How to ask your husband for money: Easy steps to get your allowance!

Strapped for cash? Don't beat around the bush & tell your husband it's time for money talk! Check this out for tips on how to ask your husband for money!

10 Tips on how to ask your husband for money

Moms deserve a little treat every once in a while. A quick shopping trip or a day at the salon can do a lot to relieve stress. But how do you ask your husband for money as a housewife or a stay at home mom? Here are 10 tips to keep in mind when planning to bring up money with your spouse.

Set aside time to talk money with your spouse

Although a sticky topic to tackle, money talks with your husband help keep you two in sync with regards to your financial goals. Also, once you’ve established a regular sit-down session about your budget, the conversation becomes easier over time.

Be clear about your purpose for wanting to talk

Your spouse may feel ambushed if he walks into a financial conversation expecting something else. Be clear from the start that you would like to talk about money and the possibility of having an allowance.

Be prepared when you approach your husband

Think ahead of the benefits of having an allowance so that you can accurately communicate your needs with your husband. Mom blogger Chessy Alejandro also suggests that you look into the household income and plan all monthly expenses first. From there, you will be able to come up with a plan as to how you can obtain an allowance with your current financial situation.

Truly listen to what your spouse has to say

Sometimes, your desire to drive a point across prohibits you from truly listening to what the other person is saying. Listening for real means facing each other while speaking, giving the other person enough time to talk, and reflecting on what has been said before responding.

Come clean on your money blunders

Whether you overspent on an impulse buy or forgot to pay for your credit card bill, it's best to come clean with your husband. Keeping mum might lead to an argument once the secret's been discovered and may lead to more financial trouble.

Contribute whatever you can

Rikka Redrico, a mom of one, took on a home-based job as a virtual assistant in order to help with the bills and to have a little extra to spend on her daughter. Aside from her financial contribution, she also manages their household fund. Her husband appreciates her effort, and in turn gives her a portion of his income to spend on herself.

Start small

If allotting additional budget for your allowance seems overwhelming for your husband, try making small adjustments first. Show him where you can save on expenses, and from there suggest that the budget be reallocated to your personal fund.

Be flexible

Working mom turned stay-at-home-mom Francesca Hembrador’s husband agreed to give her an allowance as soon as they were married. However, there were months when money was tight and they both had to adjust. She shares that she understands and accepts that monthly payables come first.

Be in this together

As husband and wife, your financial goals should be aligned. By setting your budget, planning your savings and dealing with expenses together, you reinforce this commitment to work as a team.

Know your worth

As a housewife, your job now revolves around managing your home and raising your family, as stay at home mom Talia Basman shares. This still entails hard work, and her husband agrees that this job entitles her to have money of her own.

ABOUT THE AUTHOR: Patricia de Castro-Cuyugan

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Patricia de Castro-Cuyugan

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