I have not been putting money from my earnings, into savings, ever since I was laid off at the start of 2011. I haven’t had regular hourly income until earlier this year when I got part-time off-farm work. All my earnings between the layoff and the part-time work have been lump sales amounts from farm operations and went back into farm operations. That was intended to be a stopgap measure when I first lost my job, particularly since DH had a very healthy savings account that could “cover” for our EF needs. At some point along the line, that short-term stop-gap became normal habit. And now that my earnings have gone back up, I’m trying to change that habit.
Additionally, he has always resisted the idea of sinking funds with his own accounts. I know some folks like having them and some don’t, but I have learned it’s important for me to have those funds allocated and separated well in advance rather than just all pooled together.
Now that my earnings have increased, a lot of our financial situation and practices are changing, mostly for the better. Yet a few will be things we learned in class but have never implemented until now. I think that’s where the resistance is coming from.