My wife is an impulsive buyer and spends a lot of money without thinking twice. Am afraid we are not saving enough. How do I explain her?

Sit with her and tell her that you guys need to be intelligent in spending and need to save else things will turn bad. You have to scare her a little dodge in tell her your real financial situation. You can also tell her that there is this fixed amount that you guys will be spending on shopping for x, y, z and not beyond that. Sight some her tips from the link below, I guess that may help. http://www.aarp.org/money/budgeting-saving/info-10-2010/savings_challenge_tips_for_impulse_shopping.html http://www.webmd.com/mental-health/addiction/features/how-to-say-no-to-impulse-buying

Sit and talk it over with your wife. You have to come to an agreement on what your priorities are for the family. It would also help if you could have a breakdown of your income and expenses, and also your target savings on a monthly basis. It would be nice if you could ask her about her thoughts on the current situation of the family. Make her realize what's missing and what could have been if she doesn't stop splurging on unnecessary things. Let her lay down her cards and ask for a concrete action plan that would benefit the entire family and not just one person.

Maybe both of you can sit and and list out all the expenses that needed to pay. And from there let her know nicely that perhaps she need to try to save a little to ensure that you all have enough to spend without getting into debts. Bring her for a counselling if she need professional help. Anyway just sit down and talk nicely I'm sure you guys would find a good way to settle the issue.

Tell your wife that the cost of living all over the world is getting higher and higher. Raising a child is super expensive and educating them all the way till university will cost even more. Saving money is imperative for your family's future. You can show her this article: https://en.wikipedia.org/wiki/Cost_of_raising_a_child

Have a serious conversation with your wife. It's difficult to have financial issues in the family. I can see that you are capable of spending more than what is needed that's why your wife feels it's ok to splurge. If she doesn't have the concept of budgeting and saving for your future, be the one to initiate.

https://www.jw.org/en/publications/magazines/g201406/how-to-control-spending/ https://www.jw.org/en/publications/magazines/wp20121101/dealing-with-debt/ https://www.jw.org/en/publications/magazines/wp20090801/managing-money/ https://www.jw.org/en/bible-teachings/family/couples-parents/

My husband throw a temper once and point put to the pile of things i buy and ask did i use? And show us the bank account balance, how he is going to spend and eat at work, etc. Of course need a 3rd party to go through and remind her too. So now, i will think thrice before buying.

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Firstly sit down with her and plan out the family fianances. Perhaos you can have a joint account for the family. In that way it is not to be untouched. And she can still use her own money for whatever she wants.

Communication is the key as always, try to raise up the concern in a loving manner and find the right timing to open up such topic.