<prompt> Human: Hi,Throwaway due to personal information. To give you sort of an idea of where Im at. Currently 29 years old and have been making shitty decision after another ever since I was in my early twenties which have put me in a very bad financial state. Since the beginning of this year I have made a 180 turn and finally grown up, big thanks to this subreddit that Ive been reading daily to get my thoughts in order on how to treat finances.During the first 3 months this year I was unemployed and relied completely on my girlfriends salary. Now I got a well paying job and want to start making things right, everything from paying off debts to saving for an emergency fund and down payment on an apartment further on and work on my future.With that said, my girlfriend has very bad spending habits and has exactly 0 savings even though she, in one way at least, has made better financial decisions but still love to spend money shopping and whatnot to zero the account out. Now, I am really into getting my shit together and I feel like I missed so many years of my life with wrong decisions and Im done with it but I dont feel like we are on the same page, at all.Personally I would love to just live quite frugal now and save between 1000-1500 a month which I can easily do and then take it from there. She MUST go on a vacation this year, which Ive agreed to, which will cost us in total around 7000, we currently have zero saved for this and the plan is to do this in September.This is stressing me the fuck out, sure, I want to go on a vacation and what have you but I just dont wanna save this much money in such a short time frame and then have to start over.. again. And on top of that I am willing to make sacrifices to not only save for the trip but also overall save to have money once the trip is finished. She on the other hand is not willing to cut down spending significantly, actually even finding ways to increase it, like buying a pet for 600.So, how do I teach my girlfriend to get into the right mindset and understand that in order to achieve certain things in our life, one must make sacrifices? Thank you for advice!Assistant: This is probably more about communication in a relationship than it it about money. You have one wish save money!, your girlfriend has another wish spend money!. I guess youll have to talk with each other and reach a compromise. Which could be something like a. going on a less expensive holiday b. postponing the holiday until spring 2017. But it depends on the two of you.Money talks are important in a relationship. And there will always be times when you dont want the exact same thing with money. So I guess I would say: start practicing money talks now. Perhaps you can also explain to her why you want what you want, that could help her see your point of view. Human: We have been having quite frequent talks about this recently so I wouldnt say its a communication issue. Its more of a set mindset that I cant seem to change since I am not going at it with the right weapons. For example, I have been discussing with people way more experienced in when and how to buy all these plane tickets in order to find it cheaper. She doesnt want to do any of that, which amounts to no effort whatsoever, because of the fact that she is not a cheapo.That is a complete mindset that I cant change how much Ive tried so far, since she doesnt see a problem with it. Ive been trying to reason in so many different angles and ways and show benefits and so forth. Reason I am asking here is if someone has dealt with similar people before and how they managed.  <response>: My first husband was like this. We are no longer married. Im not trying to be glib - dealing with money can be a huge dealbreaker in a relationship if you cant both compromise and be on the same page. You dont have to agree on everything, but you do have to share some long term goals and general plans for how you will deal with finances. If shes not willing to go on a cheaper vacation or even research how to save money on flights, I would be very concerned about her ability to compromise on much bigger issues you would face as a married couple.My current husband spends money on things that I wouldnt; but our compromise is that we save money first toward our mutually agreed-upon goals, and then he has a separate account that he funds himself to spend on anything he wants - no scrutiny or questions from me. Since you arent married, you need to keep your money separate from her and work on your own goals, and tell her that you dont want to spend more than X on vacation. If she cant understand that, she should go by herself with her own money. 