Why Your Girlfriend is Making You Broke

Why Your Girlfriend is Making You Broke

Being in a relationship may enrich your life, but it’s definitely doing no favors for your wallet.  Find out where you’re spending the most money on your girl and plug those holes ASAP.

By Jesse Bouche

You’ve been dating for 6 months now and things are great – you’re hanging out regularly, your friends like her, her friends like you and, well, things are good. There’s one catch. You haven’t saved a penny in the last four months and you’re watching your credit card balance climb onward and upward like a balloon on parade day.

Your girlfriend is making you broke. But, how? And more importantly, how do you stop it? Let’s start with how you got here (here being the point where you start stuffing credit card statements into your sock drawer in order to hide from the shame):

She Wants to Go Out

It’s Friday. She wants to leave the house. Nothing too crazy, just meet a few friends for a drink or two at a local pub, maybe have a couple of appetizers and then retreat back home to watch a movie. Doesn’t seem like a big deal, right? Wrong.

Let’s break it down:

  • Return Cab Fare* $20
  • 3 Drinks for Two $50
  • Appetizers $30

*The return cab fare is because you’re not the kind of jerk that drinks and then drives.

For a quiet night with friends you just blew $100. Do that once a week and you’re looking at $400 a month or $4800 a year. Don’t even get me started on full-blown dinners, the movies, big nights out or the tiny little extras like stopping on the way home for a fancy hot chocolate.

Even if you two are splitting the tab now and then, all that socializing can cause some serious damage to your wallet. One to two nights out a week can break you faster than you think.

She Wants to Call You

Don’t have unlimited texting and thousands of included daytime minutes? Too bad, she’s calling and texting you anyway.

I love my lady. I do. But, I still pine for the days when my cell phone usage consisted of a few work calls and the occasional call to friends, which would go something like this:

“Hey, you want to get a drink tonight?”

“Yeah. Bugby’s?”

“Sounds good. Six?”

“Yep. Bye”

Click. The End. Now, I’m renegotiating my contract for extra minutes and all-inclusive texting (more on that later).

She Wants Presents

She’s not an unreasonable girl. She’s not standing there demanding you buy her diamonds and designer purses. She just wants a present every once in a while. That’s fair. Too bad so many of us go way over board on the gift-giving front.

According to the National Retail Federation, the average man will spend $103.00 on Valentine’s Day gifts this year. That’s down from last year’s $123, you can thank the recession. Let’s extrapolate that and just say most guys are going to spend between $100 and $120 on a gift for their lady. The problem? There are so many gifts:

  • Birthday $100-$120
  • Valentine’s Day $100-$120
  • Christmas $100-$120
  • Anniversary $100-$120

That’s $400-$480 and we haven’t even started on those little surprises throughout the year or times that call for bigger presents (you’ve been there). Let’s throw in an extra $15 a month for congratulatory flowers or you-had-a-bad-day cupcakes and you’re looking at an extra $180 (and still looking cheap).

She Wants to Get Away

It’s just a quick getaway. You know, a “mini break.” Well, guess what? That weekend skiing trip or drive through wine country could easily cost you well over $1000.

If you’re driving, you’ve got gas and food. If you’re flying, you’ve got plane tickets and all the costs associated with getting to and from the airport (not to mention the obligatory $20 that seems to fly out of everyone’s pockets any time they spend more than 30 minutes in an airport).

Staying in a hotel? That’s a minimum of $100 a night. Make it $200 if you don’t want to hear about how disgusting your Motel 6 bathroom was for the next 3 months. Throw in 3 meals a day for two days ($200 a day for the both of you) and you’ve got yourself one expensive weekend.

I haven’t even started on lift tickets, winery tours, or that helicopter ride over the Grand Canyon she’s always dreamed about.

How to Stop Her Wants from Destroying Your Finances

It’s simple: be honest. If your budget can’t handle going out two or three nights a week, tell her. If you can’t afford a weekend getaway, tell her. Nine times out of ten, she’s going to respect your willpower and how responsible you are with money. If she balks, she’s not the girl for you.

You also have to be honest with yourself. Do you know what you can afford? Do you have a budget and a strong understanding of how much money you have coming in every month? If not, subtract 10-20% of your take-home pay for savings. Now, factor in your bills and regular expenses (rent, cable, car insurance, etc) along with any debt repayment you’re currently tackling. Whatever is left over is how much you can actually afford to spend every month on night’s out and frivolous purchases.

But, and this is a big one, that doesn’t mean you can get away with never going out, getting presents, planning trips or talking on the phone.

It just means you have to go about a little bit differently:

Limit the Night’s Out

Try to limit your nights out to one night a week or even less. If you like the socializing, then something has to give. Either you go out and don’t drink or you start inviting your friends over for drinks and dinner.

During our leaner undergraduate years, an old girlfriend and I used to trade off with three other couples hosting a weekly night in. We’d spring for booze and serve dinner once a month. It would cost us about $100, but it was a fraction of the cost had we spent those nights at the pub.

And there’s always nights in. I cook most of my meals from scratch, I have a Netflix subscription (and an Xbox for Netflix streaming) and a comfortable couch. It’s definitely not the most cosmopolitan of experiences, but it does the trick. Check out The Top 5 Dates Under $15 for some more cheap but memorable ideas, and also A Couch, a Film and a Bottle of Wine for some good wine / movies on the couch pairings.

Renegotiate Your Cell Phone Plan

She’s never going to stop calling and texting. Renegotiate your cell phone plan before you spend a small fortune on over-usage fees. Sorry. $5 for the extra texting plan or $15 in overage charges?  You may not want to spend the extra money on the plan, but you’re spending it anyway when she texts you all the time, you might as well be smart about it.

Save For Your Getaways

You want to get away? Have a little vacation? Fine. Here’s the catch though, you have to save the money first. In fact, you have to save 130% of what you think it’s actually going to cost.

It’s the only way you won’t drive yourself into debt on mini-breaks and quick little trips, plus it’ll make the experience so much more enjoyable knowing you’re only paying for it once (as opposed to the two or three times you could end up paying for something on your credit card).

You’re also less likely to over indulge or spend frivolously with your own, hard-earned and saved money.

Save on Presents

You could negotiate some kind of present limit with her. Or, you could swallow the $480 a year and be a much happier man. Again, sorry.

Jesse Bouche is a grad student and freelance writer working his way towards a debt-free life. Check out his progress over at http://sixmonthstodebtfree.com.

  • Pingback: Day 70 - Check Me Out on Primer | Six Months to Debt Free

  • Pingback: Your Girlfriend is Making You Broke | Primer

  • Derik

    Good ideas here. I think a lot of guys either spend way too much or not enough.

  • James

    cool post, thanks

  • Pingback: 5 Affordable Date Night Ideas That Won't Make You Look Cheap | Primer

  • http://carinsurance.cheap-quotes.info Steve

    I generally don’t take the trouble of commenting on blogs but your posts have been always useful. Keep up the good work.

  • reedcarbonell

    Nice post, I always say that to my friends not to spend so much in flowers, gifts, outings, getaways etc. in their girlfriends, if they love you they would actually understand you. What if one day you can’t give those flowers, gift, etc to her, of course you spoiled her it would rather look another guy that will give those material thing. So don’t spoiled your girlfriend.

  • joe

    Here’s what I’ve learned. Instead of saving your money, (she’ll find a way to spend it), just spend it faster than she can. Be a little selfish and buy yourself something nice.

    • http://www.primermagazine.com Andrew

      That’s certainly one way around it! :)

  • http://getbackwithyourgirlfriend.blogspot.com ex girlfriend back

    the last girlfriend I had pretty much drained me. This is funny I find your post now. I think it would be nice for every once in a while for her to buy or at least split the bill with you. My ex girlfriend would eat half her dinner and then box it up every time I took her out. Talk about using me for a good dinner so she can save money on two meals… I always took care of everything. Well that got old and we are no longer together. You call them out on it and they freak out. I tried the best I could to be nice about it but didnt work. Whatever wrong girl I guess. You Just gave me some ideas for my blog. I will tweet this post here. Good stuff.
    .-= ex girlfriend back´s last blog ..Common Mistakes Men Make With Women =-.

  • http://twitter.com/farid_zenon Farid Zenon

    note this:- this my second articlei read on this site, well think gonna change now i gonna addict to it every single day just like my morning coffee.

    guys you are the MAN!!!!!
    .-= Farid Zenon´s last blog ..farid_zenon: @mohdismail kuasa internet!buat aku terbeliak mata walaupun air liur aku masih dibibir.Link yang aku rasa betul berguna utk bulan ni. =-.

  • http://www.alot4alittleonline.com Don

    Yes sir my girl freind and kids stayed in my pocket so much i started a website so i could make alittle bit back off of my own money LOL. cheap prada bags

  • V

    A recent ex of mine was exactly like this. Wanted to go out for dinner 3 nights a week, always wanted to go to the movies, and I was ALWAYS the one paying for it… (I was making $10/hr and she made $40k a year as teacher) Being a college student living in an apartment by myself, that was not ideal. Not even close. I TRIED explaining to her that I can’t really afford to drop $40 or $50 on dinner all the time and I’d completely be willing to cook up a nice meal at home… She wasn’t hearing it. Long story short, after a while I got rid of her and it was an amazing relief.

    • toriavict

      All women are not like this. I can definitely say that I have bought my boyfriend dinner more times then he has bought me dinner.

  • Concujak

    Just stay single, like any girl is going to put up with a guy who wont spend on her

    Women always have backup beta male pussy beggars waiting in line 

  • Day_is_Over

    Girls think guys are cash machines. Spend spend spend spend spend.

  • sabretruthtiger

    Women still spend almost nothing and expect men to foot the bill. It’s funny how they’re feminist when it suits them but when it comes to money, suddenly they’re old fashioned.

    • toriavict

      this is false. When I want to go out for dinner I tell my boyfriend that it is on me since its my idea in the first place. The only time I absolutely expect him to pay for it is on my birthday.

  • sabretruthtiger

    Prostitutes are cheaper with less hassle.

    • Bruce Wayne

      $120 at the asian whore house.
      If i go once a week, its still cost less than a girlfriend. LOL

  • sabretruthtiger

    Earn your own money women, if not then get in the fucking kitchen and spread your legs when I say.

  • Just A Bloke

    If you’re a couple, then you’re a team. Part of that is sharing.
    Start as you mean to go on innit. So if you don’t wanna end up paying for everything, don’t start by paying for everything. If she’s gotta problem with that, let her go, she can go bankrupt some other poor fella who dunno any better, or maybe she’ll even learn to stop being a sponger.
    Now lads this works both ways, cos some women will insist on always paying for you both. When this happens, don’t take the pee, share.
    Some blokes might think paying for everything is the way to go. But if she’s attached to your wallet, not you, expect her to disappear when it’s empty.
    Ladies, you have a part to play in this. Don’t mug blokes off. You’re special, but if he’s paying for your time, you know what that’s called. If his company ain’t enough to keep you around, then show him & yourself some respect, & jog on.

  • Just A Bloke

    Also, what’s with these expensive nights out?
    Use a bus or tube, with Oystercard it’s easily half the price of a cab. & if it ain’t that far, walk, which is free & good for your health.
    Go to a cheap pub, & don’t drink much. Don’t buy rounds, which means it’s best not to request a drink if someone else is buying a round.
    Get some chips or donuts from a chippy or donut shack. They’re hot, one’s savery, the other sweet, & either one shouldn’t cost you more than £2.
    There are cheap cinemas where you can get change from a fiver.
    Ofcorse, staying in can be cheaper, but going out don’t avta blow the bank.
    Only take a certain amount of money with you, cos you can’t spend what you ain’t got. Ofcorse, that means no borrowing or taking cashcards with you.

  • damnlame

    save money, ditch the bitch.

  • HELLAFLLUSHx

    Thats why i dont want GF… girls are awesome and cute. but WAYYY to expensive, i preffer buy a car and tune it up, if you will waste money, at least waste it for fun

  • toriavict

    Well this article is completely ridiculous. I buy my boyfriend bday/valentines/christmas presents. He likes going out just as much as I do and I havnt heard him complain once about the cruise we booked for the winter. My boyfriend will say that he spends more money now that he is in a relationship but guess what so do I. Like a lot more. Those xbox games and lingerie aren’t cheap!!

  • toriavict

    Wow, after reading these comments I have a solution for you whiners. Stop dating girls with money issues. There are plenty of financially responsible, independent WOMEN out their who aren’t trying to spend all your money.