Posts Tagged ‘love’

postheadericon Marriage and Caring for Each Other

If you thought that a marriage could succeed on love alone, please rethink. Love is transitory. The mutual attraction or the infatuation that comes in the initial phase of love disappears soon. Then you know the honeymoon is over. Once money issues start, love tends to go out the window. After that what is left is the feeling that he/she is mine and I am his/hers. We have to journey together.

How a marriage changes in character after love disappears? This can occur in many ways. For example, the couple may begin regretting the marriage after the finishing of initial love phase. Or the couple may continue together as a sense of duty with each other and begin making a life together without passionate love. That needs caring for each other.

If you look back and think of marriages few decades back, most of the couples cared for each other. They called it love. It was essentially caring. A mother cares for her children because they are her responsibility and they belong to her. Similarly, partners care for each other because they got married. This kind of thought process can take the marriage last forever. The different thought processes of I want my freedom. I made a mistake. I am not happy with you. I must search for somebody better and so on leads to break-up. This thought process is I centered, where as the earlier one I described was care centered. You are mine and I must care for you.

We have to learn to respect human beings. We have to set aside our selfish desires for some time. We have to think about destruction that takes place by frequent marriage and divorce. Developing the thought of care for each other can surely help in making a marriage last longer.

postheadericon Engaged Already and Fiance’ is Upset About My Finances

I’m a bride to be and my fiancé is upset with my finances already. I chose to share with him my mistakes because I didn’t want to keep any secrets for him. See I know money is one of the top causes for divorce and didn’t want to walk down the aisle carrying this secret. Yet because he is upset, I am not sure how to proceed from here. Was I wrong in telling him? Who is he to judge me? In love and confused about sharing my financial history.

I remember being a bride to be and in love with me fiancé and knowing the financial mistakes I made prior to our even dating and hadn’t disclosed it yet. Choosing to return to school and quitting my job because I felt it was stifling me but not having a game plan in place for other employment that would have been conducive to my going to school in the day time and coming to work on either second or third shift. Once I quit the job and had no income, this led to not being able to pay my bills which included my rent and within so many days of being late, getting a notice on my door to get caught up or face eviction.

There I was not sharing with family members what was going on because I knew that I was supposed to be back in school. Then as I was in the process of being evicted, I shared it with my then boyfriend who later would become my fiancé and eventually my husband. I explained to him my reasons for my choices and he understood.

When a fiancé is upset about your finances, the first thing you need to do is talk to them and find out why they are upset? The reasons could vary such as:

1) Might not have wanted to enter into marriage with a lot of debt on the part of either spouse.

2) Does not understand why you made the choices you made because you have not gone into detail and shared in a manner they could understand. It does not mean they will agree with the choice; however if they can have some insight into why you did what you did then this could shed some light on who you are when it comes to finances.

3) Does not like the mistakes you made and has seen some of those same patterns since you have been engaged and is leary about getting married.

Talk with your fiancé and find out why he is upset. Do not for one second regret that you shared about your finances. The question is will be able to handle it and the two of you can move on together? What you are getting right now is a glimpse into how he will handle financial issues that will present during marriage. Will he be able to handle it or is he going to walk away because it is too much for him. You are finding out during the engagement what will happen during marriage. People do not change for the most part when it comes to handling challenges.

I commend you for being honest and transparent about the choices you made with your fiancé. You CHOSE not to hide it from him so the two of you could learn from them and grow together as you prepare to walk down the aisle and get married. No one is perfect and mistakes will be made. The importance is to learn from them and not repeat them.

If you and your fiancé would like to premarital financial counseling that you can complete in the privacy and comfort of your own home, I encourage you to go to this page: http://www.moneytalkmatters.com/

Recommended Reading:

Benefits of Premarital Financial Counseling
http://www.moneytalkmatters.com/2009/12/01/benefit-of-premarital-financial-counseling/

Dealing with Financial Issues can Save your Relationship
http://www.moneytalkmatters.com/2009/07/19/dealing-with-money-issues-up-front-can-save-your-relationship/

postheadericon Loaning money to a Girlfriend

Have you not seen any of the court tv shows such as Judge Hatchett, Judge Joe Brown or even Judge Mathis – this statement is like an episode that I have even seen over and over.

Boy dates girl, they believe they are in love. He loans her money after dating for about six weeks. She begins paying him back after the loan. She pays a minimal amount two times and then she breaks up with him. They do not have anything in writing and before you know it, they end up on Judge Mathis or Judge Joe Brown.

Listen, when you are in the dating stage this is also the perfect time to watch how someone manages their money. If you are dating someone and they ask you for a loan, do not feel obligated to loan them the money. It is not your responsibility.

Watch the signs:

(1) Being asked to loan money without anything in writing.

(2) Asking you for a loan in the first place.

(3) Mismanaging funds. Spending money loaned on extras versus paying off bills.

(4) Asking you to pay a bill for them while you are in the dating stage.

(5) Asking you to help a relative financially.

When you are only dating, watch what is happening with their money. How they spend, if they are working and more. This is not to be taken lightly. So take heed and choose your relationships carefully.

postheadericon Interracial Couple in Louisiana Denied Marriage License

Today there was no way that I was going to let this topic pass and not write. My brother sent me this story, I saw it on twitter and all over various sites – Interracial couple in Louisiana denied a Marriage License by a Justice of the Peace in Tangipahoa Parish. My initial thought was UNBELIEVABLE – here it is 2009 and it is still happening. Then I had to stop and say wait a minute – I am from Louisiana, in an interracial marriage and I KNOW FIRSTHAND that the same mindset this Justice of the Peace has exists not only in Louisiana but in many states. The sad thing is that this Justice of the Peace used his personal bias when it came to his position and that is not right.

LOVE does not know ethnicity boundaries – people make those boundaries for whatever reason. This JOP saying that interracial marriages don’t last and his concern for the kids literally made me ill. My husband and I have been very happily married for 13 years and have beautiful twins. Last time I checked, racism is racism whether you are biracial or not. I’ve experienced racism just because of my skin color when shopping ALONE and I have not lived in Louisiana in years.

We have President Obama and yes that united a lot of people. BUT, we still have a long way to go. Weigh in! What are your thoughts on this issue.

postheadericon Response to Money and Marriage Solo Effort

Based on the response and questions that came in after the post Money and Marriage as a Solo Effort, I thought it was best to take each question one by one and address them in a post. Take the time to read the original post about Money and Marriage as a Solo Effort if you do not understand the response.

Question 1: 

What about marriages where the husband dumps all financial responsibility on his wife (including making all income) and is quite happy living in his own little world, pottering about, working occasionally at a “fun”, low stress, low pay, part-time job, oblivious to bills and all other responsibilities? Disappears upstairs to play computer games when he comes home. Doesn’t want to know about finances, doesn’t care. I’d love to know if anyone has found a solution to this relationship/finances issue.

Answer:  Dear MF: Let me ask you this question, did the marriage start out this way where the finances were dumped on the wife and the husband had withdrawn into his own world? I imagine you are going to tell me no. If you say no it did not start out that way then answer these questions:

1) What happened for this behavior to become the norm?

2) What was the wife’s role in accepting this new behavior because there came a certain time in the relationship when she deemed this was okay and it has continued. However, now she is not happy with it.

3) Has the wife sat down and tried to talk about finances with her husband in a manner that was more of informative versus panic or frustration? Finances are a part of life. Is he not concerned with eating, living, driving to work, etc.

It is not all the husband’s fault. I am not condoning the behavior – focus on what I am saying.  The wife needs to look at her role in what is happening in their household. Both have some responsibility for what is happening in the marriage right now. Whether or not both of take control for the benefit of the marriage will be up to you and the husband. Do not be so quick to point the figure and say it is your fault. You had a role and still do in what is happening in your home. What’s your next move?

postheadericon Guy I Love has Debt from a Prior Marriage and Wedding

I must admit when I saw this, my heart almost sank because it saddened me and gave me cause for concern. Why? Women all over the world think they are in love with men like this and there is a lot to think about before getting even more serious. I imagine this person already knows the answer to the question: Do I continue the relationship?

The first thing that I want this writer to know is this, you cannot ignore those red flags that are coming up in your spirit. Let’s be honest. You are already questioning whether or not you should continue this relationship for several reasons:

1) The man has debt from a prior marriage and a wedding which are two separate items. Sure the wedding debt is part of it but he has other debt. Yes, I heard that and read it without your saying it.  So you are already concerned that if the two of you get serious that he will not ever have any money.

2) Sure you love him and thinks he feels the same way, but is it enough? Well, more than likely if this has not alreadyhappened, you will end up paying for the majority of your dates or extra expenditures even before you get married if the relationship were to go that far.

3) I sense that you could easily become resentful if you are the only one that is coming to the table with money. The question is if he has all this debt, is he working and what is his game plan to pay off the debt? Before you heavily consider getting married, you need to ensure that he has a realistic financial plan for cleaning up this debt (I recommend) prior to entering into another marriage.  The idea of him entering into another marriage with debt from a previous wedding sounds like toooo much pressure on a new marriage.

** Reason I say pressure is because when you think the money should be applied towards the new household (which you and he have), that money could be going towards his previous household.

4) What are the red flags saying to you? I imagine you are also not comfortable discussing this with anyone because you know what they would say. Be true to yourself. There is no reason to pretend because that only lasts so long. Furthermore, that could end up costing you more in the long run.

Ladies, before you go any further evaluate everything – your debt and his debt. What is his plan for paying off the debt which should not involve you? What is your financial plan for yourself. Money is very important and when you have a situation like this, do not avoid the discussion by any means.

postheadericon What?? Does Marriage Make You Poorer?

I tell you what people need to stop coming up with these insane notions when it comes to marriage. I was doing my morning research before having class with the twins and came across this article – Does Marriage Make You Poorer? If you have been reading my blog for quite a while, you already know that I am not about the nonsense that continues to be spewed out when it comes to marriage, let alone Money and Marriage.

Let’s face it, marriage does not make you poorer. Furthermore, money does not do anything by itself. How people chooes to handle or mishandle money is what makes them richer or poorer. Then how their character changes because of money or a lack of money is what causes other situations in their lives and marriages.

If a husband and wife, discuss money openly on a regular basis, with mutual financial goals in mind, then their money and marriage is what they make. People need to understand money is not the only way that they can be rich, because there are a lot of MISERABLE rich people. Richness happens when there is a family that loves each other, enjoy spending time together and living life. Sure they could have financial challenges, but they discuss them and solve them together. One does not choose to throw in the towel because it is not a perfect world when it comes to finances.

Your money in marriage is what you make it. Do not let society dictate what your money in marriage is supposed to be today. Do not surround yourself with people that are jealous of your marriage and are telling you things to bring you into their world of misery. Take a stand for your marriage today like you never have before. Begin talking and making mutual financial goals in the present. It is a new chance to make better financial decisions.

postheadericon Sad it comes to this – Loving Couples Divorce to stay afloat

Awwww this saddens me to read a story such as this, Loving Couple Divorces to Stay Afloat Financially. They are experiencing money trouble after health trouble. I tell you people are having to really get creative and I don’t think it should have to be this way.

You have to read this story, the wife shares they are literally living week to week. I wondered if this would be an issue if she took her vows seriously. When I read down further, she does have some concern. I have to applaud this couple for doing what they need to do. Yes it is unconventional, however it is time to not box yourself in. Whew! Really saddens me.

postheadericon For Better or Worse, For Richer or For Poorer becomes Reality

We have all heard that said in vows during many weddings that we have attended and some of you may have even said yourself. Bride takes the groom “For better of for worse, for richer or for poorer”. Those words are often said without any thought of that become the life of Mr. and Mrs. Wed.

Then when times get tough due to financial choices made, one party of the marriage wants to divorce because of finances. Listen, we have all heard the statistics that money is one of the top three reasons for divorce. I ask you, what happened to For Richer or For Poorer and For Better or For Worse? Did they not mean or did not give any thought to life happens? Sure, Life happens and situations happen but you are the one in control. It does not necessarily matter what the situation is but HOW YOU HANDLE the situation and come THROUGH it.

Let’s say for example a spouse loses a job and now the budget gets a little tighter, well that is okay. Couples must learn to work together and not treat each other as enemies. That husband or wife did not get up this morning and say I am going to go to work and do everything I can to lose my job. There are times it is not even their fault. Jobs have been cut due to the economy and for some companies hours have been reduced in order to sustain some companies. Either way, it was not your husband or wife’s choice that this happen at their place of employment.

A situation has presented regarding employment and what are the options you have in order to keep your household functioning accordingly? Get creative – be an optimist and not a complainer about your situation. Complaining has never solved anything and there have been times when complaining makes the situation worse. If your goal is to make the situation worse, then go ahead and complain. If your goal is to make it better, then start by changing the words that are coming out of your mouth. Become solution oriented and not a victim of what happened.

I would imagine even with financial challenges, deep down you still love the person. So financial challenges does not change that. Do not make decisions based on emotions. When you said your vows – you chose to say ” I Do” because you love the person. Love is a choice and not an emotion. Begin taking your vows seriously and talk with your spouse today.

postheadericon Marriage and Money Movie #30 – Madea’s Family Reunion

You are in for a treat on this one. This is number 30 and will not be the last by a long shot. Tyler Perry’s Madea Family Reunion has it all. Get ready to read an insightful review hopefully without giving tooo much of this movie away.

Madea is quite the character, she deals with a runaway child in her care and also her nieces that have difficulty with love. I want to focus on the neices who are the daughters of Victoria (played by Lynn Whitfield) that clearly is all about the money. She practically is marrying her Lisa, the youngest daughter off to Carlos (played by Blair Underwood). Unbeknownst to Victoria, Carlos has been beating on the Lisa since their engagement. The Lisa shares with Vanessa, her older sister that she is being beat on and they consult Madea for guidance.

Vanessa is single and has two kids and does not think she is worthy of love after all she has been through. Vanessa reveals a family secret to her mother and Lisa hears this for the first time. The mother thinks about herself first even when this dark secret is revealed. To find out if the wedding happened between Carlos and Lisa, you will have to purchase the movie and watch it for yourself. There are many turns and twist that you might not expect. I will give you a hint – Wedding Bells do happen but who gets married? Two thumbs up.

Money Implications:

Money does not guarantee happiness. A person that has money does not make them better than anyone else either. Some of the wealthiest people are the unhappiest.

Money Tip #1: Be content with what you have and manage it properly.

Money Tip #2: Appreciate the one you love for who they are and encourage them in whatever they choose to do. It affects the bottom line.

Money Tip #3: Do not marry for money, especially when there is domestic abuse involved.

Observations:

The mother in this movie, Victoria was all about the money from the very beginning. She was this way with her own marriage and was continuing the cycle for the youngest daughter. Fortunately Vanessa, the older sister sticks up for Lisa and talks with Madea about how to handle it. She tells them not to run but to handle their business with instructions.

Vanessa had trouble trusting men but starts to fall in love with the Bus Driver, Frankie. What happens with Vanessa and the Bus Driver is a tear jerker.

Recommendations

(1) Your past may have some difficult things to overcome, including when it comes to finances however you must not let that stop you from living life.

(2) Learn from your financial mistakes, move on and do not make the same mistakes today or in the future.

(3) Do not be afraid to speak up if you are in a relationship and domestic violence is taking place. This is not someone you want to marry and you need to get out.

(4) Do not get caught in a situation of your parents attempting to live their lives out through you by them dictating what you should do with your life as far as career and marriage. This is a costly mistake.

(5) Having a low self-esteem does not warrant that you should be treated any kind of way. Gain your self-confidence back and know that you deserve better. Having a low self-esteem not only affects your choice in a mate, affects your employment and parenting.

(6) Trust is crucial in a marriage and when it comes to money. This is not something you can fake. If you do not have trust in a marriage, then you do not have anything. Make sure you trust your spouse when it comes to money and marriage.

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