It really upsets me how we would budget for house renovations or save up for something only to have him come home with a brand new portable entertainment system! His justification was he bought it on 0% interest. He couldn't understand that what annoys me most is that he made such a big purchase without discussing it with me. There are other things that we could have bought with that money -things that the whole family would have enjoyed and not just him!
Often the source of conflict in marriage is when handling the family finances. Money and how to spend it is always a sensitive topic. Past generations saw the man of the house as the sole breadwinner and thus, the main decision maker. With dual-income households now the trend, more and more women believe that deciding how to spend the couple's earnings should be a shared responsibility. Problem is there are always have opposing ideas about where the money should go.
The way that a person values money may be attributed to his or her upbringing. If brought up thinking that saving for a rainy day is important, this person will probably be conscious about putting away money at regular intervals. It could be because of mismatched priorities. Different personalities have different priorities. The priorities are defined by one's own personality and taste rather than an objective assessment of the family's needs. A husband and a wife are still two unique individuals with different perspectives and would see things differently including how to spend the household budget.
In the end, there are no hard or fast rules to budgeting. It will vary from couple to couple, as everyone has their own set of values and priorities. The most important thing is to openly communicate so that decisions are made and goals are reached through a loving compromise.