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Posts Tagged ‘couples’

postheadericon Marriage Quotes That Help You Weather A Storm

“For two people in a marriage to live together day after day is unquestionably the one miracle the Vatican has overlooked.” This observation was made my Bill Cosby and perhaps speaks more truth than humor.

Marriages come and go every day. Marriages that are happy and love filled are hard to find and even more difficult to maintain. Those who are married know it takes a constant effort to remain together and exhibit a union of love and happiness. Couples employ diverse ways to strengthen their marriage and live together in harmony.

Some find solace and strength in meaningful quotes about marriage and love. Wisdom of a wise person who has the ability to express in words how you feel can bring support and the desire to move through another day. When the day has gone bad and you feel no one understands you, particularly your spouse, evocative quotes can renew your enthusiasm and rekindle a love that’s grown cold.

Ogden Nash had good advice saying, “To keep your marriage brimming with love in the loving cup, whenever you’re wrong admit it, whenever you’re right shut up.” The winner of any argument is more often than not the first one who admits wrong and takes the blame. A wise spouse holds their tongue even though they may be right and never says I told you so.

You may be feeling like Katharine Hepburn when she said, “If you want to sacrifice the admiration of many men for the criticism of one, go ahead, get married.” This feeling often fills young couples soon after the wedding. They regret what they did and doubt marriage is for them. It was fun dating and now they’re tied to one person for the rest of their life.

If this thought has crossed your mind, remember what Pearl S. Buck said. She said, “The person who tries to live alone will not succeed as a human being. His heart withers if it does not answer another heart. His mind shrinks away if he hears only the echoes of his own thoughts and finds no other inspiration.”

Dick Gregory may have found a reason for the feeling of doing wrong when he said, “Political promises are much like marriage vows. They are made at the beginning of the relationship between candidate and voter, but quickly forgotten.” Perhaps it’s time to renew your marriage vows and pledge your love again for one another.

No doubt you’ve heard the best advice for marriage quoted many times at weddings which is taken from the Bible in First Corinthians 13. Love is patient, love is kind. It does not envy, it does not boast, it is not proud, it is not rude, it is not self seeking. It is not easily angered, it keeps no record of wrong. Love does not delight in evil, but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres. Love never fails.

And as your marriage matures, whisper to your spouse the words of Robert Browning: “Grow old along with me. The best is yet to be. The last of life for which the first was made.”

postheadericon Turning the Page for Money and Marriage

Its 2011 and there are many that recently became engaged over Christmas Eve, Christmas Day and even New Year’s Eve and New Year’s Day. You are beginning a new page in your lives when it comes to money and marriage.

Sure within the next few weeks to days you will begin planning your wedding and there will be thoughts of a wedding budget. Let me encourage you to also think about money in this regard – your individual financial behavior as a bride-to-be or groom. Are you ready or prepared to begin managing money for two people knowing that whatever you do could affect your future spouse’s credit report?

Money is and has always been a part of marriage. This is not a topic that should be avoided now only to later become a point of contention. Money in and of itself cannot do anything. Truthfully, it is how people handle money that causes stress, strife, decrease in job performance, division in families and much more.

For those of you reading this that are engaged (whether newly engaged or have been for some time), time to write the vision when it comes to your money and marriage and make it plain. If you seek premarital financial counseling, I encourage you to do two things:

1) Sign up for the Bride Groom Money Talk Tips to the left of this page.

2) Go to Brides tab and register for premarital financial counseling today. Don’t set your marriage up for failure by not having a plan when it comes to your money and marriage.

Do not get caught going into your marriage without having a financial plan for your marriage. Think about it, no one goes on a road trip without having a map – you do not plan a wedding without having some direction and without doing your research to make sure it happens the way you want it.

Same thing should be true with your money and marriage. You should not leave it to chance that once you are married it will be what it is going to be. Have direction, vision and goals for you marital finances even before you say I Do. It is a choice between marital financial success or marital financial stress and strain. You decide!

postheadericon Ready for the Wedding, yet…

This morning on The View, Whoopi said I love the Wedding day, its the day after I have the problem with. That has been in my head all day because I believe there are many that fall into this category.

How many brides should we say are sooo excited about their wedding day and then when they return from the honeymoon its post-nuptial withdrawals? Planning their wedding, meeting with the wedding planner, caterers and such was fun and busy. Once they return from the honeymoon… its quiet.

I think so many are focused on the wedding, yet they forget to plan, prepare and prevent unnecessary issues when it comes to marriage. Plan how you want your marriage to unfold, prepare for merging money in order to prevent blowups regarding financial stress. Of course there is more to it than that, yet that is a place to start especially since there are a lot of financial challenges that can arise in the first year that really tear a marriage apart.

When newlyweds start out with marital debt, it makes it very hard to nurture and enjoy the relationship instead of arguing about the money and pointing the finger which more than likely will happen.

To prevent wedding day blues, talk with your soon to be spouse about what you want your marriage to look like, how you want the finances handled and what are mutual steps you can agree to take in order to prevent stress on the marriage.

postheadericon Engagement broke off, where’s my ring?

I tell you I am such a Court TV junkie and tonight I came across this particular episode that lines up with the previous post about being broke and one future spouse doing everything. Take a look at this:

Problems with this couple:

1) Lack of Communication and Limited Communication

2) Arguing in front of the child

3) She continuously took this gentleman to court. I must admit when it gets to those levels, you do not need to get married.

At the end of the day, this woman does not even remember this person proposing to her. He wants the ring back and stuff that he left. I tell you what I was thinking when I watched this when she walked in she was twisting this ring on her finger. I could not help but wonder if that was the alleged ring. She told the Judge it wasn’t… I still remain somewhat suspicious.

Brides-to-be and grooms-to-be it should not be that hard. If anyone has to get physically abused walk away. That’s not the person for you.

postheadericon Broke in Engagement Phase and SICK of IT

There are many brides-to-be and grooms-to-be that are dealing with one of their future spouses being broke and they are shouldering all the bills during the engagement phase and they are sick of it. It is not only because they are shouldering all the bills, furthermore, they are the one taking care of keeping the house clean, cooking dinner and more. Incidentally, this is beginning to wear on the one that is bringing in the income.

Newsflash – If this is what is happening when you are engaged and you are not expressing your concerns and talking about it, the same will occur once you are married. Notice I said if you are not expressing your concerns – not arguing, calling each other names, walking out and leaving things unresolved. None of those behaviors solve financial shortcomings. Let’s break it down.

When you are engaged and only one of you are bringing in the income – yes initially it seems okay but it will wear off in a short matter of time. Here is what you look at: 1) Does your future spouse have the initiative to change jobs or get a job if he or she is not working; 2) Do they also have bills and you are paying his or her bills in addition to yours and are you able to do it without falling behind on your bills; 3) It sends a message when he or she is not paying her bills during the engagement phase because what will they do when an emergency or situation happens once you are married?

Let’s take it here, what would your parents say if they knew your future spouse was not paying his or her bills and you were paying everything? If you won’t tell them, what keeps you from telling them and why? My purpose here is to show you this could be a red flag because people do not change once they get married. As a matter of fact, after a period of time they get comfortable and what you put up with for a certain period of time becomes acceptable and they do not expect they should change.

You can be sick of shouldering all the bills and are you going to TALK about it? What is it that you want to see happen in your finances while you are engaged and then let’s talk about once you are married. Because normally what happens while you are engaged gets carried over into the marriage. Set the right foundation now for financial and marital happiness not discord.

postheadericon Should parents give married children money?

This is a “hot topic” that I continue to see needs answering. Should parents give married “GROWN” children money. Let me say upfront there are a lot of different factors and I am going to discuss them right here. Because LIFE happens and the answer can vary. Take the time to read this and decide what applies to you or what will you do when your children are grown and married.

First situation: I think it is acceptable for parents to give grown married children money if they are in an emergent situation. It was unexpected, they are not bad money managers but an unexpected sitation has happened. Also as long as the husband and wife, both know the parents gave the money. This does happen and can happen.

Second situation: Parents are loaning their adult child money without the spouse knowing it. This is primarily when the spouse is complaining to parents about their spouse. So the parents are almost taking sides and encouraging separation in money and marriage by their actions. Do not even pretend it does not happen because it does. Parents do not insert yourself in the middle of a husband and wife financial issues. They have to learn how to talk with each other (not argue) and work out their differences. You are not in their home 24/7 and are getting one side of the story.

Third situation: Grown married children are taking advantage of their parents because they know they can. There are probably a husband and wife that are bad money managers based on their own background, then they run to mom and dad to bail them out of their financial troubles because they know they can without any remorse. This in itself makes for debt situations that can tear the marriage apart. What can also end up happening in this situation is that one set of parents become a bank and the other set of parents are almost ignored because they do not open up their wallets. Either way, all of this scenario is bad.

Caution for parents: When brides and grooms get married initially, they need to learn how to rely on each other. Not run to you to bail them out at the first sign of financial stress.

Brides and grooms: Do not go to your parents and speak negatively about yout spouse and money. Once you paint a picture of negative and uncooperation, it is hard to change it back.

postheadericon Sidetaker.com the latest resource for Couples

Very rarely am I up in the morning to watch the early morning talk shows. However, this morning I was up watching GMA and saw a story about this new website that is an alternative for couples that have disputes. So you do not have to go to People’s Court or even before Judge Mathis (which is one of my favorites). This guy created Sidetaker.com where couples can post their disputes and let people decide how they should handle a situation.

I can readily see why people gravitate to such a site as this because there will always be people that want to give advice. Many people seek the advice of others even when they know what to do. Then there is that group that will continue telling their situation to people until they hear what they want to hear. My favorites are the ones that ask you for your advice and then do the opposite of what you suggest. I am sure many of you can relate to that.

What do you think of Sidetaker.com?

postheadericon Wives, Money and Marriage

Since it has been a few days since I posted, I thought today I would write on wives, money and marriage not only because I am a wife, but also because money could mean different things to women. Money in marriage can also present different issues for women. For this reason I am going to share about an experience that I had early in our marriage as a wife.

I remember coming into our marriage with debt, not having a bank account and had not started working. I mean this was within the first month or two of our being married. My husband would get up and go to work, I was finishing school and then would come home in the afternoon and work on his education consulting business.  I began dreaming he was in an accident and I did not have access to any money. I was not on any of his accounts. The bank he had an account at refused to put me on his account because of my own bad debt. We didn’t necessarily have a problem with that. My focus was at that time though was if anything happened to him, I was up the creek. This dream occurred over and over again for about a week to two weeks.

Probably in that second week, there was a particular day when he came home from work and I could not take it anymore. We were best friends and I knew that I could tell him what was happening and we would come up with a solution. So I shared with him, how this dream had been literally haunting me and upsetting me that if something happened to him, I’d pretty much be in the cold. Mind you it was just the two of us, no kids at this point. He said, Babe I am so sorry you have been having a dream like that. Come on let’s go open us an account right now.

So we went to the bank where his business account was and opened a joint account that I could have access to. If I needed something during the day or whatever, then I could go to the bank and get the money I needed to take care of business. Let me preface this, he knew that I was not a shopper and would not spend because I had access.

Lessons you can learn: 

(1) If one of you has bad credit and no bank account, the spouse should make sure the one without finances has access to money to take care of the household or some money for them.

(2) Do not hold back your thoughts or dreams when it comes to money and marriage. That dream was upsetting me and I am sure affecting other thoughts and decisions. Once I shared it and we handled it together, I never had the dream again.

(3) Trust is crucial in marriage, especially when it comes to money. It is imperative that you know your husband or wife when it comes to money. If I had been a different person sure I could have shopped it up as soon as he gave me access to his account. However, he already knew I was not that type of woman.

Wives, I understand we have our own issues when it comes to money and marriage. What would you have done if this was you? Weigh in!

postheadericon What Grade is your Money and Marriage?

Iknow reading that title many of you are already thinking of what grade you are. I want you to read this post and be honest with yourself. Only you know what your money and marriage is about. Take the time to read through and be determined this day to make a change.

Grade  A -  You and your spouse openly and honestly communicate about money in marriage weekly if not several times a week. You have mutual financial goals set and are accomplishing those goals. No one person is bearing the financial burden. You and your spouse have dealt with financial challenges and survived them together without letting the stress of the financial challenges change who you are. You have learned that your love can conquer all and you work together as a team not as opponents. There is no pointing the finger in this grade, each accepts responsibility for financial mistakes and move on to solutions. Husbands and wives in this category have discovered what works best for them joint account or separate account or a combination of both. Have taken financial classes and also helped other couples.

Grade B – You and your spouse communicate about money about twice a month. One person is managing the money and makes sure the other one is knowledgeable about the finances. The person managing the money is bearing the burden of knowing immediately about the finances and tends to stress about it before talking with the other. There have been times when the money manager has been overwhelmed with the financial challenges and managed to get it resolved without including the spouse. When the money manager is overwhelmed it is evident that the personality changes which adds more stress to the marriage. Once it is resolved, returned to natural self. Will get financial help if they feel it is necessary.

Grade C -  You and your spouse are not communicating about money until an unexpected emergency happens. Then you go into panic mode and operate out of desperation. Once the emergency is solved, you return to the same behavior of not talking about money. The person that is managing the money, pays some bills and not others hoping that the spouse does not find out. There are no mutual financial goals. One person begins to feel as if there needs are not being met due to a lack of finances. Want to get help but think you cannot afford it and that leads to more financial mistakes.

Grade D -   You and your spouse found out that one of you came into the marriage with existing debt and doesn’t like it one bit. Furthermore, that person is a shopper. The silent treatment has set in because emotions have taken over because they had a different expectation for their marriage relationship than what is actually happening. The spouse without debt is not even sure if they are going to stay. Every day they think about it while at work and dread coming home because it makes them mad. This spouse without the debt is being driven by emotions and does not even want to look at what could be a solution. This makes the marriage very stressful and could also lead to health problems.  There are thoughts of getting out of debt but embarrassment stops you.

Grade F – There is no communication on any level about money. There is no joint account  – everything is separate. Both parties place the blame on each other which leads to no resolution. They keep ending up in the vicious cycle of debt. All they see is continuous debt and say to themselves why bother, not sure if this marriage is going to last anyway. Husband and wife came to the marriage with financial baggage and things are unraveling in a fast past. While the money issues are unraveling, the husband and wife are growing father and father apart. This couple is not thinking about money and marriage issues in any way, shape or form.

This post was designed to make you evaluate your money and marriage relationship. Are you talking enough? If you would like counseling or want the financial education program I created, send me an email via drtaffy@moneytalkmatters.com .

Copyright ©2009 – Dr. Taffy Wagner – Permission granted to use and reproduce with proper citation.

postheadericon Saying “I Do” without a Financial Plan leads to Financial Rollercoaster

Are you reading this and are a bride to be or even a groom? Do you have a financial plan before you say “I Do”? The plan cannot be don’t discuss it and it will all go away. Hmmm, I wonder how many people who thought that prior to getting married are no longer married. I bet you could find some, maybe even close friends, family members or even co-workers. They may not say anything to you beforehand, but afterwards – you will get more advice than you need.

Yes, I understand completely that it is hard to talk about money. But is it harder to lose the love of your life because of financial issues that smothered the marriage to where you could no longer talk to each other? Or is it harder to be faced with losing your home because you did not speak up and get financial guidance to stop the vicious cycle of debt you were in because of a lack of knowledge? Could you literally be one phone call or email away from an answer that could turn your life around or finances around but you will not know because you are embarrassed to share that you have made financial mistakes?

At the end of the day, you are making a choice about your finances, marriage and your future. What do you want to see happen for your money and marriage? How does it happen? I can assure you, embarrassment and not taking action only causes you to remain the way you are.

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