Background: About a year prior to DH and I getting married, he was laid off. For the better part of 2 years, he was unemployed, BM was unemployed and I was supporting everyone, providing insurance, etc. Then DH took a job in another state so I had to quit my job of 10 years to move. Got a PT job in another field while I continue(d) to look for full time work in my field. Hated the job, but we needed the money. So out of the money I made, I've continued to pay my expenses (horse, student loans) and the travel expenses for the kids.
About a month ago, there was a family emergency and I couldn't get time off to go deal with it so I quit my PT job and went out to care for my Gma.
My husband is getting ready to PCS for a year to another country. With the holidays, we have quite a bit of travel planned to see the kids. If I were working, I wouldn't be going. We would instead fly the kids out here so I could work during the day and be home w/ them at night if Dad has to leave sooner rather than later. So at this time, I have no intention of starting another job before the 1st of the year. DH is on board with this. I do have a couple of options on the horizon so this unemployed status won't last for long. I can't stand not having my own income.
Question: My question is, for those of you who don't bring in income, how do you handle finances, especially when it comes to non-essentials/gifts and covering your personal monthly expenses? My total monthly personal expenses are about 600 dollars. I don't shop, I don't go out to eat, go to movies, etc. But I do have a horse (and that's a non-negotiable thing--established the day I met my husband. He would not/will not ask me to give her up.) And I have my student loan.
With the holidays coming up, I am a little worried that DH will over spend on gifts and leave nothing to cover my monthly expenses. Last year, I paid for all gifts and travel out of my savings. That's gone. I'm kind of tempted to just pull some money out each time DH gets paid and throw it in my own account to make sure there is money available for my bills. Seems kind of underhanded to me. But my husband is the type who sees money in an account and spends it if the mood strikes him--doesn't think about the car payment or the rent. Just thinks "Hey, SD would love that computer" (EX:I found out he bought SD14 a computer for her bday this month when I got an overdraft notice while I was out caring for Gma)
I've never really been in a position where I didn't have my own bases covered. But I can't work right now AND cover the bases he needs during this transition.