@alpacasloth Not that I'm trying to diminish your article! Solid article, great ideas but I just really love my dessert. I brought my lunch today but spent $2 on double choc. chip cookies. But I justified it by forgoing the morning latte that I really wanted (but didn't need).
"You’ll also never be just hungry enough to splurge on dessert, with either your calorie count or your wallet." LOL, okay. Maybe if you're... a robot. I don't eat dessert because I'm still hungry. I eat it because my brain wants sugar!
Also big YES to only shopping alone or with my mom.
I relate to this so much. Except I probably have at least 60% of my closet that I never wear. And some of it is junk that should go to Goodwill, but a lot of it is somewhat nice, I just never wear it. Which makes me feel extremely guilty. My new shopping problem is buying stuff on etsy/craigslist and thrift stores for my wedding. Glassware, tables, funky bottles, old suitcases, really old books... I know I can rent all this stuff (and I probably will rent some of it!) but I just LOVE the thrill of the hunt and getting a deal. Flea markets, garage sales, etc... that kind of shopping is my crack.
@steponitvelma @ThatJenn You guys both make good points. We will definitely have to work with a lawyer on all this stuff. California has a gift tax exclusion for transfers made between spouses but we would have to see how it would affect the mortgage if he just added me to the title. We agreed going into this that at some point when we are married it wouldn't be fair for me to just be paying rent and that I should get some ownership in the house. But figuring out how to do that (we can't refinance with both of us because my credit isn't as good and wouldn't get us a very good rate) has raised some legal issues.
@@fo Thanks for the advice. The mortgage is through a local credit union so there's a loan officer we can actually talk to.
@@fo Yeah, and that's essentially what we're trying to figure out. We both agree that it's not fair for me to just be paying rent. Is it fair for me to be added to the title but not be on the mortgage? I don't know. Stuff is complicated.
@spectacularisms Yeah, I've done some very basic research and if my fiance and I do decide to get one we will definitely go the "hire a real lawyer(s) and do it right" route. But I'm asking because I'm currently in a situation that you and other commenters discussed above... I live with my fiance in a house that he bought while we were already dating but in his own name. I didn't put anything toward the down payment but I am helping to pay the mortgage. The reason we didn't buy it together was I was unemployed for a few years and then working as a temp at the time and have a lower credit rating than he does, so I knew I wouldn't qualify for the loan. I guess a lot of people think that's naive. I knew the risks going in.
Hey Mike and Logan: this may be outside the Billfold's scope but if there are any contributors/regular readers who have gone through the prenup process, I would be very interested to hear how it all worked. How did they find a lawyer and how much did it cost? How did it affect the marriage? Inquiring minds want to know!
@Whiteflash93 Not everyone who wears tights wears them as pants-replacements. Some people wear them under skirts and dresses, for warmth and fashion.