Posts Tagged ‘time’

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 Is There an Approved Dating Period before Marriage?

This morning after class with our twins, I was doing some research and discovered this article that is titled, Is One Month Into Dating Too Soon to Get Hitched? Of course as suspected, this article is talking about famous people tying the knot after one month of dating. Then it goes on to share the pros and cons.

I started thinking about is there an approved dating period before marriage? Truly there are some people that get married in a short period of time after dating because they just know they have found their best friend, soul mate that they want to spend the rest of their life with.

Let me share my own example, many many years prior to meeting my husband, I had two serious relationships where one lasted for four years and the other was three years. Neither of those led me to walk down the aisle saying “I Do” and believe me every day of my life, I am truly thankful for that. There was waaaaaay to much drama in each.

But when I met my husband, we only dated for six months and then we were married. We knew after three months of dating that we were supposed to be married. We spent lots of time talking about our pasts, things we did and what we would like to do. I am a very no nonsense type of woman – what you see is what you get. No time for pretending to be someone else.

 Here is what I would have to say if someone is asking to get married after a month of dating or even a few weeks:

1) What is the hurry? Is there some information that you are about to find out that if you are married does not have to be disclosed? Is there some legal trouble they are about to get in and this would permit them to avoid it. 

2) Is their financial gain on the other person’s behalf by doing it sooo fast? You have to be very careful when it comes to a “rushed” marriage when you haven’t known each other for so long.

3)  Sometimes children are involved… enough said.

I am not saying that people should not get married. What I am saying is people should take the time to get to know each other and do not gloss over what could appear to be a “red flag” even while dating before moving on to walking down the aisle.

Marriage is a wonderful lifestyle and should not be entered into on a whim or because it is what everyone is doing. Take the time to date and have fun, it doesn’t stop once you are married to the right person.

                                    marry me graphic

postheadericon Husband Loans Money to Friends without Telling Wife

Let me say right off I know this one is going to be loaded. When the question came in to my email, I thought to myself there are other wives this is happening to or vice versa. So let’s take it one step at a time.

Obviously the wife who wrote in anonymously found out after the fact. First question, how did she find out? Did she discover that money was missing from their joint accout? Or did he say, by the way honey a couple of weeks ago I loaned this friend some money?

I guarantee you the wife that wrote that sent that question in, is more than likely mad because he did it and she did not know about, may not even like the friend the money was loaned to and probably feels she cannot trust her man with their money because he will give it away to whomever he wants without talking with her about it as if she does not have a say so.

Money is a serious subject that cannot be avoided between a husband and wife. Husband and wives do you have an understanding about loaning money to friends, relatives or colleagues? If you do not, this is something that should be discussed beforehand. It will prevent the type of email I received.

When people lose trust in relationships, it is hard to get it back. It takes a lot of work. Then the question becomes did he really loan the money or give the money. Either way it is a serious discussion that must be had in order to prevent what the couple is dealing with right now in their relationship.

This is not saying you should not loan money, but husbands and wives should know what they agree on when it comes to loaning money, to whom and agreeing even on an amount that will not affect their household finances. Be careful, because you do not want to become a personal banker at the risk of your own marriage. It’s not worth the risk.

postheadericon So Many Do Not Discuss Money Before Marriage – Why?

Last night I received this question from a colleague via my facebook page. Yes, I am on facebook as well. This is the exact wording – I still find so many do not discuss money before they get married. Why is that? What are your thoughts? It is such a vital topic that people seem to avoid for one reason or another.

I kept thinking about it last night and decided to write on it today. Money has been labeled that “taboo” topic. However, people are beginning to talk about it because of what has happened with the economy. Most of the ones that are discussing it though are already married. The effect of the economy when it comes to brides and grooms are discussing how to have their dream wedding for less. There are couples that are even going so far as to ask their guests to pay for their wedding. Mind you, some of those couples are getting married for the second time and I have clear views on that, but I digress.

Below are some of the reasons I know people are not talking about money before marriage:

1) Fear – Afraid if they tell their soon to be spouse about their financial mistakes, they will break off the engagement or wedding. Result: Other financial mistakes occur while you are not sharing about the initial ones.

2) Secret – Believe if they can just get beyond the wedding day, then they will be the ones to manage the money and their spouse will not find out. Result: it does eventually come out and can lead to arguments and trust being removed.

3) Caught UP in the Wedding Day – Both the bride and groom are so “caught up” in the wedding day, they do not even think to talk about money. Result: as soon as the honeymoon is over and the other one finds out about their debt, the arguments begin, distrust occurs and much more.

4) Denial – Don’t discuss money because they think they have a handle on everything. Result:  As soon as that unexpected financial expense happens, they don’t know what to do. Usually turn to mom and dad instead of each other.

5) Want to be a statistic – By not discussing money before marriage, couples are choosing to go down the path of potentially becoming a divorce statistic. Getting divorced because of money.

6) Don’t soon to be spouse to they are a shopper. This way they can walk down the aisle and then attempt to curb it initially and then revert back to their trueself.

7) Lack of trust. They do not trust the person when it comes to money based on past baggage with someone else, so they are not even willing to open that door.

Those are some of the reasons people would not discuss money before marriage. I don’t agree with them because at the end of the day, all of them could lead to divorce court.

What do you think?

postheadericon Part 2 – Should Married Christians get divorced because of Money

Last time I left you with the thought of if you were depending on God or your mate when it came to finances. I also said what is causing the divorce is deeper than money. We reference money as one of the top reasons for divorce but as I said before, money in itself cannot do anything.

When couples are arguing about money, they are arguing about 1) its mishandling – overspending and impulse buying which results in not having enough to pay bills or for other necessities; 2) an individual’s value system when it comes to money. Value system meaning your beliefs about how money should be handled, who should handle the money and what takes precedence when it comes to expenditures in the household. Value system is comprised of many factors especially when it comes to money – your environment, what you saw and experienced when you were growing up regarding money, your personal handling of money good and bad. All of these factors form your value system. So when your value system is challenged you react or respond a certain way.

Value system is big – so let me put it into perspective. For example, as a person that was raised by a single parent with little to no access to money, it would be within my value system to be very cautious about money, paying bills and making sure there is some left over. So it would not “feel good” to me to buy on impulse. Now from Married Christians perspective if you know that you are to pay your bills and you spend impulsively on a want versus a need and now you cannot pay your bills – the discussion is happening in a way you might not like.

So Married Christians may be divorcing and utilizing money as the reason but it is not the reason it is their value system being challenged. They have had enough. Money issues affect more than the husband or the wife, it affects their relationship, performance at work, if they have children (them as well), household bills and more.

Before you decide to file for divorce, think things through and be honest. Think about your actions when it comes to money and marriage – 1) What role did you play in this area that you believe has failed and 2) Did you have structure when it came to finances? Begin talking it out with each other to each other about money to see what you can do to make better decisions to sustain the marriage and time invested in each other than versus throwing away this union.

CAUTION: Do not wait until you are in Divorce court to find out about each other’s financial habits.

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 The Brits are hiding Extravagant purchases from Spouses

Being the researcher that I am, I was reviewing different press releases tonight to keep up on things happening in the marriage movement and I found a release titled Almost 2 million Brits Admit to hiding extravagant purchases from their spouse. WHOAAAA.

It says “The Bank’s research found that almost one in five (18.5%) people in debt and in a relationship claim to be hiding the true extent of their debt from their partner or spouse.” This is an international problem – talking about money apparently is not on the top of couples list.

It is time to change that because that is unbelievable. This goes to show that people are not comfortable even in marriage opening up and disclosing their financial challenges. Yet, when most people get married within their vows are included the words For Better or For Worse, For Richer or For Poorer. What does anyone have to gain from all this secrecy? I say nothing. However, you have a lot to LOSE by hiding these truths.

The way I see it, these financial challenges are temporary and once a husband or wife takes control of their finances it can all change. But if they choose to continue the secrets and managing money improperly, more than likely the door will be open for additional financial challenges. I will let you in on a secret – until you begin correcting and talking about the financial mistakes, you are in a vicious cycle of making more mistakes and incurring more financial stress in your life.

Take control of your finances today and do not be controlled by your finances. There is a big difference.

postheadericon Should Married Christians get divorced because of Money? Part 1

I have been asked this question over the last few months and decided that now is just as good a time as any to write it in a post. Why? Let’s face it, we both know that the economy has been taking its toll on people and marriages whether they are believers or non-believers.

So I’m not as many of you know, I am not a sugar coater when it comes to my thoughts. So let’s get right into it because more than likely this is going to be a two part blog because I do not want anyone who needs this answer to be overwhelmed and miss anything.

I said this question to my husband last night sharing with him that I was preparing to write this post. He flat out said, “The vows says For Richer or For Poorer“. I responded, you see.

I pray that you did not marry for money and married because you love the person. Love is a choice and not an emotion. I hope that you understand that money comes and goes. Yes it has many roles in our lives and it is important that you recognize the roles and functions of money in your marriage.

When a Christian man and woman stand before God, the wedding officiant and guests taking their vows, they are entering into a covenant agreement saying we will be together through good, bad and the ugly. For Richer or For Poorer means honey if we have to eat Raamen noodles for a minute then I am here with you or honey if we are eating steak and shrimp I am here with you. Regardless of what is happening with the money, Christian husbands and wives are supposed to be together working it out together. Remember, Ecclesiastes 4:12 says, A threefold cord is not easily broken. I can assure you, the GOD I SERVE is not in the business of breaking up marriages.

Marriage is not a covenant that should be taken lightly but reverently, because if you are like me and my husband, GOD blessed us with each other. We had pastors (that were complete strangers) come up to us in restauraunts even months after we were married saying, when you two are ready to get married, I want to marry you. Then we would hold up our hands and show them we were already married.

Christian marriages ARE to be examples of a GODLY marriage to non-believers. Yet if Christian marriages are doing the same thing that non-believers are doing, where is the difference and where is the example? What does it say in Hebrews 13:4-5 which I want to take from the Amplified Bible, 4 “Let marriage be held in honor (esteemed worthy, precious, of great price, and especially dear) in all things. And thus let the marriage bed be undefiled (kept undishonored); for God will judge and punish the unchaste [all guilty of sexual vice] and adulterous.

Marriages are to be held dear. It is absolutely a blessing to me, to be with the man GOD chose for me. See, I did not have to go out there looking for a mate because I know in MY BIBLE it says HE who findeth a good wife obtains FAVOR in the LORD. It is not my role to go out there and look for a mate. My responsibilty is to have my relationship with GOD right and in order, so that when GOD blessed me with my HUSBAND, I was ready. Alright, I digress that is for another time.

Let’s move on to verse 5 which says, 5 Let your [a]character or moral disposition be free from love of money [including greed, avarice, lust, and craving for earthly possessions] and be satisfied with your present [circumstances and with what you have]; for He [God] [b]Himself has said, I will not in any way fail you nor [c]give you up nor leave you without support. [I will] not, [d][I will] not, [I will] not in any degree leave you helpless nor forsake nor [e]let [you] down ([f]relax My hold on you)! [[g]Assuredly not!]

I want to say Christians have to realize that no you are not supposed to love money but you have to recognize that money is a tool and a weapon. It is a tool that can be used to expand your ability to reach many people for the KINGDOM of GOD. It is also a weapon because it takes money in the world system to hire lawyers if necessary to defend you against a person or a claim. Money in itself is not a negative, it is what people do with and to money that makes it a negative in their life.

So for those married christians, I have to ask you are you depending on God or your mate? I want to leave you with this thought, in my opinion it is not the money that you are fighting about or getting divorced over, I say it is deeper and to find out you have to wait for part 2.

postheadericon Loan a Boyfriend money, Marry and Divorce Court

How many times have you watched divorce court and saw where they started out as boyfriend and girlfriend, she really loved him so when he asked her to borrow some money or co-sign on a loan she did it. They had an agreement that the money would be paid back. Because she loved him sooo much, she decided to marry him even though he did not pay back one dime from the loan.

Maybe that was his intention all along to get money from her and then marry her so she would forget about the loan. Then she decided to stick by her man and married him. The relationship was going along so, so and then he starts coming home later and later. Sometimes it would not be until the next morning. Granted he is not working. So what is he doing?

After seven or eight months, the wife grows tired of this routine and decides to get divorce. I’ve seen the episode on Divorce Court, haven’t you. The first thing she says is he owes me some money. The Judge generally asks if there was anything in writing. Once she hears all of the details, she comments didn’t you see the signs. You do not need to be married to him anyway.

If you are loaning money while you are dating, you need to find out the entire financial picture before you think about marriage. If you find out something you cannot handle or live with, then maybe you should not walk down the aisle.

postheadericon Marriage and Money Movie #27 – Mr. and Mrs. Smith

I must admit when my husband first bought this movie quite some time ago, I would not even watch it. Just looking at the front cover, it did not appeal to me. As I was going through movies on the shelf that I had not watched, I picked it up and read the back cover. Well, lo and behold seems like the kind of movie I would watch. Remember – you shouldn’t judge a book by its cover.

Mr. and Mrs. Smith have been married for five or six years and they go to see a marriage counselor to discuss their marriage. They are describing their marriage on a scale of 1 to 10. Then the counselor asks them how they met and they agree it was five or six years ago in Bogata. He was standing in a bar watching what was happening. The bar tender told him that the police were looking for people traveling alone. They ask him if he was alone and he touches his ear as if to say repeat it. Then she comes running in and they ask her if she is alone. He speaks up and says no she is with me. They walk behind these doors and they introduce themselves. They spend some time together and shortly thereafter they are married. They both work never really disclosing to each other what they do. They leave home at the same time of day and she usually gets home first and prepare dinner. Both upon returning home places their wedding rings back on their finger without the other one knowing. This movie has lies, secrets, division, teamwork and more. You must watch this one to get all of the facts.

Money Implications:

Money can afford couples an opportunity to live a stress free life when the money is managed properly.

Observations:
This was a marriage filled with lies and secrets. Many marriages would not be able to continue once the lies and secrets began coming out. That is what is so interesting about TV – “IT’s TV – not all of it is based on a true story. Same thing with movies. Now you can learn from this, that you should not keep secrets and when you tell one lie, you usually have to keep on telling lies to cover up the truth. That is tooooo much work and unnecessary.

This marriage was built on lies from the start based on the part of the wife. The husband did not become aware until later. Imagine how he felt. If there are secrets you are keeping from your spouse today, I recommend you think about how you are going to Tell the Truth and come clean.

Recommendations:
(1) If you have financial secrets from your spouse, it is time to start revealing the truth. I imagine your goal is not to be alone because you got married. Secrets are one thing that can destroy a marriage.

(2) Do not live a secret life within your marriage. People can always sense when something is wrong and they could turn into a Private Detective until they discover what it is. That could end up costing you money and your marriage.

(3) Teamwork in marriage is important, especially when it comes to financial challenges. Remember you are on the same team, not opposites. Work together for the benefit and growth of the marriage.

(4) Yes you can have different financial backgrounds. If you want to see your marriage grow into financial oneness, establish one mutual financial goal and work on it together. Once you accomplish it together, then work on another.

(5) Do not let your friends (especially single friends) dictate your relationship with your spouse. Remember, Misery loves company.

If you have not seen this movie, purchase your copy below:

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