It's easy to forget that we are all perfect in our own design. Sometimes we muck it up with habits and choices that do not serve us. 

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Relationships: Money Issues

Relationships: Money Issues Relationships: Money Issues

A money issue doesn’t just mean having none. It can mean that one of you makes a lot and one makes none or a little, unbalancing the ‘power’ in a relationship. When you were dating did you both try to pay equally for things? After you moved in together did financial responsibility shift to one person alone? Did things move from balance to imbalance? Did you talk about it or just let it happen because it was uncomfortable?

 

Are you living within your means or way beyond them? Address this. This is one of the biggest problems couples face - And they usually don’t want to talk about it. Does one of you like to have lots of savings, college funds for the kids and insurance policies and the other simply likes to have things when they want them regardless of cost? This has to become balanced. It’s not a fight of one being responsible and one irresponsible. It’s different personalities; one may be fearful and label it responsible. One may be free and fun and label it irresponsible. Don’t label it. Talk about balance.

 

Show each other the real financial situation. Maybe you have separate credit cards with balances the other partner knows nothing about. Maybe there’s a secret debt. Maybe there’s a secret habit. Talk about it or honesty will be compromised and the relationship will be undermined.

 

Many people hate budgets. They hate keeping them current and writing things down. They really don’t like the idea that they might have to give up that $4 latte every morning that adds $120 a month to the budget. Give each other some money each month to spend however that person wants, without judgment.

 

Set your goals; college for the kids, insurance for the main bread-winner, retirement. Come to a consensus and find compromise. For most couples there are always compromises and there is never enough money for everything. Work it out together.

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