The Top 3 reason for failed marriages are: Communication, Sex and Money!
Today I am referring to the Money. You could be amazing with budgets but when you combine two people who have done things differently and then try finding common ground, there can be lots of room for issues.
When Alex and I first started working out a budget together, we got to the point where you set aside money for "Savings". Alex would say, "I have that covered because I have a 'Savings' Account." I would respond with "great, that is a good place to build upon." Alex would be confused because he didn't know why I would want to add more to his savings account. Cutting to the chase: to Alex, "Savings" was something he had set aside for rainy days and then had 401K for retirement. For me, "Savings" was for retirement, down-payments for big purchases, etc. Then I had "emergency fund" for rainy days.
All of that is to say, you HAVE TO TALK about this with your spouse and come to an agreement!
A great TOOL for this TALK is DAVE RAMSEY with FINANCIAL PEACE UNIVERSITY!
This is a LIFE CHANGER! DUMBING DEBT! BEING DEBT-FREE! HAVING SAVINGS! COMMON GROUND FOR BUDGETS!
MY PERSONAL FAVORITE IS ENVELOP SYSTEM.
This is a tool you use after setting a budget (which there is a form to help you with this). You put cash in each enevelop every month (food, gas, etc). And that is what you spend for the month. WE pay EVERYTHING in Cash....NO CREDIT CARDS to depend on! This has saved us and our finances!
TESTIMONIES
Go to HERE to hear Sucess stories of people who are going and have gone through Dave Ramsey's Finnical Peace University (FPU).
HELP WITH BUDGETING
To help you get started on a Budget, go HERE for the online form OR there is a new tool you use HERE.
IMPORTANT:
if you should want to do the FPU, know that the program/Classes is not cheap (about $100) but the INVESTMENT will be RETURNED in being DEBT FREE AND HAVING SAVINGS.....IF.....you follow the program and trust it!
DAVE RAMSEY
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