Relationship
How to deal with an overspending spouse
• Time to do some management
So how do you deal with a spouse who seems to blow money at the slightest whim? Be as gentle and as loving as possible, but assertive in your mission. Here are steps you can take to deal with an overspending spouse and improve your situation.
Changing your spouse’s spending habits may seem like jumping a giant hurdle, so it is best to take the process in baby steps. Follow the procedure below in order to minimise the stress of taking on this large and often intimidating task.
Approach your spouse lovingly
Do not begin by accusing your spouse of wrongdoing or by pointing out faults. Deserved or not, this sort of treatment will only drive a wedge between the two of you and make it harder to communicate. Instead, approach the subject in a loving manner.
For example, explain that you want to start monitoring spending habits as a couple, and then start a discussion from there. Another tactic is to discuss ways to save up for something really important like retirement. Drive home the point that you are a team in your financial efforts. Otherwise, your spouse may resort to lying about spending money to you.
Set up a budget
If you have yet to make a budget, take this opportunity to set one up together. Sign up for an account with Personal Capital. The tools they have will make it really simple to start having productive conversations about where the money is being spent. If you do have one, this may be a good time to revisit it and possibly revise it. Work together with your overspending spouse to figure out what your total income is and what all of your expenses are. If you can show your spouse that money spent on frivolous items is causing you to go into debt or preventing you from saving, you are on the right track. However, it’s ideal if through the creation (or revision) of your budget, your spouse can come to this conclusion without you having to point it out.
Decide on how to control spending
If you were able to get your spouse to see the error of his or her ways, that was at least half of the battle. Now, you need to help control the spending. One way to do this is by allowing both of you to only spend a certain amount of money each pay period. I recommend using the envelope budgeting system because it utilises cash to hold you accountable to staying on budget. Once you have spent your cash, you are out of money.
Set realistic goals
Once you have talked to your spouse, set up a budget, and decided on a method for controlling spending, it’s time to look at your long-term financial goals. You both need a reason for sticking to your budget and need something to work towards. Do you need to get out of debt? Make that your first goal. Do you need to save up an emergency fund or start working towards saving for retirement? Those are also very important goals.
Tip: While you create financial goals, it’s also a good idea to make goals to strengthen your marriage, such as planning frequent date nights.
Hold regular financial meetings
Reaching your goals will be a process, and if your spouse has a habit of overspending, it may take some time to break. Hold regular financial meetings to monitor and discuss your progress. You may find that some months you regress, but most likely, you will see an emerging trend of improving finances. Use this information and the meeting time as a chance to praise your spouse and encourage each other to keep working towards your collective goals.
To be continued…
Relationship
Tips to improve family relationships
There is nothing like family. The people that are related by blood and marriage are expected to be our closest allies, greatest sources of love and support.
Too often, however, interactions with family are filled with misunderstanding and resentment, bickering and badgering.
Here are some tips to help bring family members closer
Take care of your health if you hope to take care of anyone else. The more demanding of your time your family is, the more you need to fit in exercise. Perhaps you and your family can seek out ways to exercise together.
1. Listen if you expect to be heard. Lack of communication is the loudest complaint in most families. The answer to “Why won’t they listen to me?” may be simply “You’re not listening to them.”
2. Teach emotional choice. Manage your moods by letting all feelings be OK, but not all behaviours. Model behavior that respects and encourages the feelings and rights of others yet make it clear that we have a choice about what to do with what we feel.
3. Teach generosity by receiving as well as giving. Giving and receiving are parts of the same loving continuum. If we don’t give, we find it hard to receive, and if we can’t receive, we don’t really have much to give. This is why selflessness carried to extremes is of little benefits to others.
4. Take responsibility for what you communicate silently. The very young and old are especially sensitive to nonverbal cues. More than our words, tone of voice, posture (body language), and facial expressions convey our feelings. We have to listen to our tone of voice and look at ourselves in pictures and in the mirror to assess our emotional congruency. Loving words coming through clenched teeth don’t feel loving—they feel confusing.
5. Don’t try to solve problems for your loved ones. Caring for your family doesn’t mean taking charge of their problems, giving unsolicited advice, or protecting them from their own emotions. Let them know their own strengths and allow them to ask you for what they need.
6. Make a lasting impression through actions. Your values will be communicated by your actions, no matter what you say. Be an example, not a nag.
7. Acknowledge your errors to everyone, including younger family members. Saying you’re sorry when you hurt someone you love, models humility and emotional integrity. You can demonstrate that no one is perfect, but everyone can learn at any age. Apologising proves you can forgive yourself and makes it easier to forgive others.
8. Discover what each person’s unique needs are. You can’t assume that your grandmother needs the same signs of love as your three-year-old or that either one will have the same needs next year. When in doubt, ask!
9. Be generous in expressing love. Everyone in a family (especially young children) needs the emotional reassurance of loving words, gestures, and looks. Those who demand the least emotional attention may need it most.
Relationship
Building trust in relationships and marriages
Trust is the glue that holds relationships and marriages together. Without it, even the strongest bonds can crumble.
As a couple navigates the ups and downs of life, trust serves as the foundation upon which their love, commitment, and loyalty are built. But what happens when trust is broken?
How can couples work to rebuild and strengthen this essential component of their relationship?
Trust is not just a feeling; it is a choice. It is a decision to be vulnerable, to be open, and to believe in the goodness of your partner. When trust is present, relationships flourish.
Communication becomes easier, conflicts are resolved more efficiently, and intimacy deepens. Trust allows couples to feel secure, to know that they can rely on each other through life’s challenges.
Signs of trust issues
So, how do you know if trust is an issue in your relationship? Look out for these signs:
– Suspicion and jealousy
– Defensiveness and accusations
– Lack of communication or withholding information
– Dishonesty or hiding the truth
– Emotional distance or disconnection
How to build trust
Fortunately, trust can be built and rebuilt. Here are some practical steps couples can take:
1. Communicate openly: Communication is the key to any successful relationship. Be honest, transparent, and open with your partner. Share your thoughts, feelings, and desires in a respectful and empathetic manner.
2. Be reliable: Follow through on your commitments. Show your partner that you are dependable and responsible.
3. Show vulnerability: Be willing to be vulnerable with your partner. Share your fears, hopes, and dreams with them.
4. Practice forgiveness: Let go of grudges and resentments. Forgiveness doesn’t mean forgetting or condoning hurtful behavior, but rather releasing the negative emotions associated with it.
5. Cultivate intimacy: Intimacy is not just physical; it’s also emotional. Make time for regular date nights, meaningful conversations, and affectionate gestures.
Rebuilding trust
If trust has been broken, it is essential to work on rebuilding it. This process takes time, effort, and commitment from both partners. Here are some steps to take:
1. Acknowledge the hurt: Recognise the pain caused by the breach of trust. Acknowledge your partner’s feelings and validate their experience.
2. Identify the cause: Understand the reasons behind the breach of trust. Is it a lack of communication, infidelity, or something else? Identifying the root cause can help you address the issue more effectively.
3. Work together: Rebuilding trust requires a joint effort. Work together to establish new patterns of behaviour, communicate openly, and rebuild intimacy.
4. Seek help: If needed, seek the help of a couples therapist or counselor. A professional can provide guidance and support as you work to rebuild trust. Counselor Prince & Associates Consult (CPAC) can be helpful in that vein.
Building trust in a relationship or marriage takes work, commitment, and patience. It is a journey that requires effort from both partners. By communicating openly, being reliable, showing vulnerability, practicing forgiveness, and cultivating intimacy, couples can strengthen their bond and build a foundation of trust that will last a lifetime. Remember, trust is not something that can be demanded; it is something that must be earned and nurtured. With time, effort, and dedication, couples can build a strong, trusting relationship that brings joy, happiness, and fulfillment to their lives.
To be continued …
Source: Excerpts from “COURTSHIP MATTERS: Keys to a Fulfilling Lasting Marriage” Book by REV. COUNSELOR PRINCE OFFEI (Lecturer, Published Author, and Marriage Counsellor).
