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4 Common Money Problems Between Couple And How To Solve It

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Many couples disagree and argue. But there’s a particular subject that tends to be more damaging to relationships than others. Hence, money. A study published in 2013 in the journal Family Relations examined more than 4,500 couples. Therefore, found that fights about money were a top predictor of divorce regardless of income, net worth, and debt levels.

When you’re constantly at each other’s throats about money. Hence, you and your partner lower the satisfaction you get from your relationship. Even in cases when decreased relationship satisfaction doesn’t lead to divorce. Therefore, it can increase your stress levels. Also, have a negative impact on the health and happiness of other members of the family. In addition to your children too. Understanding what you’re fighting about and why you’re fighting about it helps you and your partner come up with a way to work through arguments.

Spending Habits

(Source: expertbeacon)

Whether it’s you or your partner who’s a shopaholic, a difference in spending habits isn’t something to sweep under the rug. Therefore, Resentment and frustration can grow if one of you feels helpless in the face of the other’s habits. Also, if one feels that the other is spending all your money with no thought for the future. If you and your partner regularly butt heads about the other’s spending habits. Hence there are a few ways you can work through the issue and understand each other better.

Get Everything Out in the Open

Honesty is the best policy in any situation. When you first have the money talk with your partner, break out your bank and credit card statements so each of you can see what the other tends to buy. Before revealing your financial details, promise that you won’t judge each other or make snide comments. Reviewing your spending habits can help you both set goals and find where you need to cut back.

Once you’ve set a budget together, if you slip up and buy a $500 purse or drop $400 on a pair of concert tickets, don’t try to hide it from your partner. Instead, come clean and admit that you overspent on an item.

When you’re honest, you can work together to come up with a solution. You can return the purse if you both agree it strains your finances and is something you simply don’t need. If you can’t get a refund for concert tickets, you can try to sell them on a third-party website, if doing so is legal in your state.

Saving Habits

(Source: wisdomfordominion)

Couples don’t only fight about the spending habits of one another. Also, they often disagree about how (and how much) to save as well. For example, some people might be so focused on saving that they’re willing to pass up many life experiences. Hence, from travel to eating out at a restaurant. While others appreciate a little splurge now and then. Also, One half of a couple might be nervous about investing in stocks and wants only to invest in CDs or savings accounts, while the other half can handle a bit of risk.

Create Common Goals

Sitting down with your partner and making a list of goals. Hence, can help you both determine how much to save each month. If neither of you has focused on retirement savings yet, you can jointly decide to put aside 10% of each of your incomes into your own retirement accounts every month.

Along with long-term saving goals, you should set up shorter-term goals. Perhaps your car is on its last legs – if this is the case, you can agree to set aside a small portion of your incomes every month to save up enough to buy a car outright or put a sizable amount down on a car loan. You can also agree to create a joint savings account for vacations or other yearly purchases, such as holiday gifts and other expenses.

Past, Current, or Future Debt

(Source: kiplinger)

How much debt each of you brings into a relationship. As well as your attitudes toward tackling it can be a source of strife. As with other financial matters. Therefore, you and your spouse can have different mindsets when it comes to debt. Also, from whether it’s acceptable to carry a credit card balance. Also, to whether you should be in a hurry to pay off your student loan debts. Instead of fighting about debt. Hence, you want to be upfront and honest about your attitudes and your actual debt burden and devise a plan to help you both reduce or eliminate your debts.

Work Together to Pay it Off

When you’re part of a couple. Hence, the other person in the relationship doesn’t automatically assume the responsibility of any debt you bring into the partnership. In fact, any debts you bring into a relationship remain your sole responsibility, even after you get married. That doesn’t mean that you and your partner can’t work together to figure out a debt repayment plan. Thus, what works best for your joint budget. After all, coming up with a joint plan to reduce debt can help you work together to achieve other financial goals, such as qualifying for a mortgage together and purchasing a home.

Come up with a debt payment strategy together. You can decide to tackle any consumer debt first, putting a significant portion of your income toward credit card debt. Once that’s paid off, you can focus on your student loans and other less expensive debts.

If one of you has more debt than the other, try not to resent that person. The important thing is that you are both working together now to pay off the debt so that you can move forward with your financial lives.

Who Earns What

(Source: quebecormedia)

It’s fairly common for one partner to earn more than the other, and income disparity can lead to fights and feelings of resentment or insecurity. Additionally, one partner can feel inclined to have more of a say over what happens to the money if there is a big difference in income.

Divide Responsibilities

In some cases, a partner who earns less might take on more responsibilities at home to try to close the gap between incomes. A spouse who doesn’t have an income producing job might care for the kids or work to put dinner on the table every night.

However, even if one of you works and the other doesn’t, it’s not fair for any single person to do all the household chores or handle all of the home maintenance issues. A partner who has to care for a home alone, without help or support from a spouse, can start to feel angry and resentful.

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Life

It’s Time To Toss These 5 Items From Your Closet

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Most people will clean their closet out every few months as the season changes. Swaping our winter clothes with summer ones are the usual chores. But other than that, there is another thing to do that should be on every person’s list. It’s called the donation or throw away list. The list are included a full drawer full of socks and old t-shirts you’ve owned for too long. Parting with these items on regular basis will keep your wardrobe well-organized and full of the freshest items. Plus, not only will this habit leave your overall appearance look perfectly polished, but it will also create more room for your wardrobe.

Mismatched Socks

We all have that one sock that we are not sure where the other pair is. Often times, we are guilty into believing that we will somehow find the other pair and let the mismatched socks sitting there in our drawer. This is a habit that needs to be changed. Instead of letting the one sock sitting useless in the drawer, you can try some DIY crafts with the leftover sock. Google and Youtube are full of DIY ideas you can try.

Photo Source: steemit
Photo Source: wearethought

Dingy White Tees

This happens to all of us. We have that one favorite white t-shirt that we wear on repeat. Unfortunately, as it is with all white t-shirts, the stains are catching up on us. Whether it’s the yellowish stains from our deodorant or a spill from a cup of coffee. Sometimes, the white t-shirt is simply not so-white anymore. Whatever the case is, whenever your white shirt has changed color, it is time to get rid of them from your wardrobe. Next, replace the old ones with a fresh, bright white t-shirt.

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Photo Source: today

Heels You Can’t Walk In

Sometimes, you gain weights and your shoes don’t fit anymore. Other times, you find that the heels of your favorite shoes are torn so much, you can’t any longer walk in them. Whatever the reason is, once you find that those heels are no longer comfortable on your feet, it is time to say goodbye. If they are still in good condition, try to donate them. Otherwise, throwing them in the garbage can is a good idea.

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Photo Source: videoblocks

Jeans That Don’t Fit

Just like any other piece of clothing, jeans can be worn too much and become unwearable. After many cycles in the washing machine, your favorite pair of jeans will, unfortunately, give away. Either the color is diminishing, they shrunk in size, or on contraries, they size up, it’s time to give up the jeans. Freshen your collection by emptying the wardrobe and purchase new, more flattering pairs.

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Photo Source: ae

Stained Blouse

Similar to your white t-shirt case, there is a big possibility that your favorite blouse will get a stain on them. If what you have is a dark color blouse, you are lucky as they don’t show much. But a light color one is a nightmare once you spilled that soup in the office. Stained blouse, wherever the stain comes from is not worth the trouble of keeping them. Toss them away and replace them with a newer, better one.

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Beauty

12 Woman Body Shapes And To Wear According To Your Shapes Part 1

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You are what you wear. And what you wear depends on your body shape as well, isn’t it? There is something most of us simply don’t know. That there is a lot of science behind body shape and dressing. When it comes to making a style statement, this could be the most important thing. But hey, there’s more to it.

Wondering what I am talking about? Just keep reading and you will figure out yourself!

Pear Body Shape

(Source: Shutterstock)

If you have large hips and a tiny bust, you have a pear body shape. This type of body is also known as the triangle shape. Your body has a very well-defined shape and shows off those curves well. You have broad hips and your waist section can look beautiful if you dress up the right way. So, let’s help you out choose your outfit!

What To Wear

(Source: everlane)

Wearing bright and beautiful scoop-neck and boat-neck tops. This will make your shoulder look wider. Gorgeous bracelets and accessories should be used to highlight the appearance. Also, wear a pushup bra or a padded bra to make your upper body and lower body look balanced. But you cannot wear all types of cuts and patterns. Here is what you should avoid wearing.

The Straight Body Shape

(Source: shutterstock)

You know you have a straight body type if you have the same measurements for all sections of your body. This body shape is popularly known as the supermodel body. This type is also been called rectangular or ruler body. Since it does not have a well-defined waistline, the body tends to look straight. Here is what you should wear.

What To Wear

(Source: windsor)

Tube tops or dresses would look charming on you. Not only does it suit the shape of your body, but also highlights your features. A nice and snazzy belt along with a tube dress would be a stunner. This will also help you create that slim and sexy hourglass shape you must have desired for. You should wear bright colors, try different textures, and cuts. Great ideas right? Let’s find out what you should avoid wearing.

Apple Body Shape

(Source: Shutterstock)

You know you have an apple body shape if you have a larger bust than the hip section, undefined waist, round shoulders, smaller hip, and slimmer legs and arms. You also tend to put on weight first in the upper body section than the rest. The apple body shape or the Inverted triangle body shape is beautiful and can look gorgeous when you wear the right kind of clothes. Here is what you should wear.

What To Wear

(Source: thewhitesantorini)

Wear soft, textured fabrics, A-line dresses, shirts with a tie below the bust line, tops that fall lower than the hip bone, tops with cuff sleeves, well-fitting clothes, V-necks, scoop tops, ruched t-shirts or shirts in the middle to give more definition to your mid-section, flowy dresses from down your bust line, necklaces that come till your bust and not lower or higher, short dresses, dresses which have darker sides and lighter middle section all the way down, well-defined shouldered blazers, summer jackets, waistcoats, boot-cut jeans, flared bottom jeans, jeans with back pockets to give more definition to your hips, low waist jeans, define your waist by wearing high-waisted shorts, heels, sandals with straps, wedges, and platform shoes. Lot’s of options for you, just avoid wearing the following.

Spoon Body Shape

(Source: shutterstocks)

This one is also quite fascinating and beautiful to look at. Spoon body shape or the pear body shape is characterized by large hips that are bigger than the rest of the body. This creates a nice shape that resembles the number 8. You tend to gain weight in the upper section, especially the stomach region. Love handles are your biggest issue and you tend to easily gain weight in your thighs and arms section whereas your legs and lower arms are worth flaunting. Here is how you can make your body look perfect.

What To Wear

(Source: houseofcb)

Choose clothes that have lighter color in the upper body region but darker in the middle and lower body region, strapless, boat necks, wide necks, short skirts and shorts to show off your great legs, tops with embellishments or patterns that add volume to your bust line, A-line skirts, boot cut jeans or trousers, mid-rise jeans, padded bras, chunky earrings and necklaces, well-defined shouldered jackets, dresses, and tops, well fitted dresses around the waist, bags that come till your hip bone, peep-toes, flats, and ballerina shoes with pointed toes. These are really cool and upbeat options, just take care not to wear the clothes mentioned below.

Hourglass Body Shape

(Source: shutterstock)

Lucky you! Your buttocks and bust lines are very well balanced and the waist is also defined beautifully. Your buttocks are round naturally and your body is in proportion throughout. You have slightly rounded shoulders that align perfectly with your shapely buttocks, and your legs are in proportion with your upper body. Though your figure is the most attractive, you can go wrong if you don’t wear the right clothes. Here is what you should do.

What To Wear

(Source: outfittrends)

Accentuate your waist and wear clothes that show off your perfect curves. Wear broad belts over your shirt or dress, wrap-around tops and skirts, flowy dresses, skirts, well-fitting tops, fitting jackets, tops or dresses with pleated waist, pencil skirts, ¾ skirts with side or back slits, jeggings, boots, strappy sandals, high heels, peep toes, and necklaces that fall till your navel. Though you can look beautiful and hot in any attire, you should avoid wearing the following.

Oval Body Shape

(Source: shutterstock)

If you have a body that is oval in shape, your bust will be larger than the rest of your body. The hips will be narrow and the midsection shall look full. Women with these body shapes tend to gain weight in their stomach before anywhere else. The waist is not very well-defined and ends up being the widest section of the body. The buttocks are flat and legs are slender. Since your legs are the best asset, you should flaunt this the most. Here is what you should wear.

What To Wear

(Source: rag&bone)

Wear square neck, V-neck, and U-neck tops or shirts. You should also wear wrap around tops, skirts, and jackets to slim down your mid-body area, vertical stripes, peplum tops, tunic tops, belted dresses and tops, wide collared jackets, fish-cut or flared skirts, cargo pants with pockets near your hip, empire waisted dresses or tops, dresses or skirts just above your knee to show off your legs and make you look well proportioned, high heels, long and slender earrings, and necklaces that fall till your cleavage. Those are some pretty sexy options you have got there. Just make sure not to wear the clothes mentioned below.

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Beauty

Guide For Bikini Wax For You Who Are Adventurous

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As if the torture of the monthly waxing was not enough, here comes bikini wax to take the life out of us. A woman is perceived hairless, and even a little amount of it is considered manly or un-groomed! But all the cribbing aside, we love to look holiday-ready all the time, don’t we? That said, take a look at all there is to know about the Brazilian wax. You might just get impulsively adventurous

Let’s Start With What It Is All About

(Source: bellissimo)

The removal of the pubic hair from the bikini line is quite simply, a bikini wax. It is a cosmetic procedure, and is done by peeling off the hair along with the hot wax that is applied on the skin. Ouch!! That sure sounds painful. But the secret to surviving that is staying absolutely calm.

(Source: goodhousekeeping)

There are four variations of the Brazilian wax, with different levels of cleanliness (and pain, of course), so let me quickly list them down for you.

The Different Types Of Bikini Waxing:

The Standard:

(Source: self)

When you pull the hair off until the line of your standard panties, it is the standard or usual bikini wax. Most parlors usually do that when you opt for the full leg waxing. It leaves a neat triangle that you could trim off and keep clean at any point of time. It is quick and easy, and pain-wise scores 2 on 5. Very bearable I would say.

The Extension Of The Bikini Line:

(Source: tanninglotion)

Taking sexy a notch higher, this one’s going to leave you feeling extremely attractive, and almost G-String ready!!! I’m quite sure you can picture yourself already. This one leaves absolutely no hair poking out since a little over the bikini line is waxed out, leaving a smaller triangle. I would give this one a pain rating of 2 out of 5 as well, because it is not half as painful as what is yet to come (Now ain’t that creepy?).

The Brazilian Wax:

(Source: health)

Now we are talking!! With this wax, you are left only with a small strip of hair at the landing. But otherwise it is all off, and when I say all off, I mean all off. You can let your imagination run wild! This one’s a 4/5 on the pain scale, and although it takes a good 20 minutes to strip the hair off, it is worth it!

Let’s Talk Hollywood:

(Source: clbxg)

This one’s definitely not for the faint hearted! This is like the epitome of bikini wax. And this one removes every bit of hair that exists between your legs. It takes just about 20-30 minutes and rates about 5/5 on the pain scale (Woooppss!!).

But once it’s done, you will not remember the pain, and the cleanliness it gives you – trust me, it is priceless. Just leave your apprehensions and inhibitions behind before you go for this one.

The Two Apprehensions You Deal With Before Going For A Bikini Wax:

Embarrassment

(Source: besanctuary)

Well, this one is like having sex for the first time (What is he going to think about my body?). But believe me when I say that when you go for a professional bikini wax, the beautician is so used to doing it, and has almost seen everything, that neither will she judge you nor will she make you feel uncomfortable. It might be new for you, but it is a part of her job. And she might have done so many in a day, that she probably won’t even remember any bit of what she saw. (And she will definitely not gossip, if you think that ‘s what she might do)

Pain

(Source: more)

It is definitely going to be painful (don’t tell me I didn’t warn you before), but your therapist is sure to keep you comfortable and give you tips on how to make it as painless as possible. If you prepare yourself and go for the treatment, it will get a lot easier. You need to remember that if there is no pain, there is no gain.

Keep It Clean, Keep It Safe

(Source: huffpost)

It is extremely important to make sure the surroundings in which you get your Brazilian wax done, and the technician, are both very clean. The wax needs to be fresh and you need to make sure she does not double dip in the wax.

The risk of infection is always higher after the session, so make sure to take all the necessary precautions for up to 24 hours after the wax.

After The Treatment:

(Source: cosmo)

Most technicians recommend a soothing lotion after the treatment. It is good to use one. You will definitely experience a stinging and tingling sensation in those areas. But it will subside even before you know it.

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