<prompt> Human: August of last year my wife and I baby closed on our home at 289,000Combined my wife and I make 65,000.Our loaninsurancepmiproperty taxes is for 2110 FHA First Time Home Buyer 30 years at 4.45 PMI sucksWe are well above the 36 reccomended, honestly I dont even know how we got approved for such an expensive house with the amount we make. In retrospect we really never should of purchased this home...something around 200k would be more doable, but we live in CA and those houses dont exist and if they do they need 50k of work...I have cut most of the fat from our budget but cant seem to keep up. In addition my wife is a spender and when she sees money in the checking she spends it. I try and shift it around but in the end she just spends wayyy to much.So my question is...How do you talk to your SO about saving. Ive tried so many times and she doesnt get it. Also, what sort of repercussions are there for selling a home a year after purchase FHA Program. I am struggling financially and can hardly keep up.  <response>: In addition my wife is a spender and when she sees money in the checking she spends it. I try and shift it around but in the end she just spends wayyy to much.You need a budget. Then you need to separate discretionary spending from that budget.Once youve made your budget, there will be some leftover money. Split that in half. Put half in your bank account and half in her bank account. You now each have X for the month. When the account is empty, you gotta wait until payday if you want to buy something discretionary.If you have to think of it like an allowance, then do so.Its that simple. She cant spend money that she doesnt have access to. 