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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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5 Must Read Books For Women Everywhere

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A good book can shift your mindset, change your life, help you heal, or to escape from the reality when you need a break from your routine. If you are not sure about what books to read, this list will remind you why reading is one of life’s richest pleasures.

The Handmaid’s Tale

Written by Margaret Atwood, The Handmaid’s Tale is set in the dystopian United States where democracy has been overthrown by a totalitarian military theocracy. This best-selling novel follows Offred, a handmaid who has a completely restricted freedom.

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You Are A Badass

This book by Jen Sincero is the ultimate confidence booster. Jen Sincero’s witty stories about finding her own greatness and the lessons she learned along the way will no doubt inspire you to fiercely chase your goals and create a life you love.

Photo Source: journeystrength

We Should All Be Feminists

Adapted from her 2012 TEDx talk, this quick read from award-winning author Chimamanda Adichie provides an updated definition of feminism for the 21st century. One that centers firmly on inclusion and awareness. If you are gathering book to inspire you, this book should be on your list.

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The Immortal Life Of Henrietta Lacks

In 1951 poor Southern tobacco farmer Henrietta Lacks sought help for a “knot” on her cervix. She was diagnosed with cervical cancer and during treatment, some of her cells were taken without her knowledge. The result of the treatment became one of the most important tools in modern medicine. This non-fiction read explores her “immortality,” the medical breakthroughs that came as a result, and the devastating effects it had on her family.

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To Kill A Mockingbird

With beautiful storytelling and devastating honesty, Harper Lee lifts a veil on racism in the deep South during the Great Depression. Read this at least once; it’ll stick with you forever.

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Life

Best Cities for Solo Female Traveler

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Are you an independent chic who has been dreaming of exploring the world, as a solo traveler? Want to go a memorable solo adventure that you’ll cherish until your last breath? We’ve rounded the best places to travel alone for girls who want to go on an epic journey across the world. Ladies, make sure to check out these solo travel ideas and helpful pieces of travel advice!

Rome, Italy

Rome is truly a fabulous destination that will indulge all your five senses. As a female solo traveler, walking around this vibrant Italian city will let you feel empowered and fully present. Not to mention, you may even get a marriage proposal, as you wander around Rome, as a solo traveler.

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Melbourne, Australia

Melbourne is by far one of the best places to travel alone in Australia for females. Labeled as the cultural capital of Australia, Melbourne dazzles and appeases solo female travelers with verdant gardens, large parks, theatres, galleries, museums, extensive shopping, and Victorian-era architecture.

Photo Source: visitmelbourne

Reykjavik, Iceland

Reykjavik is one of the safest places to travel alone in the world for women. Reykjavik’s safeness isn’t the only reason it has crawled its way on our list of the best places to travel alone for women. It is, after all, the epicenter of life and culture of Icelandic people. As well as one of the country’s focal points of tourism. Eclectic, laid-back and downright beautiful, Reykjavik is a great base for day trips that display Iceland’s postcard-perfect attractions, such as the Blue Lagoon and Northern Lights.

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Chiang Mai, Thailand

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Chiang Mai, nestled grandly on Northern Thailand’s foothills, is one of the top and most picturesque places to travel alone in Asia for ladies. Surrounded by a lush countryside and mountains, it is much safer, quieter and greener than  Bangkok Fittingly nicknamed as the “rose of the north”, Chiang Mai is a historically and culturally interesting city, with over 300 Buddhist temples and an array of vegetarian dishes and yoga styles to offer.

 

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Life

3 Tips To Feel Confident During Woman On Top Position

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Doesn’t feel confident during woman on top sex game? Don’t worry, you’re not the only one. Women on top, tho, is one of the best sex position for women as you will have more control over the speed, angle, and intensity, so it makes it easier to keep it at a rhythm that’s really doing it for you. And then there’s also the mental element of control: Taking the reins and doing things exactly how you want can feel beyond hot. To get you more confident during your woman on top game, here are three tips for you.

Find The Right Angle

Yes, in theory, it makes sense that being on top lets your clit get more stimulation, but if that angle just isn’t happening for you, you’ve got options. To find that sweet spot, move your body forward and back very slowly, and left to right, to see if you can notice and slight differences in sensation. And don’t get discouraged if you don’t get there right away.

Photo Source: bustle

Breath In, Breath Out

It’s no surprise that being on top exerts a little more energy than just lying there and noticing all the cracks in your ceiling. The biggest thing is to remember to breathe. If you’ve ever done intensive workouts, you can go much farther and longer if you breathe deeply. This will seem totally natural since people tend to breathe much more intensively during sex. Deep inhales and exhales can help you focus on sensation and not become exhausted so quickly.

Photo Source: spiritriau

Master That Stamina

Great sexual stamina comes from strength in your large muscle groups and a good cardio routine. Working on your legs and core will really help in the bedroom. In other forms, working out is not just good for your body in general, but will help you in sex also.

Photo Source: dreamstime

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