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.
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.
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
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
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.
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.
17+ Gorgeous Winter Work Outfit That Can Fend Off Cold
Winter is coming. And with it, the bitter cold temperatures and slushy, icy streets to make your morning commute just that much more unpleasant. Weather such as this begs for soft, cozy fabrics and endless layers. But, while sweats and a puffer coat might be your uniform of choice for off-duty days. Hence, that just won’t cut it once the workweek commences.
Balancing resistance against the elements with a put-together look can be a daily woe for the working woman. You could go the route of wearing your heaviest. Thus, the most weather-resistance duds and shedding and swapping things out upon arrival at the office. Therefore, though few among us want to be faced with an outfit change every morning. The ultimate goal is a winter work outfit that’s both warm and stylish, but still professional.
All workplace dress codes are different. So consider the practices of your particular office and industry. Still, a few key tips ring universally true. A focus on heavier textiles and luxe knits will deliver the insulation you’re after.
So if you find yourself reaching for the same pants and sweater all too often, don’t worry—we’re here to help you out. Armed with a fresh batch of inspiring outfits, power dressing in the cold has never been quite so easy. You can mix and match trends in a way that feels just right even when it’s chilly out.
That said, while your inclination might be to go thicker and bulkier across the board. Hence, the result can look a bit sloppy if not executed just right. Instead, opt for slim layers and cinched, tailored silhouettes to maintain a polished form without sacrificing function.
Below, look to the well-dressed ladies of the street style set for eight examples of outfits that will take you from 9-to-5 in style, even when the temps are 50 degrees and dropping.
16+ Ugly Christmas Sweaters Ideas To Brighten Up Your Christmas
With the holidays just around the corner. Thus, it’s time to start thinking about the perfect ugly Christmas sweater. To be fair, not all ugly Christmas sweaters are that bad.
Some sweaters serve a purpose. So, whether it be to hold your wine bottle or to transform you into a Christmas tree. Some even have interactive games and lights. You can also go for a sweater more on the simple side that just has a fun saying or pattern. Or, if you’re feeling really crafty, you can go for a homemade ugly Christmas sweater.
We’ve gathered some of our favorite ugly sweater ideas right here. Hence, to help you stand out at your next Christmas party. Whether you’re looking for a men’s ugly Christmas sweater, a women’s ugly Christmas sweater. Also, even something for the kids, there’s an option here for each family member. Making your ugly sweater party debut as newlyweds?
We’ve also included a cute option for couples too. Not only will these funny DIY sweaters make your bash one for the books. But, they’ll also make great DIY Christmas presents and gag gifts. Another benefit of these sweaters? They won’t break your budget. So, there’s one in here that costs the blogger one dollar to make!.
So whether you’re looking to buy it online. Or are getting your arts and crafts kit ready for a DIY session. Hence, there is definitely the perfect ugly Christmas sweater on this list for you.
You can only have a holly jolly holiday. Thus, if you’re dressed like Clark Griswold from National Lampoon’s Christmas Vacation on Christmas Eve. It’s time to break out the ugliest, most horrendously cheery Christmas apparel around. Also, we’ve found the best sweaters to help you ring in the season with all the bells and whistles (literally).
Great Christmas Tradition For You And Your Family To Do
There’s nothing we don’t love about Christmas! The food, the tree, the songs, the films. Hence, there are so many great traditions that we all take part in. But our favorite ones are the ones that just our family does.
Whether it’s pajamas under the tree on Christmas Eve or a homemade tour bus to go and see the lights. Thus, we’ve tracked down some adorable new family Christmas traditions for you and the kids. Hence, to make memories with this year, and every year after that.
With these adorable and unique Christmas traditions, a little homemade snow and a sprinkle of creativity. Thus, it’ll be your merriest, most magical Christmas yet!
Read The Christmas Story
Amidst all of the lights and presents and sweet treats. Hence, it’s nice to be reminded that this season we are celebrating. Therefore, about love and hope at the core.
Start A Christmas Countdown Paper Chain
Children are visual! Every day the kids ask how many days until Christmas. But it’s so much more exciting for them to get to remove a piece of the paper chain. Thus, each day and see how the day is nearing!
Go To A Christmas Concert
Most cities have special concerts during the holiday season, and many of them are free! Bring your family to hear the beautiful songs of the Christmas season.
Go See The Nutcracker
Last year a friend of ours was dancing in The Nutcracker. So, I reluctantly decided to buy tickets for Parker and me. I never dreamed she would love it so much! After Christmas, she said it was her favorite thing we did all December long! We are going again this year and bought this book to prepare! It’s by far my favorite book version!
Bake Treats For The Neighbors
Parker loves to bake this time of year, but there’s only so many cookies I want lying around the house. Sweet treats are a nice excuse to pop over next door with baked goods in hand. And catch up with the neighbors!
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