LOVE: DOES IT REALLY HURT POCKETS

LOVE: DOES IT REALLY HURT POCKETS You love your spouse the way she wants to “talk about the relationship” as you are about to fall asleep. The way he clips his toe nails while he is watching football. But sometimes when it comes to money-love really hurts. Your beloved might have a thirst for the finer things in life and ignore your carefully designed budget. A spend thrift spouse might be cavalier with credit cards or shove bills unopened into a drawer. Before you know it, your pristine credit record is history and you are borrowing to get out the red. “It’d very, very difficult to change your life style and change how you look at the world”, said a certified financial planner. “It’s so awful you can’t force people to be different from what they are” Regardless of who is the “accumulator” and who is the “spender” once a couple is married, each is responsible for the others debts. You will share the good times and the bad times, and the collection agencies won’t care that you were never late on a payment before you walked down the aisle. Some warning signs that a spouse is out of control with money include: chronic late payments on bills; using credit cards to pay for routing expenses, like groceries; leaving bills unopened, as if he or she doesn’t want to face the problem, being secretive about bills; using one credit card to pay for another credit cards or taking out lines of card. The most important ground rule is to communicate with your spouse and make sure you respect each other’s point of view. One of the most important things is to understand your common goals. Sometimes, it’s enough to sit down with your spouse and see where the money is going dearest heart recalled a case where the husband was the “accumulator” and the wife was the “spender” she was buying a lot of fancy clothes for the kids. The husband showed her how much she spent on clothes in six months and “it was like a light bulb went on when she saw where the money is going”. It’s also important to recognize that your spouse isn’t evil. He or she isn’t out to ruin your financial stability. Likewise your spouse isn’t a dunderhead. The problem is most likely you’re your beloved hasn’t leaned good money skills. Most folks who have difficulty with money are giving it all they can. Very few people had their parents sit down and teach them how to run money . Another option is to have duplicate statement sent your office so you can monitor what is going on. Separate bank accounts with also give you more over your dollars. Dearest heart recalled a case where a couple was spending way beyond their means. There was always a “but” to explain the expanse. “But we needed to replace the tile in the bathroom “But I needed a new suit for a job interview. But if they continued to overspend they would be in a “deeper” darker hole” And sure enough that’s where wound up.



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