When your budget won't let you give gifts to everyone in the world—which is always, by the way—who should you give...
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It’s no secret that lots of people are struggling right now, especially those who are married and can’t agree on money. Things seem so complicated with the economy that people lose sight of how fixing the little things can turn a relationship from faltering to firm.
When you are having problems with your money or relationship, do you knock on the door of the person across the street and ask them to fix it for you? Of course not. It’s not up to them. It’s not up to the government. It’s up to you. The biggest step in fixing a troubled situation is sitting down with your husband or wife, looking at them and admitting that some work needs to be done.
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After you put the kids to bed tonight, turn off the television, sit down and have a nice, long talk with your significant other. Put everything out there—money issues, communicating together, trust … whatever. Be totally open about everything. Once you know how you each feel, you can work toward overcoming the issues together.
If the lack of a household budget is contributing to your money disagreements, there is good news. Making a budget isn’t hard to do; it’s just gotten a bad rap. A budget is simply telling your money where to go instead of wondering where it went. You can do this on notebook paper or with our step-by-step online tool. Write down how much you earn—down to the penny—in a month. Then write down every expense you have—the rent or mortgage, the electric bill, groceries, clothing, insurance, etc. Write it all down. Once you see how much money is coming in and going out each month, you can make adjustments so that you don’t spend more than you earn. It’s that simple!
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If you do this, you’ll start to get your money under control, and that’s a huge thing to not fight about. It leads to more trust, more peace, more communication and more fun in your marriage.