Money problems in marriage is one of the leading causes of divorce with married couples so you must learn how to manage your finances better for the longevity of your marriage.
Every couple and their families struggle financially during tough economic times like we have experienced in recent years, but these do not have to destroy your marriage if you follow the simple advice we are going to share with you here.
No matter what your circumstances, whether your bills are just now piling up, you already have debts so large that you can never pay, or you are just looking for few new ways to earn more money, our advice can help anyone who is willing to take the right action.
The first thing you need to do is get your life organized and this includes personal finances.
Start by getting all of your savings and checking account information, including your password information, and other important and other useful paperwork in a secure location that you can easily access whenever you need it.
You cannot take money problems in marriage lightly or you could be facing serious marital problems that could have dire circumstances for you and your entire family.
You need to go to work on saving money from all sources.
For instance,if you are a good driver with a clean driving record, you can save quite a bit of money of by choosing a higher deductible on your insurance policy.
If you choose a $1000 deductible, for example, you will pay lower premiums, than if you choose a $500 deductible.
The money you save can start to lower your debt, just be sure to keep your eyes on the road and drive safely.
You don't want to have to pay that higher deductible.
Whether you are a college student or the parent of a college student, you will want to reduce the amount that you spend on books and supplies.
Instead of purchasing looks at the campus bookstore, which is usually at retail price, buy books from upperclassman who can sell you these books at a discount.
You can usually find these students from book exchanges or from notes you can place online or on a bulletin board at school.
This can save you hundreds of dollars per semester.
Money problems in marriage usually begin by not giving up the fun things in your relationship, like going to movies.
Two people going to a movie at a theater could easily spend forty to fifty dollars, if you get popcorn, drinks and candy.
You must find less expensive ways to do the things you enjoy.
Instead of going to the theater to see a movie, rent one.
Like eating out? Why not make a picnic lunch and eat it at the park with your mate.
By finding cheaper ways to do things, you can still enjoy yourself and enhance your marriage without feeling the pinch.
There are so many useful tools online that don't cost anything and you need to use them.
As an example, use an online digital calendar to track your personal finances.
You can make note of when you need to pay bills, do taxes, check your credit score, and many other important financial matters.
The calendar can be set to send you email alerts, in order to remind you of when you need to take action.
Money problems in marriage start when two people come into the marriage with no financial plan.
You and your spouse need to develop a personal household budget that each of you agree on and then stick to it.
It's important that you create a budget for your family so that you know exactly how much each of you can spend on things.
Having a budget will prevent you from spending any money that you don't have.
A great place to save a lot of money is by lowering your monthly grocery bills by dropping the habit of shopping for meals every day after you leave work or school.
This approach makes you more likely to buy costly impulse purchases or making fast food runs.
You need to plan your grocery purchases for an entire week.
In fact, you can save even more money by shopping only once every other week.
To insure that you don't have money problems in marriage, you cannot live beyond your means.
If you are buying clothes, groceries and gasoline using your credit card because you have no money in your checking account, then you are headed for big trouble financially and in your marriage.
You and your spouse must track your money very carefully.
You have to make sure that you spend less money than you earn.
Act quickly or you may build a tower of debt that could crash on you and ruin your marriage.
No matter what sort of financial difficulties you may have had up to this point, the proven and tested advice you just read can help, but you must be committed and disciplined to follow these steps daily.
Dave Ramsey, the Christian financial guru, always says, "you have to live today like no one else, so that you can live tomorrow like no one else.
" Simply put, he is telling us to live a conservative financial lifestyle today and avoid the money problems in marriage that so many experience early in their marriage and save so you can live a much more luxurious lifestyle later in life while so many are struggling.
There is no substitute for knowledge when you are having financial problems.
Once you start putting this advice to work in your own life, you will soon be able to resolve your financial problems.
Every couple and their families struggle financially during tough economic times like we have experienced in recent years, but these do not have to destroy your marriage if you follow the simple advice we are going to share with you here.
No matter what your circumstances, whether your bills are just now piling up, you already have debts so large that you can never pay, or you are just looking for few new ways to earn more money, our advice can help anyone who is willing to take the right action.
The first thing you need to do is get your life organized and this includes personal finances.
Start by getting all of your savings and checking account information, including your password information, and other important and other useful paperwork in a secure location that you can easily access whenever you need it.
You cannot take money problems in marriage lightly or you could be facing serious marital problems that could have dire circumstances for you and your entire family.
You need to go to work on saving money from all sources.
For instance,if you are a good driver with a clean driving record, you can save quite a bit of money of by choosing a higher deductible on your insurance policy.
If you choose a $1000 deductible, for example, you will pay lower premiums, than if you choose a $500 deductible.
The money you save can start to lower your debt, just be sure to keep your eyes on the road and drive safely.
You don't want to have to pay that higher deductible.
Whether you are a college student or the parent of a college student, you will want to reduce the amount that you spend on books and supplies.
Instead of purchasing looks at the campus bookstore, which is usually at retail price, buy books from upperclassman who can sell you these books at a discount.
You can usually find these students from book exchanges or from notes you can place online or on a bulletin board at school.
This can save you hundreds of dollars per semester.
Money problems in marriage usually begin by not giving up the fun things in your relationship, like going to movies.
Two people going to a movie at a theater could easily spend forty to fifty dollars, if you get popcorn, drinks and candy.
You must find less expensive ways to do the things you enjoy.
Instead of going to the theater to see a movie, rent one.
Like eating out? Why not make a picnic lunch and eat it at the park with your mate.
By finding cheaper ways to do things, you can still enjoy yourself and enhance your marriage without feeling the pinch.
There are so many useful tools online that don't cost anything and you need to use them.
As an example, use an online digital calendar to track your personal finances.
You can make note of when you need to pay bills, do taxes, check your credit score, and many other important financial matters.
The calendar can be set to send you email alerts, in order to remind you of when you need to take action.
Money problems in marriage start when two people come into the marriage with no financial plan.
You and your spouse need to develop a personal household budget that each of you agree on and then stick to it.
It's important that you create a budget for your family so that you know exactly how much each of you can spend on things.
Having a budget will prevent you from spending any money that you don't have.
A great place to save a lot of money is by lowering your monthly grocery bills by dropping the habit of shopping for meals every day after you leave work or school.
This approach makes you more likely to buy costly impulse purchases or making fast food runs.
You need to plan your grocery purchases for an entire week.
In fact, you can save even more money by shopping only once every other week.
To insure that you don't have money problems in marriage, you cannot live beyond your means.
If you are buying clothes, groceries and gasoline using your credit card because you have no money in your checking account, then you are headed for big trouble financially and in your marriage.
You and your spouse must track your money very carefully.
You have to make sure that you spend less money than you earn.
Act quickly or you may build a tower of debt that could crash on you and ruin your marriage.
No matter what sort of financial difficulties you may have had up to this point, the proven and tested advice you just read can help, but you must be committed and disciplined to follow these steps daily.
Dave Ramsey, the Christian financial guru, always says, "you have to live today like no one else, so that you can live tomorrow like no one else.
" Simply put, he is telling us to live a conservative financial lifestyle today and avoid the money problems in marriage that so many experience early in their marriage and save so you can live a much more luxurious lifestyle later in life while so many are struggling.
There is no substitute for knowledge when you are having financial problems.
Once you start putting this advice to work in your own life, you will soon be able to resolve your financial problems.
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