Food that you buy and eventually eat $30.00
Food that you buy and store in the back of the refrigerator until you have to throw it out because it looks like the thing that burst out of that unfortunate man’s chest and started eating the spaceship crew in the movie Alien 55.00
Pennies that you get as change and put in a jar, intending to someday put them in those wrappers and take them to the bank, when in fact you will die well before you ever get around to this 117.48
Rent, clothing, car payments, insurance, gas, electricity, telephone, magazines 829.12
Miscellaneous 2,747.61
As you can see, there are a lot of expenses associated with running a household, and to meet them, you will need Financial Discipline. Each week, when you get your paychecks, you must set aside $3,779.21 right off the bat, to cover your weekly household budget. If your combined weekly paychecks total less than this amount, perhaps you should go back and marry a rich person (see Chapter 1). Your other option is ...
Credit Cards
Credit cards are an excellent source of money. The way they work is, people you don’t even know mail them to you, and then stores, for some reason, let you use them to actually buy things. (No, I can’t figure it out either!)
The thing is, you have to be responsible about how you use your credit cards. You can’t just rush out and charge every single item in the store. Think ahead! How would you fit it all into your car?
So I strongly recommend that you be cautious with credit, following the wise Borrowing Rule of Thumb employed by the federal government, which is: “Never borrow any amount of money larger than you can comfortably pronounce.”
Your Checking Account
This is another potential source of money, although it’s usually impossible to tell how much money is in it. The important thing is to try to keep your checkbook “balanced.” Here’s how.
1. Each month the bank will send you an envelope containing a bunch of used checks, which, for tax purposes, you should place in a two-ply grocery bag and eventually misplace. Also in the envelope will be:
* A little note entitled “TO OUR CUSTOMERS!” that will feature a cheerful and totally unintelligible message like this: “Good News! First Fiduciary Commonwealth National Savings & Loan & Bank & Trust is now offering 3.439087654970 Growth Bonds of Maturity yielding 2.694968382857%
Compound Annualized Rate of Secretion!” You should try to save this note, for tax purposes.
* A piece of paper covered with numbers (your “statement”).
2. Okay. Now open up your checkbook and take a look at the kind of checks you have. If you have the kind with little nature scenes printed on them, or, God help us, little “Ziggy” cartoons, you’re much too stupid to balance your own checking account, and you should definitely go back and marry a rich person (see Chapter 1).
3. Now examine your check register (the part of your checkbook that you sometimes write on).
4. Now compare and see if any recognizable numbers on the “register” are the same as any numbers the bank has printed on the “statement.” If you find any, you should put a little happy face next to them.
5. If your total number of happy faces is five or more, then your account is what professional accountants call “in balance,” and you can go on ahead and watch TV. If you score lower than five, you should get on the phone immediately and explain to your bank that they have made some kind of error.
Your Home: Buying vs. Renting
Aside from Madonna and Sean Penn, most newlyweds rent their first home. This can actually be a pleasant experience, as you discover the Fun Side of apartment life: getting to know your new neighbors; listening to what kind of music your new neighbors like to play very early in the morning on their 150,000-watt sound system; having your new neighbors’ legs come through your ceiling when water from their leaking toilet rots their floor, etc.
But sooner or later, despite this recurring joy of these communal experiences, you’re going to want to have a place of your very own. Step one is to figure out how expensive a house you can afford. This depends on your combined annual incomes, as is shown by the following chart:
YOUR COMBINED ANNUAL INCOME PRICE OF HOME YOU CAN AFFORD Up to $20,000 Don’t be an idiot. There are no homes that you can afford. $20,000-$40,000 Don’t be an idiot. There are no homes that you can afford. $40,000-$80,000 Don’t be an idiot. There are no homes that you can afford. $80,000-$100,000 Don’t be an idiot. There are no homes that you can afford.
But don’t despair, young couples! You can still realize the dream of owning a home of your own, provided you’re willing to do what generations of newlyweds have done before you: roll up your sleeves, do the hard work, and make the tough sacrifices involved in nagging your parents for a down payment. They probably have some money left, even after your wedding, and your job is to whine and wheedle and look pathetic until they give it to you. Make sure you leave them something for food:
COST OF YOUR NEW HOME AMOUNT YOUR PARENTS SHOULD HAVE LEFT FOR FOOD AFTER LENDING YOU THE DOWN PAYMENT
Up to $50,000 $150
$50,000-$100,000 $75
Over $100,000 Various canned goods.
Chapter 8. How To Argue Like A Veteran Married Couple
Most young couples begin married life knowing very little about how to argue with each other, and are forced to learn through trial and error. Sadly, some of them never do learn, a good example being that couple on “The Waltons” who never fought about anything, and consequently wound up with three or four hundred children.
There is no need for this kind of tragedy. We veteran married couples have, over the years, especially on long car trips, developed certain time-tested techniques that even an inexperienced person can use to turn any issue, no matter how minor, into the kind of vicious, drawn-out argument where you both spend a lot of time deliberately going through doors you don’t really need to go through, just so you can slam them viciously.
When you get involved in marital arguing, the role model you want to bear in mind is World War I, which got started when some obscure nobleperson, Archduke Somebody, got assassinated way the hell over in the Balkans, and the next thing you know people in places as far away as Cheyenne, Wyoming, were rushing off to war. These were people who wouldn’t have known a Balkan if they woke up in bed with one, but they were willing to get shot at because of what happened there. It’s the same with a good marriage argument. If you really do it right, you should reach the point where neither of you has the vaguest recollection what the original disagreement was, but both of you are willing to get divorced over it. This is the kind of veteran marital relationship you young couples can develop, if you follow these proven techniques.
The most important technique is: Always be on the lookout for conversational openings that can lead to arguments! To illustrate this, let’s look at a typical marital conversation: