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Whatever is left over is how much you can actually afford to spend every month on night's out and frivolous purchases.

Let's throw in an extra a month for congratulatory flowers or you-had-a-bad-day cupcakes and you're looking at an extra 0 (and still looking cheap). I haven't even started on lift tickets, winery tours, or that helicopter ride over the Grand Canyon she's always dreamed about. If your budget can't handle going out two or three nights a week, tell her. Nine times out of ten, she's going to respect your willpower and how responsible you are with money. Now, factor in your bills and regular expenses (rent, cable, car insurance, etc) along with any debt repayment you're currently tackling.

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