The level of economic
situation is scary to say the least. The number of husband that are unable to
provide for their family are increasing by the day, and the number of married
women who have been pushed to subtle prostituting just to cater for the family
is on the rise.
This are difficult
situation in many families today and because of lack of money, most marriages
are on the brink of collapse.
Couples today fight
over money issues all the times and it seems that this single reason alone is leading
to many divorce rate.
Now, let’s talk about
some ways that couples can work on finding
agreement about money
in their marriage:
Start with a broad vision.
Write down your shared
vision
Husband and wife should
seek to find common ground for a shared financial vision of the future.
The shared vision is
futuristic in its entirety and even though there is a relapse or unexpected
contingency, believe in the share vision between you and your wife.
Let the shared vision
guide the couples.
Big questions like
whether or not you’d like to own a home, what retirement might be like, and
whether you’ll both work or whether one will be a breadwinner and the other a
homemaker or both of you to work to support the share vision. It is important
for you both to be honest with each other.
Remember the primary
goal is to build a happy family not a fortune.
Communicate the share-vision all the time
One major reason why
couple always argues is inability to communicate the share vision agreed on a
regular basis.
This is very
fundamental in a marriage,
Once you have a shared
vision and you’re ready to tackle more financial conversation, try to set some
specific long term goals.
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Note that the shared
vision include all source of income from the husband and wife on one hand and
all expenses .The income include earnings from trade of the husband and
wife(including any money received as gift)
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Discuss everything and try to always communicate all
the time.
Mrs. Pamela had issues
with his husband and the marriage is on the verge of collapse.
Her brother-in-law who
lives in Canada send her $500 for the upkeep of her family and the woman did
not tell her husband, though the money was used to pay off many debts owed by
the family.
One year later, when
the husband knew where the source of money was from, all hell was let loose.
Communication is very
key to implementing a set vision for couples.
Review.
Now that you’ve had a
chance to create a shared vision and specific long-term goals, review these
together.
Make sure that you are still on the same page.
If doubts and concerns have arisen, deal with them. Remember that you value
your marriage more than money.
Build a
budget.
Nothing is compared to
a good and sound financial management than having a budget as a couple.
Create an action plan.
This is the ‘koko’ of
the shared vision. On a daily basis, couples should take time to write down how
money was spent and compare it with the shared vision plan.
Have a joint diary.
Write it down.
Compare it.
Take-away
Ø A workable action plan likely includes
something that looks an awful lot like a budget.
Ø
If one of you objects
to the term, call it something else. Spending guidelines, savings targets,
discretionary spending limits all accomplish the same thing.
Ø
Find language you can
agree upon and then begin living by your budget, to realize your shared vision.
Ø
Nothing is more
important to the happiness of a family than the happiness of the marriage.
Find your shared vision
for the future and work together to bring it about. Once you’re fighting for
the same thing you’ll stop fighting over the same old thing.
