The worst mistake in my life is finacial dependancy.
By devijay78
@devijay78 (1573)
India
July 15, 2012 2:45am CST
Things have gone from bad to worse in some ways and I do regret not holding a proper job and earning for myself. Depending on your spouse for money is something which I would not recommend for anyone, be it a man or a woman. In India, particularly, there are many problems because the wife is a homemaker and is depending on her husband financially. Sometimes, a woman cannot take her husband's money even though it belongs to the family as a whole. Every person has to have their own money to meet their expenses. In today's world, I think it is the worst mistake one can make, being dependant on the spouse for money, for all your needs.
1 person likes this
13 responses
@doroffee (4222)
• Hungary
15 Jul 12
I would hate to be dependent on my boyfriend/fiancé financially. I'm a modern girl, so I don't see myself x years later as a stay-at home wife. For them, it is totally fine if they accept it... but still, I hate to be dependent on anyone, because what if we break up, and I end up with nothing. I really work for my money hard now, even besides studying, to have a nice sum to pay for myself if I get into a situtation like that. Also, I have some hobbies for which I like to buy stuff every now and then, and I'd hate to use money for that I didn't even earn.
1 person likes this
@kalav56 (11464)
• India
20 Jul 12
Devi! You will not break up.But your statement "Having money which you cannot spend and are answerable for even a single penny is bad too." is wrong.This is where your potential problem begins.The money is his.I am middle aged but believe me I would still not consider my husband's money as mine or something where I can have a say. [I admit I am a very affluent person but all that is in my own right and my husband would also not say anything regarding mine.] But, even when I did not earn or did not have my own cpaital given by my father I have never considered anything as mine or something where I should have the capacity to decide.The house would run strictly on his terms and I happily abided by it with no complaints.Toning down expectations but doing it happily is the secret of a happy married life and your husband would respect you a lot for a contented 'no expectation' approach.I am sure your husband is a responsible man who will not forego his duties to his children and wife.But HNI s would have expectations from their wives and would expect compliance.
There would be no question of your breaking up if you go by his wishes.
@kalav56 (11464)
• India
20 Jul 12
But you must earn your own money however small it may be and keep your 'my desire' expenditure within that.
Mark my word-you will definitely go up in your husband's esteem.Just wait till your son grows up a bit.If you can spare the time do some online work.Are you a software professional?
@devijay78 (1573)
• India
16 Jul 12
Hi. Yes, that would be difficult indeed for a person who is already earning. I guess I am a little old fashioned. But as kalav pointed out, problems arise only when we have expectations. I used to give tutions when I was in my college and even after that. But now, since I have a very small child at home and nobody to care for him, it would be impossible for me to start teaching again, at least for the time being.
Sometimes, I have the same fear that you do. What will I do if we break up? But we don't have to break up for such a misfortune to happen to me. Having money which you cannot spend and are answerable for even a single penny is bad too.
1 person likes this
@kalav56 (11464)
• India
15 Jul 12
devi! Each individual must be totally financially independent or live without any expectations whatsoever.If a woman has expectations [even the simplest of them]then it is better that she is financially independent.THis would not only fetch her good peace of mind because she is not a drain on her man, it would also give her something to do[if she is productive].
If you have left your job then you have made a mistake.Try some other online avenue that would give you some activity to satisfy yourself and also give you some pocket money.How is your daughter and the next boy?
@kalav56 (11464)
• India
17 Jul 12
And also adopt a policy of "If I need some small vanity expenditure then I will spend my own or else curtail my expectation" then your problems would be nil.Basically it calls for a lot of mind training.Obviously your parents are well off and so you would have had a comfortable upbringing.Then you would know what contentment is and this training is easy to achieve.If it is a matter of some health issue then you can borrow money from parents and repay them later .
THanks for the wishes.I noticed it only after you had mentioned it.
@devijay78 (1573)
• India
16 Jul 12
Hi. Both my kids are fine. I made a big mistake of not working. I was working earlier and even started working when my daughter was 3 years old. But my husband got transfered and I had to quit my job to take care of my daughter. What you say is true. Problems arise only when there are expectations.
I am trying to find some genuine part time work. I guess I have to keep searching till I get one.
1 person likes this
@devijay78 (1573)
• India
16 Jul 12
And congradulations on almost reaching the 4000 post mark.
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@andy77e (5156)
• United States
17 Jul 12
I disagree.
I think you are completely wrong. Totally wrong.
The most happy, fulfilled, close romantic couples I have ever met, have been ones where the wife stayed at home, and the husband worked.
Just amazingly happy women, who have never had a job their whole lives, and trust in their husband completely, who is the only provider for the house.
I met one couple, and the husband was talking to me about his job, and his wife walked in, and grabbed his hand, and kissed his face in front of me. They had been marred 30 years. She had never worked a job.
An amazing couple, and the husband's face was a bright as the sun when she walked in the room.
I have never once met a couple where both husband and wife worked separate jobs, where they were a super happy couple. Never seen that. They might be an "okay" couple. Mildly satisfied.
It's clear from your post, that you have had a bad experience. Perhaps you married a man you should not have married. Perhaps, your marriage doesn't have faith in G-d. Perhaps, you have not done things correctly.
Or perhaps something completely beyond your control has ruined things. I do not know.
But for thousands of years, men and women had happy, close, romantic, deep relationships, where the women never went out and worked a paying job. For thousands of years, women happily, and lovingly depended on their husbands, and their husbands lovingly provided for their wives.
Yes, maybe you need to go work. Your situation may demand it. But don't think everyone else must do that as well. The most happy women I've ever met, were stay at home mothers and wives.
@devijay78 (1573)
• India
17 Jul 12
Hi. As you said, there might be couples who live that way. But every time a woman needs something, doesn't she have to ask her husband for it and does it not pinch somewhere, sometime? Or maybe you are right. But most of the people whom I have come across have this problem . And now I do have too. Yes, all these years my husband did provide for me. But every time, he makes it a point to remind me that it is his money and I will have to think twice before spending it.
I don't know if it was something I did, as you pointed out. Or maybe I married the wrong man. But things are not getting better this way. I just wish I had money of my own so that I do not have to depend on him.
@andy77e (5156)
• United States
17 Jul 12
Well that's a marriage problem. None of the couples I know, have that issue.
Marriage is combining everything. Money too. You two, are still saying my money, and his money.
There is no "my money" and "his money" in marriage. It's "our money".
In the Christian Bible, it says in Genesis 2:24:
"For this reason a man will leave his father and mother and be united to his wife, and they will become one flesh."
One flesh.
In a Christian wedding, there's normally a special part where there are three candles. Two little burning candles, and a large unlit candle.
http://www.wedaccessories.info/wp-content/uploads/2011/08/wedding-Candles.jpg
The two people, each pick up one of the little candles, and light the third candle together, and then blow out their candles.
This is a symbol of the two separate people, becoming one.
Well *IF* 'we two are one', then there is no 'my money' and 'his money'. How can there be a 'mine' and 'his', if you two are one? If you two are joined together as one, it's impossible to have separate money.
So for whatever reason, you two have not done that. That's the problem.
My experience is that when a couple is having this problem, and the women runs off and gets a job so that she can have 'her' money, instead of dealing with their marriage problem, things end up worse.
How? Because as soon as you don't need your husband anymore and you have your own money, the husband ends up being even more separated, because now any time you need something, he'll say "use your own money". And any time the family needs anything, you'll say "use your money".
And the marriage quickly falls apart.
@devijay78 (1573)
• India
17 Jul 12
There are all types of people in this world andy. I don't think there is anything wrong with the woman getting a job and having her own money. If the husband had been more accomodating and understanding, this would not have happened in the first place, right? And she would not have to find a job for herself and have seperate money. There is no point in arguing with the husband day in and day out just to make him pay for everything. Financial freedom is something which boosts our self confidence too which has taken a beating because of such talks(my money, your money). I am all for a happily married life. Who would not wish for one? Aren't we all?
But when things turn ugly sometimes, it is better to see what way these problems can be reduced instead of fighting about it day and night. That is what I am trying to do too. I did not say that I will not spend for my family. Moreover, I would be happy to use the money I earn for my kids. Nothing could make me prouder than providing for my family including my husband.
@subhojit10 (7375)
• India
17 Jul 12
Yes i can understand your problem. But we should understand the fact that in order to run a family we need to strengthen our financial background first so that it wont create hassles in our life in the near future and if a male person is earning for the family while wife is a homemaker then things can be managed but if only a wife earns for the family then she really needs to be supported by her husband as she needs to earn a hefty amount to run her family. What say?
@devijay78 (1573)
• India
17 Jul 12
Hi subhojit. In certain cases, the wife earns more than the husband, but would the husband leave his job and stay at home and take care of the children? Do you think it would really happen in India where men have their mind set that taking care of the children and running a house is a woman's job?
@vidhyaprakash_2 (7116)
• India
19 Jul 12
Devi, sad to know about your situation, don't worry it will change soon.
Now a days most of the women are financially independence and have their own job, they are not looking their spouse for their spending. However some home makers are also existing in this world due to their situation. Really their stage is great misery. They are depending on the spouse for their money. This kind of home makers must find out their talents and start their home based earnings with their skills.
After marriage, some women's in India need to give up their job due to various reasons like location change, spouse wish and some other reasons. This kind of persons are staying in the home and remain as home maker. They are expecting their spouse for their financial needs. Even though they are graduates and finished their Masters and Doctorate degrees, they are in need to ask their spouse permission for lot of things.
After giving birth to the kid, really it is hard to go for an outside job, as the mother is in need to take care of the kid. This kind of home makers will do some online jobs or other talent oriented jobs like stitching, doing art works, painting, handicrafts and so on. This kind of works will give more fun and enjoyment to the ladies as well as they are earning an amount based on their activities, they are not depending up on their spouse for money. Be a self employed person and do your work to earn your money, Start you work with lot of confidence, surely you will achieve a lot with your hard work and determination.
@vidhyaprakash_2 (7116)
• India
20 Jul 12
I posted all the needed info in my site, also i posted the links of my articles in my site, it will be very useful to you to know about writing sites, surely i will help you as much as i can
@devijay78 (1573)
• India
19 Jul 12
Hi VP. Yes, that is the situation I am in and nothing has been finalised yet. I don't know how long I will be like this too. But I am determined to find a job or get some kind of extra income so that I do not have to depend on my husband for my needs. Just let me know if you know any legit online work too.
I would be happy if I find a part time. I did find one but it would be impossible for me to continue with it after my parents go abroad. So, I would have to look for something else now.
And for those two or four hours, I need to leave my son and daugther at a day care for the time my parents are not here. I seriously don't know what to do. I agree with you that a homemaker should not only concentrate on her family but also work to earn that little extra income for her needs at least.
Time is the main constraint. If we had somebody to take care of our children at least for sometime, it would be good. But if there is no one to do that, we will have to leave them at a day care(at least in my case) and whatever I earn will go for the fees and where will I have enough money for other needs?
@devijay78 (1573)
• India
19 Jul 12
I seriously do not know if I am good at writing. But I do write good english and can do a thorough research on any subject and write up about it. I do not have a blog now nor did I have the time for it till now. Now that my second child is a little grown, I can spend some time for these activities. I will take a look at your blog and if there are any doubts, I will contact you. I am sure you will help me out as Darshi did in a lot of issues.
I am there in APsense. I joined under Darshi. I would like to know more about the writing sites and how much they pay, etc. But I will pm you.
@Raine38 (12391)
• United States
17 Jul 12
hi devijay,
I'm also married, and prior to that, I was working as a CPA for the government. I can say I have a pretty stable job and a pretty decent pay. But for reasons I cannot disclose (I assure you they're valid), I have to quit my job and be a stay at home wife. Our life decision and priorities and the road that we want to travel on will really call for me to give up my career.
Now it's been a year since I quit my job. I admit I do miss working and expecting a pay check every month, be able to have something with just my name on it and spend it on anything that I deem necessary for myself. Now everything I need will have to come from my husband. He pays for my credit card (which I use wisely; I was and is never in debt) and he also gives me some money for our savings.
Before I decided to quit my good job, I made compromises with my husband: 1. he will let me have some access in his salary account, 2. he will let me invest in something that I can manage from home and look forward to some small income every month and 3. once our plans are done and executed, he will let me go back to work if I feel like working again.
I guess I'm just lucky to have a very understanding husband. He let me have access to his account; he just take out what's necessary for his day to day expenses out of his own pay, the rest just stays in our joint account. We also invested in apartments that we can rent out, and this is what I manage while staying at home. So far, my 3rd condition is yet to be fulfilled since we are not yet on that road.
Here in my country it's no longer surprising to see women climbing up the corporate ladder, nor of men being househusbands. But I guess it all depends on the circumstances, and what we are facing at the moment. I was just so lucky that my husband is able to really listen and understand where I'm coming from.
I honestly want to go back to work soon. I just hope my husband will let me should that day come. Until then, I have to make the most out of my current "job" as a SAHW.
good luck on your job hunting!
@devijay78 (1573)
• India
17 Jul 12
Hi Raine. My husband was accomodating too in the intial years of marriage. But after kids, the story has become entirely different. Yes, the high you get from seeing your name on the paycheck is something else. But, beyond all that, the very idea of asking permission from your husband for even small spends is highly revolting.
I did find a job(a part time), but my other responsibilities do not leave me much time for this particular job. I guess I will have to look for another one.
Anyway, I would say you are one of the lucky ones to have such an understanding husband, one who honors the promises he made before or immediately after marriage. I am not so lucky and face an uncertain future. Thanks for the wishes anyway.
@Raine38 (12391)
• United States
18 Jul 12
As for permission, I think we got our roles reversed. In my case, my husband gets tired of me asking permission if I can get this or that, he will just say "honey, I trust you. If you need it, get it." so we made a truce, if it's more than this amount, i'll let him know, below that I will be the judge.
Even if he's understanding when it comes to money matters, he also have some unrelated issues that I have to deal with. I guess beyond the financial aspect of a marriage, each of us wives have our own issues to deal with with the men we chose to marry. I strongly believe that there's no such thing as a perfect marriage that's free of any troubles. If that's the case, I think someone is not doing his/her "job".
In my case, I also put away some money that I've saved out of my household allowance. That way, should something really go wrong I wouldn't be too broke to get away. It's not something I wouldn't want to anticipate but we all know that things change, and so does people.
@eltobh (231)
• Indonesia
15 Jul 12
I agree with you. Even though husbands works, it is still important for the wives to go to work as well. For me, it is always safer if I can earn my own money, and I don't have to depend on my husband all the time. Moreover, the living cost is getting more expensive, and sometimes it doesn't work if only the husband work; and by working, I think you can gain more experience (especially socially) and you can keep your brain keep thinking :)
@devijay78 (1573)
• India
16 Jul 12
Keeping the brain working part is something I liked in your reply. Well, I have become very dependant on my husband for everything that sometimes even I get irritated with myself. But there is no choice, it is his money and I have to discuss with him what to do and what not to. Otherwise, all hell will break loose.
@jaiho2009 (39141)
• Philippines
15 Jul 12
I agree, this is one of women's problem in marriage life.
If a woman stays a home maker after marriage and cannot hold or control her husband's salary- that's really bad.
Here in our country there are some women who are suffering same situation- too much dependency with their husband.
But most women here are working/career woman and are earning money.
Some are earning bigger than their husband- and some woman becomes the breadwinner as well whilst the husband becomes the homemaker.
@devijay78 (1573)
• India
16 Jul 12
Hi jaiho. Sorry that we have not been in touch for a very very long time. You are one of the friends I look forward to communicating with. How are things from your side?
I had different notions about marriage and my future, but now since everything seems different, I guess I should change myself too. No use crying over spilt milk, right? I am also looking for jobs where I can work from home or some part time job where I can spend less time.
Making money online is very difficult. So only a regular job would give me the freedom I crave.
@Graceekwenx (3160)
• Philippines
15 Jul 12
I so agree with you!!!
I may not be married but i could relate to you in behalf of my sister. Her hubby (when they got married), advised her to stay at home with the kids. My sister holds a high position in her recent company and due to domestic obedience, she listened to her hubby. Life has been hard. They have 4 kids and her hubby and i believe that her hubby is not earning much, he practically pays for everything and he also needed to take medications for his depression which is rather very costly. Yesterday, my sister went to a doctor and was suggested to have an excision biopsy on the big wart on her hand. This hubby of hers scolded for the high cost for the excision. Like duh? we are talking about my sister's health here. Hayyyyyyyy..
My sister used to be so confident and not to mention beautiful back then as she has her own money to spend. Now... oh my.... she doesnt need to tell me that she has a happy married life coz it shows on her face. One thing for sure, if my sister has her own money, she had most likely called for an annulment because her hubby is psychologically incapacitated. Now, she couldnt have the guts to do so because she is financially dependent on him. And love??? Duh.. When poverty comes in, love flies out of the window.
@devijay78 (1573)
• India
16 Jul 12
How sad that your sister is going through something like that. I can understand what she is going through because in some ways, I am going through the same. When we are not earning, women have to depend on their husbands even for small needs and are answerable to all silly questions.
Even in health matters, their health would take priority and ours would not even be thought about. What you said is true about love flying out of the window when poverty comes in. But it is more like poverty from the wife's side and enough money from the husband's side. The ineaquality is what is creating problems.
Hope your sister finds a good job too to support her kids. I will take up a proper job only after Jan next year. That is when my parents will be back from visiting my sister in another country and I can leave my kids in their care.
Till then, I am on the lookout for part time jobs where I can work from home.
1 person likes this
@pjha1975 (214)
• India
15 Jul 12
Hi there..
First of all, let me say - "I am backkk"...!!!! :D I was on myLot hiatus for close to two months as I had been very busy with work as well as preparing myself for a very good opportunity that might come my way in the near future... :)
Now, coming back to the discussion at hand.. Being financially independent has become a necessity nowadays. It has become a necessity to have a Dual Income family..
Devijay, since you have mentioned India in your discussion, you know very well how inflation is hitting the roof nowadays in India... I mean, living has become way too expensive..! How is a family supposed to survive with inflation hitting the roof & salaries not going anywhere??!!! Currently, my family is a single income family with me being the only earner.. And, believe me, we are really feeling the pinch. The only option nowadays is to have a dual income family! We have to completely re-budget our weekly grocery bills... Its really getting way too difficult!!!
@devijay78 (1573)
• India
16 Jul 12
Welcome back. What you say is true. Inflation is high now and is still going up. Adjusting our needs according to the prices is what is happening with our family too. We have enough money and do not have to bother about making ends meet. But the fact that it is all only one person's and not mine is never forgotten and is all the time being reminded. The extra income would definitely secure my children's life but does it have to be reminded in a negative way?
@JenAC1984 (233)
• United States
15 Jul 12
I was also afraid of this happening, so I am in college...finally! I want to be able to provide a better, stable life for my kids. I do regret not attending college sooner, as I am close to 30 years old. Atleast I made the effort to join and continue. I now feel better about the future in all aspects. I can also rebuild my credit. So, that will help. I want to show my kids the proper way to live. They need to learn now how to save money for more important things. We are planning to move soon. It's time we give them a real home instead of the alternative which has been renting houses. They need more structure. I am excited to say that everything is looking up. If you get stuck and feel helpless, just remember, you can make anything you set your mind to happen! Good luck and Thanks for sharing!
@devijay78 (1573)
• India
15 Jul 12
Hi Jen. I am in such a position that I have to take money from my parents sometimes for my own expenses, which is very insulting. But I have a little money saved and I will give them back(even though they will not take it back). I admire your courage in getting started even if it is a little late. And since I am going to be almost 34 in two months, finding a job now without much experience and a huge break in career, is going to be very very tough for me. It is even now. But I am determined to take up some job(even if it pays less) and be independant which is much better than depending on my husband for everything.
And good luck to you in securing your kids' as well as your future.
@sbucu57 (55)
• Philippines
17 Jul 12
I have also committed that mistake many years ago. And you were right. Though I believe that financial matters when it comes to married couples should be discussed thoroughly between spouses, I cannot see anything wrong in having you own income and earning for oneself and family as well. It not only empowers you but you become independent as you really cannot rely on anybody including your spouse on everything.
@devijay78 (1573)
• India
17 Jul 12
Hi sbucu. My point exactly. What if something happens to the only earning member of the family? Where would that leave us? I strongly recommend people having their own money, be it a man, or a woman. Makes things easier that way.
@bradzuo (24)
• China
15 Jul 12
sorry for what happened to you. in china ,the situation is kinda different.it's common women depend on men finacially,whatever wife depends on husband or gf to bf.furthermore ,women oftertimes control the finace ,i mean ,women are allowed to spend the money men earn back as they wish.all man gotta do is working hard to earn enough money and saying with a smile to his honey"honey, here is the money and buy what u want" .
@devijay78 (1573)
• India
15 Jul 12
Oh that seems very easy! But I guess it does not work that way in all relationships. In India too, that was happening but in a different way. But we women will never get to spend money the way we want. Only a very few blessed ones get that kind of life. All the others have to struggle to save and always are answerable to their husbands or in-laws even for what they earn.
I just wish I had not decided on staying at home. I am on the lookout for part time jobs or the ones which do not require much working hours since I have two small kids too to take care of.