IDENTIFYING YOUR EXPENSES

Now you know how to divide expenses and debts. The next step is to identify how your expenses and debts can be categorized.

On a piece of paper, write down everything on which you spend money. Include as much detail as possible in your list, making the list as long as necessary.
A more popular approach among today’s couples is for each spouse to maintain a checking account, and for each to take on the responsibilities of paying certain bills. This can work well in the modern dual-income household, provided that each spouse is earning enough to cover all the assigned bills.

The advantages to this approach are several. First, neither of you is overwhelmed by the burden of paying every household bill and is unlikely to be found, as poor old stereotyped dad, slumped over the office table with piles of unpaid bills and worries.

Although big purchases obviously cause greater debt, the little, unplanned things - the ones you hardly even notice are often the ones that undercut your best intentions. For example, snacking out of vending machines combined with stopping for gourmet coffee on the way to work each day can add up to nearly $1,000 a year.

Using the following codes, identify the status of each expense
item on your list:

■ S = Secured loan
■ U = Unsecured loan
■ EF = Essential fixed expense
■ EV = Essential variable expense
■ N = Nonessential expense
■ R = Expense that can be reduced
■ C = Expense that can be cut entirely

Second, you’re sharing bill-paying responsibilities, and thus each of you feels like an important contributor to the financial foundation of your union. Finally, there are no agonized negotiations over allowances, as each of you is left with some resources that can be spent independently.

Continue to add lines, making the list as long as necessary. You want to account for everything on which you spend money.
Expenses do not need to remain static. As circumstances change, you can add or delete items or change the status of an item. If a job change makes it necessary for you to have a pager, for example, you can simply move that expense from the nonessential to the essential category.

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