The Meaning of Lila

the-meaning-of-lila1

The following is today’s The Meaning of Lila comic strip. You can read this strip and many others for free at Comics.com.

Lila is a profligate spender who is deep in debt. Of course, she refuses to acknowledge the problem and continually finds ways of justifying her irrational spending habits.

This strips also highlights an important factor in frugality: the people around you. It is extremely difficult to go from spendthrift to frugal, and it is so much more so if your spouse or friends keep their bad spending habits. It would be the equivalent of trying to quit smoking when your husband or wife is a chain smoker and your friends keep offering you cigarettes. You cannot do it alone.

What can you do? Friends are a bit easier to deal with. You will have to tell them that you are cutting back and that you want to spend less and save more. You will also have to change the ways that you socialize. If you and your friends meet at expensive restaurants, propose having them over to your place for a dinner party. If you and your friends always meet at the mall, propose a walk in the park or activities that keep you away from the temptation of spending. Yes, you may lose some friends or others may drift away, but that may be a small price to pay to avoid your financial Armageddon.

The real problem is what to do about your spouse. Divorce is not really an option most times. They do get quite messy emotionally and quite expensive. However, you will have to talk to your husband or your wife and see if they are willing to work at it together. If you are lucky, they will understand the need for prudent financial planning. If you are less fortunate, they will refuse to change. What then?

If you have a spendthrift spouse, you may have to take some drastic measures including having separate bank accounts. This will result, of course, in a lot of negotiations and some give-and-take (and more than likely a few heated arguments along the way), but  you must find a way to deal with it. It may, of course, require you to do more. You should do the shopping and cook to cut waste. You will have to try and cut back on any impulse purchases your spouse makes. You will have to be vigilant as to your finances and explain continually why you should not be spending more.

Simply put, it will be difficult, very difficult. However, do you have a choice? I don’t think so. Sadly, it may lead to a divorce in the long run, but you are much better off trying to settle the family finances before that happens. The fewer financial difficulties you have before the divorce, the fewer you will have after the divorce, and the easier it will be for you to start your life over as a frugal single person.

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4 Responses to The Meaning of Lila

  1. Joanne says:

    Once again, a thought provoking article and this one touches close to home. It is even more difficult in a mostly single-income household when the breadwinner is the spender. Believe me! But as you say, the thrifty one has to keep trying because the alternative (if you can’t beat ’em, join em) is financial ruin without a fight!

  2. thepennypincher says:

    Thank you. Are there ways of dealing with it other than divorce? I was thinking that a good option would be automatic deductions straight from salary going into savings. In Canada, you can buy Canada Savings Bonds through work whereby a certain amount is deducted from each pay. You can’t spend money that you do not see and you save in spite of yourself. I plan on signing up for this next year at work.

  3. I can’t understood the meaning of this one….Can you have the best one?

  4. thepennypincher says:

    I didn’t quite understand your question. The best one of what?

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