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Your Military Spouse: The Living Breathing Money Pit

Posted By: JennyJM
Posted On: 10/22/09 07:02 PM

Author Photo: JennyJM

Photo illustration by Cyrus McCrimmon, The Denver Post
At first, when I'd listen to soldiers bitch about their spouses being financially irresponsible - I thought they were being overdramatic. However, now that I've actually met and hung out with many military wives - I see that isn't the case at all. It's pretty sad and shocking how many of these women recklessly spend their soldier's cash while the soldier is deployed. As Marty’s units FRG co-chair, I've decided it's imperative that we offer workshops on how to be financially responsible while your spouse is deployed.

A good example of a soldier being financial screwed up the ass by his wife is a friend of a friend - who has made a little over 20 grand in the past 6 months while deployed... All he asked of his wife was to fix up his car while he is gone which is about $2,000. With utility/rent, food and general entertainment bills they should have at least 7 grand in savings... The wife has spent everything. They have only $400 in savings and the checking is overdraft. I believe she just spent $200 of that $400 at Ikea yesterday.

Thankfully my buddy Alex called him to tell him what she has done and when he returns on mid-tour leave next month he's filing for a divorce. [there are a couple of other features to the reason of divorce] Anyways, I'm floored by the disrespect these women show to their deployed spouses. They don't realize how hard it is for the men to be away from family and friends for 6 months to a year and make it even harder on them by leaving them with no money and credit bills up the wazoo when they return.

This has also led me to realize how much faith/trust Marty has in me. I am allowed to run the finances all on my own - with his supervision, of course. I setup the monthly budget, pay all of our bills and dump extra cash into our savings. Hopefully through friendship with some of the military spouses in the unit, I can help be a mentor of sorts so that the soldiers don't have to fret about financial woes while they're away. The military really needs to institute and enforce some form of required financial counseling for couples.


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Posted By: OhHiItsMe
10/22/09 02:12 PM

I'm not at all surprised that army wives tend to spend recklessly. It's pretty common knowledge than women in general shop to relieve stress and to cheer themselves up. I imagine that not only being without your husband, but also having to worry about his safety would be extremely taxing, especially if you have children. Though it's not as excuse, it's a reason I can understand.

The woman I nanny for is an army wife and instead of spending, she seems to drink in excess. With the two little ones it tends to worry me.
Posted By: Michael
10/22/09 02:12 PM

i wonder if there are studies on spending specific to military spouses. it is an interesting combination if you think about it. consumer overindulgence is often used to fill "holes" in ones life and women often defer financial discipline to men. so now you have a scenario with a hole left by no man to discipline. double jeopardy.
Posted By: JennyJM
10/22/09 02:24 PM

Amanda, normally the 3 keys to a smooth year for the spouse with their soldier deployed are 1. participate in the unit's frg, 2. spend as much time as possible with both friends and family and 3. stay very active. My outlet will most likely be gaming - with Marty - I'm not much of a shopper. Military spouses do have to shoulder a lot of responsibility when their soldier deploys, especially if children are involved. That's sad that your friend is abusing alcohol to deal with the stress. There are many programs/sources within Army military organizations that assist in such siutations where the spouse has turned to substance abuse.
Posted By: JennyJM
10/22/09 03:09 PM

Mike,

It's sad that managing your own finances can be difficult/complicated for soldiers while deployed, so they feel the need to appoint someone in charge of that while they're gone. I tried searching for studies that would apply to this subject but couldn't find anything other than blogs of folks arguing about the same issue. maybe when the financial counselors show up at our next meeting they'll supply some documented statistics/studies in their presentation.
Posted By: onemiamibum
10/22/09 04:58 PM

About 10 years ago I had a converstion with a friend of mine who was a marine. He had a different story but on the same topic. He told me that soldiers were paid more if they were married. Many of them would go get married just to get the extra pay, but never sent the money to their 'wives'. Some of the women learned that they could go to the administrators and have pay taken straight out of the soldiers account into their hands. This really pissed of the soldiers. I don't know if that is still relavent, but the pendulum seems to have swung the other way.
Posted By: JennyJM
10/23/09 09:04 AM

Well, I'm sure it swings both ways - I just know that MOST of the military wives I've interacted with [hundreds at this point due to army wives forum & frg conference] have a lot of trouble managing their finances and it gets worse once the soldier deploys.
Posted By: Dylan
10/23/09 10:13 AM

Do you find the military wives that have trouble staying in the green are also ones that grew up with little cash in the first place? We might be seeing a spatial correlation here that is actually a relationship between low-income individuals and their spending habits when given a cash-flow.

Also, everytime I see this blog post I immediately think "Sixteen military wives....."
Posted By: JennyJM
10/23/09 01:52 PM

I believe it lies more with what Mike was addressing about consumer indulgence to help fill "holes" in life. We've only really witnessed the spouses digging themselves into financial duress while the soldier is deployed.
Posted By: Virginia
10/23/09 02:25 PM

"spatial correlation here that is actually a relationship between low-income individuals and their spending habits when given a cash-flow."

Dylan I think they have a term for what your talking about and I think that it is probably a very real problem. If you never see anyone conservatively handle their finances, if your only exposed to 'spend it if you got it' type of mentality, then I would imagine that yes people's early finical experiences would definitely effect there spending habits later in life. I am sure there is research on that.

I would also imagine that Jenn and Mike’s assessment is correct to an extent but I would also like to add some evo psy stuff to the picture. Lets say that men have evolved to obtain resources and to share these resources with women for both long and short term mating. Now women on the other hand have evolved to receive resources form guys and in return give the male an opportunity to spread his seed. So overall all we have men obtaining and securing resources to add to their mate value while females are selecting males based in part off his ability to procure these resources. It would always be in the females best interest to take resources from the male and it would always be in the male’s best interest to be somewhat frugal with his resources because if he loses resources he ultimately loses mate value. If you apply this to modern society were we put a very high value on material possessions it just amplifies the problem. I am reminded of a long standing joke among married people, the notion that the wife always want to go out and buy new clothes and jewelry and she ends up having to hide the stuff from her husband who would get upset if he knew where his resources were actually going. Now combine all of this plus the fact that these women are lonely and you have the ingredients for some bad spending habits and material conflicts.



Posted By: Michael
10/26/09 01:14 PM

i hate to get grim, but based on that, then is it also possible that spending increases because there is an increase in likeliness that the man might not come back? kind of like...smoke em if ya got em?
Posted By: Marty
10/27/09 05:57 PM

A lot of this, the spending money and even cheating, the women rationalize by blaming the husband for going over there. It becomes a punishment for the soldier. "He left me here so I'm going to ____." Even the individual you speak of has said "it's his fault for leaving me here."
Posted By: Marty
10/27/09 05:57 PM

shit, double post.
Posted By: Michael
10/27/09 06:04 PM

good recovery
Posted By: Marty
10/27/09 06:08 PM

this computer for some reason runs your site very slow and i hit submit a couple times thinking it wasn't doing anything. also, can i get a m.idiotechnica.com?
Posted By: nicole
11/04/09 01:30 PM

It's not just military. Working in retail I've seen plenty of women who don't look like they've made the money they're spending. Some of my friends moms just walk around ordering $80 bottles of wine, etc when I know they don't work. I've seen financially responsible stay at home moms but I have to say they're more rare than the eager-to-spend. It makes me ashamed to be a woman.
Posted By: JennyJM
11/04/09 01:36 PM

How are you doing, Nicole?
Posted By: nicole
11/04/09 01:46 PM

Other than every person I'm friends with on facebook having seen my ridiculous and private suicide video -_- I'm fine
Posted By: JennyJM
11/04/09 01:58 PM

I sent it to your sister and a couple of what appeared to be your closest friends, telling them the videos proves I'm for real - the message is not a joke - and for them to contact you ASAP. I apologize it was distributed to your entire facebook friends list. Didn't consider the videos particularly private when someone shared the public video site it was on and told me it was posted onVMO. I hope your family and friends are being more conscious of what you're up to and you're seeking some form of help. I apologize for any grief my sharing those videos may have caused you.
Posted By: nicole
11/04/09 02:11 PM

thanks Jen. I tend not to think of VMO as real life. I think they had a couple hundred views before they were taken down. It's cool anyways. I'm here. Etc.