Hi all, Thanks for the reply to my previous posts. All ur suggestions were very helpful One more Q. I am working now but may discontinue later if situation demands. My husband is a person who stresses on savings and does not like to spend much. We now save together for our future in a common savings. Right now I cater my personal needs from my money and he never questions me about that. I want to save money for my future needs also because I dont want to ask money from my husband when I am not working. My husband is quite supportive by nature but I feel delicate to depend on him for my personal needs since I have been independant till this time. My problem is he is getting hurt if I speak of saving for my future needs seperately. He asks me how long would I be able to go with that savings and anyway I have to depend on him sometime. What he says is true but I dont feel anything wrng in this. Basically I dont want to pester him for small things in future. And since my husband does not like spending much I am sure of getting hurt in future if he questions me when i ask him money. This reason I cannot tell him since he will get more offended. Am I right or wrong?..If i am right how can I convince him without offending him?:icon_frown: Thanks, Sadhana.