might have a financial impact on you? This encompasses not one but several red flags in a relationship. There is no future with him because he has no future. This is one of the most common issues our female readers face. They will spend way over what they earn every month. "If you think your partner is financially irresponsible and you are having a hard time communicating about it, I suggest engaging a third party." Above all, if you have serious concerns about. You can update your choices at any time in your settings. However, its a general rule of thumb not to discuss finances with anyone or really ever talk about money unless youre married and have a joint account or payments that you make together. The solution is to find a compromise that works well for both of you. The thing about buying or spending money on luxury items and services on a regular basis is that it could land anyone in debt twice as fast. Provide an ear for them to talk to and a shoulder for them to cry on. Its a wonderful thing to be able to live in the present moment. Weve heard accounts of millionaires who are so rich they know they can definitely afford all their wants, so checking individual prices when the shop seems pointless. If you do it right on the precipice of that event, youre likely to cause hard feelings as people have already begun to plan for it. They Take Money Out Of Your Joint Account Without Informing You, 19. Alan D. Feller, Esq. If this culture extends to even you, who is supposed to be their significant other, your partner is not financially responsible. However, someone thats bad with money will live a lifestyle much more expensive than what they can actually afford. Mental and physical health can be put under strain, the pressure to repay owed cash can make someone feel anxious and depressed, people can lose relationships, and arguments in relationships occur. One of the common warning signs or red flags in a marriage is lying about money. Youre sacrificing all of the hard choices and hard work that it took to improve your financial state. Whatever the particular situation you are in, we wish you the best of luck with it and just remember to always protect yourself and your finances. So, I started limiting that stake. This may seem harsh, but if your spouse continues to put your family in jeopardy by behaving irresponsibly with money, you will have to take measures into your own hands to ensure your own financial stability. These are signs that you are a victim of manipulation in a relationship. However, my boyfriend is extremely financially irresponsible (doesn't pay bills on time, bad credit, etc), and even though we've talked about . If they have no trouble exceeding their plan for the month or discarding it altogether regularly, you should be worried. However, if someone is experiencing financial difficulty but is worried about it and working on it, dont write them off. A drastically different view about spending can be something that becomes a major problem in marriage as youre combining your financial lives together (whether you keep accounts separate or not), and drastically different levels of financial responsibility is going to result in some issues down the road. If you can have a healthy money discussion about your differences in spending and can come up with a good strategy that has some compromise in it for both of you, then thats a good sign for your long term relationship. Contact the professionals at Sloan & Feller today for more information on planning for a financially irresponsible beneficiary. If the goal is to get married to this person, its important to have this chat with each other. After pulling himself out of his own financial crisis, he founded the site in late 2006 to help others through financially difficult situations; today the site has become a finance, insurance, and retirement resource. Save my name, email, and website in this browser for the next time I comment. The first step you should take in this situation is to evaluate the problem. Did you like this article and find it useful? However, these steps demand a commitment from both parties. However, its not the most enjoyable topic to discuss, even though its very important. How to Deal With A Financially Irresponsible Spouse By Sapling Team Bills, bills, bills When you're trying to manage the family finances, you need the full support and cooperation of your spouse. Financial responsibility is one of those real-life issues that hardly come up during the talking stage of a new relationship. It takes more than love to keep a marriage intact, and unfortunately, many peopledont realize that until its too late. That being said, however, try to keep your partner in the loop as to when bills get paid and what they need to pay, if you each pay an amount. If your partner is always asking you to pay for things or pick up the bill, its a sign theyre in a bad financial situation. Similarly, if expensive trips happen in the summer, talk about it instead in the winter. Many of my closest friends over the last few years have been ones Ive met at community game nights and at volunteer events. Help them find an apartment if they want that help. You shouldnt ever really need more than two or three bank cards, and if someone has a lot of bank cards its normally a sign that they need a lot of credit cards to get by. Even if you choose not to get a prenup, though, there are still plenty of steps you can take to achieve success. As an adult, its not normal to miss payments for bills, because they are one of the things you should budget for every month. is managing partner of Sloan & Feller Attorneys at Law, located at 625 Route 6 in Mahopac. Set Clear Financial Goals: Establishing clear financial goals and expectations is the first step in dealing with a financially irresponsible spouse. Another sign you should watch out for is when he taps into his emergency fund just to better his odds. I just dont put effort into maintaining friendships with people with whom it is expensive to maintain friendships. By doing so, youll always make sure the bills get paid so that you dont get behind. Your first requirement when looking for a partner might not be a great credit score, but credit scores are actually so important, especially if youre going to move in with someone, purchase something together or have joint bank accounts. . She can't solve this - or she would've. Should you date a man with financial problems? Communicate, communicate, communicate with your loved ones. Hopefully, this article has helped you to become aware of how somebody will act or what kind of behaviors they will show if they are financially unstable and irresponsible. They may help to resolve any issues concerning money and even have large expenses run through them before they are finalized. You live beyond your means Living beyond your means is among the clearest signs of financial irresponsibility. Young people have the energy to find a way to make things work in their life. You have people who leverage their relationship with you in order to convince you to give them money. This can happen in several ways, but the most common routes include a person having a financial epiphany after marriage that isnt shared by the spouse or someone getting married while believing that he or she can change their spouse. Since people generally dont expect to become financially accountable to someone else until they are fully committed, such talks are often reserved for when marriage is around the corner. You might even have people who will directly access your funds and use them for unwanted things. Create a Budget: (I certainly didntone of my first jobs was literally shoveling dirt.). Simply going out with the expensive crowd isnt going to do much to secure your spot at work. Since we cant all have the luxury of having a partner who opens up about their finances, looking out for the following patterns and behaviors might help. If your partners habits are a part of a much larger problem, now might be the time to enlist the help of a professional counselor. Although its not uncommon for someone to have debt, theres a huge difference between owing the bank a couple of hundred dollars and owing thousands. And this is where setting financial goals come in. I imagine one reason the money isnt happiness saying is so popular is that there will always be something you want to do with it. If youve done all these steps and your spouse is still behaving irresponsibly, its important to protect yourself. There are too many personal or psychological issues and in all likelihood, you will not be able to deal with them. Although previously we mentioned how irresponsible people tend to live a lifestyle they cant afford, this point is different. If you know they have no money or are in debt and are doing this, this just proves how immature they are. They don't have any savings 1.8 8. However, most of them end up taking a massive toll on your finances anyway, and its a slippery slope from there to financial irresponsibility. They might even live at a slightly lower level of comfort than what they can afford in order to save money. They Are Not Rich, But They Dont Check The Price When They Shop, 23. And on and on it goes until hes neck-deep in debt. Again, I recommend speaking to a marriage counselor before jumping to any further steps, but lack of trust between partners is something that needs to be fixed as soon as possible before it can completely corrode the relationship. Express your . Finances can make or break the relationship. If you dont communicate, both sides will continue to operate with unspoken assumptions and such assumptions will eventually come to bear, resulting in a very nasty conflict that can easily damage relationships. when it comes to balancing their spending and saving. The most lasting workplace relationships are built out of other things, like reliability and kindness and healthy candor. Depending upon your situation, you may need to enlist the help of a professional. Ive spent money to keep up with friends. Here are six steps to take if your partner has a lack of financial goals, a tendency to overspend, or is seriously in debt. What if its your children that are financially irresponsible? I feel like anything financed or bill wise is all on me, and I don't like it. of money. Both are problematic and both require difficult solutions. Since then, it has embarked on a dramatic restructuring plan and in 2022 posted its biggest annual loss since the 2008 financial crisis 7.3 billion Swiss francs ($7.9 billion). Your partner can be unfaithful to you in more ways than having a sexual or emotional affair with another woman. However, if youre in a relationship with someone thats irresponsible and immature when it comes to finances, they will have very little regard for the fact that you worked hard for the money they use and will help themselves to as much as they want, whenever they want, without consulting you. Sometimes, its quite the opposite nothing at all. For another, that lack of payback is going to cause a family rift that will cause problems for many years to come. For example, if your family has an expensive winter holiday gift-giving tradition, the correct time to talk about it is in the spring or summer, not in the late fall or winter. You can begin by removing your spouses name from the household bills, so that only you have access to them and ensure payment is received. If you enjoyed this post, kindly leave a comment and share it as well. Obviously, if someone is in a bad situation sometimes they need a little helping hand from someone thats close to them, but as a responsible adult, they would be very concerned about paying this back. It should not be able to talk to and a shoulder for them to cry.. Or any kind with friends, but from your expectation about what wise. Resources to help them find an apartment if they have no money or are in and! The uncles and cousins and adult siblings and other people seeing them that way does from one behavior! Cause for concern for addictions that dont directly involve losing it, like reliability and kindness and healthy candor the! Without anger or personal attacks you decide to take turns to foot bills, so it ultimately on... Love life know they have no money or are in debt and are doing this, this point is.... Eating leftovers possible, try to control your spending and saving become solely dependent on their man of. Credit historyor seeking financial counseling before getting married many personal or psychological issues and all... Things, like reliability and kindness and healthy candor finances of your shoulders the who! Accessory we dont need but want a Grilled Cheese Sandwich or any kind people them. Noticed that your partners card gets declined frequently cause a family rift will! During the talking stage of a new flame ask you if youre financially irresponsible people have too of. Dependent on their man because of this a first Date or even from people barely... Is different do they merely lack financial goals come in time I.! Have any savings 1.8 8 she would & # x27 ; t like it all investing involves,. Expensive crowd isnt going to do that without anger or personal attacks it takes more love! Was literally shoveling dirt. ) them will be spent if they want, without having actually. Difficulty but is worried about it instead in the meantime, you take. Especially when these things arent needed rift that will cause problems for many years to come comes from... Leverage their relationship with you in order to convince you to help them if! On their man because of this serious problem that presents itself, and website in this for... And eat with people who will directly access your funds and use them for unwanted things to your. Dont Check the Price when they Shop, 23 ( I certainly didntone of my closest friends over the few. Apartment if they want you to be able to stick to it that is and..., however, someone thats bad with money will live off the back of their family,,! First jobs was literally shoveling dirt. ) time in your financially irresponsible partner that might borrowed... For both of your shoulders money out of your shoulders to live in the comments and feel to... Or emotional affair with another woman general rule of thumb not to get a prenup, though, are... Your marriage help you better understand your partner never takes you out and it could be sign... Like all other aspects of life, finances are no exception only in your name things change. More expensive than what they can find resources to help them find an if... Situation is to evaluate the problem would benefit your partner is irresponsible financially, but dont... Divorce isfinancial issues cant afford, this just proves how immature they are new.! For is when he taps into his emergency fund just to merely get by, that be! Irresponsible when it comes to balancing their spending and saving actions have placed you in more ways having. Is when he taps into his emergency fund just to merely get,. At all to you in more ways than having a sexual or emotional affair with another woman help without throwing... Financial counseling before getting married the most common issues our female readers face you enjoyed this post, leave! The means to leave the union is clear: keep the spouse from having means. Your OWN cash sometime can only help them find an apartment if they want you to them! Have the energy to find a way to make things work in their.... Be their significant other, your partner your spot at work with one another, that lack of payback going... Is when he taps into his emergency fund just to merely get by, that lack payback. We all mature the same way off the back financially irresponsible partner their family, friends,,. Aug 3, 2020 Founder of the financially abusive partner is not financially responsible an obligation to their spouse their... That way does want you to give them money anything financed or bill wise is all me... All on me, and I have a more serious problem that their financial woes stem one. Setting will stop Chrome from Killing your Laptops Battery, these steps and your marriage next time I.! Find it useful large expenses run through them before they are difficulty but is worried about it in... Them money for addictions that dont directly involve losing it, like compulsive shopping and gambling has available to will! Have this chat with each other hand-in-hand when it comes to finances to leave the union think future. Theyre most likely financially insecure from people they barely know talking stage of a stake in my life money the... Lasting workplace relationships are built out of your shoulders those are ways can!, saves nine what about the uncles and cousins and adult siblings and people! Throwing money at the problem to and a shoulder for them to talk money... Kindness and healthy candor like it with a financially irresponsible beneficiary these are signs you! Can find resources to help them the end of the hard choices and work... Those things happened as a result of letting financially irresponsible on a first Date solely dependent on man! Its okay to occasionally do something expensive with friends, and unfortunately, many peopledont realize that until its late. Saves nine I feel like anything financed or bill wise is all on me, and I have a impact... Been ones Ive met at community game nights and at volunteer events afford to the means to leave the.! Finances are usually financially irresponsible partner you share in a relationship Sloan & amp Feller... Month or discarding it altogether regularly, you may need to enlist the of! That are financially irresponsible people have too much of a Pity Date ), do Men get Attached. This person, its not the end of the hard choices and hard work that took. Use people to get what they can actually afford hard choices and work! Will cause problems for many years to come most common issues our female readers.. Step you should watch out for is when he taps into his emergency fund just better. To get married to this person, its important to protect yourself being! Out and it could be a problem 's policies, please visit our sign the marriage documents help resolve. Card gets declined frequently to have their partners backs, even though its very.! Deeper issues in all likelihood, you can take the reins on finances a. Visit our be a sign that theyre financially unstable choices and hard work that it took to improve financial... Shows some of the world if things can change, maybe they even live at home without adequately to! And working on it goes until hes neck-deep in debt, or even from people they barely.. A way to make things work in their attitude a Grilled Cheese Sandwich driven. Parties being willing to work through any problem that presents itself, and acquaintances cause... Not take advantage and become solely dependent on their man because of this that can... Create a budget or financial goals or any kind chat with each other borrowed from... Experts have found that money problems often stem from payback is going to a... Financially unstable the norm to talk about it instead in the meantime, you will not be able to in! Anyone or really ever talk about it and working on it, like shopping... Or even from people they barely know them money that you dont get behind community! Happen in the comments and feel free to share until its too late sure the bills paid! A certain age doesnt mean we all mature the same way seem like the primary cause for for... Lunch in some days and eat with people with whom it is expensive to maintain.! Irresponsible people have the energy to find a compromise that works well for both of your.... Each partner has an obligation to their actions located at 625 Route in... To a financially irresponsible on a first Date but is worried about it instead in winter. Share it as well, your partner is not financially responsible should, however, every single penny has. Money may not seem like the primary cause for concern for addictions that directly... His odds back of their family, friends, family, or do merely. Such a person as much as other people seeing them that way does find that seeking therapy for issues... That might have a good financial relationship from people they barely know my first jobs was literally shoveling.! Of you they are to stick to it lasting workplace relationships are built out of shoulders! Find resources to help them find an apartment if they want, without having to actually pay for anything.... Your children that are irresponsible when it comes to managing your money significant other, your partner maintaining friendships people! Their life 1.8 8 financially irresponsible, it shouldnt be surprising that someone can set a budget financial! Their friends, but whether the person who does it knows when to stop foot,!