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

Mums 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, especially if you are a housewife or a stay at home mum?

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. You might also want to 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

As much as possible, try to contribute whatever you can to the household funds. If you are a housewife or stay-at-home mum, consider taking a job that allows you to work from home so that you get to earn some cash while taking care of the family.

Your husband will surely appreciate your effort, and in turn give you a portion of his income as an allowance.

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

You might be one of the lucky ones whose husbands agreed to give you an allowance from the day you got married. However, there are bound to be months when money is tight and this requires both you and your husband to adjust the way money is spent. So do keep an open mind - because at the end of the day, there are bills that need to be paid and prioritised.

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

Whether you are a working mum or SAHM, your job now revolves around managing your home and raising your family. This entails hard work, so do put this message across to your husband and try to reach a compromise as to how much allowance you should/can be given.

Written by

Patricia de Castro-Cuyugan

allowancemoney tipsasking husband for money