Relationship
How to deal with an overspending spouse (final)
- /home/u249204778/domains/spectator.com.gh/public_html/wp-content/plugins/mvp-social-buttons/mvp-social-buttons.php on line 27
https://spectator.com.gh/wp-content/uploads/2022/11/Living-within-your-means-is-important.png&description=How to deal with an overspending spouse (final)', 'pinterestShare', 'width=750,height=350'); return false;" title="Pin This Post">
- Share
- Tweet /home/u249204778/domains/spectator.com.gh/public_html/wp-content/plugins/mvp-social-buttons/mvp-social-buttons.php on line 72
https://spectator.com.gh/wp-content/uploads/2022/11/Living-within-your-means-is-important.png&description=How to deal with an overspending spouse (final)', 'pinterestShare', 'width=750,height=350'); return false;" title="Pin This Post">
Living within your means is important
If you have gone through the steps above and haven’t seen much improvement, don’t lose hope. You and your spouse may need to take extra steps or get more help. Here are five things to try first:
Cut Up Your Credit Cards
If you tried the envelope system for budgeting, but kept your credit cards just in case, the power of plastic may be too much to resist for compulsive shopaholics. If you suspect this is the case, then get rid of them. Spending money can be addictive, especially if you can’t actually see the money leaving your hands. Cut up the credit cards, and if you must, close the accounts to take the temptation out of the picture altogether.
Use a Piggy Bank
Did you make a piggy bank when you were little? Well, I still have one and I use it to this day. I regularly deposit change in my piggy bank and after a while, I am rewarded for my efforts. It’s a great way to practise patience and discipline, which may be exactly what your spouse needs to lose the overspending habit. Don’t use the piggy bank method alone, however. Do it in conjunction with cutting up the credit cards and the process described above. Reinforce to your spouse that this is not a punishment, but a way of rewarding hard work and self-control.
Motivational Reading
Like many people, I get really fired up and excited after reading a book. If your spouse is this way too, try picking up some inspirational reading like Dave Ramsey’s The Total Money Makeover or Thomas Stanley’s The Millionaire Next Door for starters. Once you’ve read these, there are other great personal finance books out there as well. Reading about how others managed their spending can inspire both of you to work towards the changes you need to make.
Seek Counselling
If all else fails, or perhaps you are feeling resistance from your spouse, you may need to seek help from an outside source. Counselling can uncover deeper issues that your spouse is trying to cope with by overspending. Consider joint sessions, at least to begin with, to make sure your spouse’s overspending isn’t a response to underlying dynamics in your marriage.
Get Support
Organisations like Debtors Anonymous (DA), can give you and your spouse the tools you need to handle your situation effectively. Debtors Anonymous offers a 12-step programme to control overspending and provides support from others who have been in the same place you’re in now.
Final Word
These suggestions will only work if you do not overspend yourself. Make sure you set a good example and that you are working towards financial goals just as hard as you expect your spouse to. Most importantly, support your spouse through the process and only use loving words so that the issue doesn’t drive a wedge in your relationship. Change and healing are most likely to occur if you demonstrate that you are in this together.
1. Talk early and often
It is never too early to start talking with and listening to your children about the first day of school. Ask them what they think school will be like and see if they have any specific concerns so that you will have time to address it over the next couple of weeks. It is totally normal to have first day jitters.
2. Go to the orientation
If your child’s school is hosting an orientation or back-to-school night, take advantage of it. Often children are worried that they will not know how to get to the bathroom, where to eat lunch, or how to get to a locker. If your school does not offer one or you are unable to make it, ask the teacher if it would be possible to stop by for a visit. Teachers are usually in their classrooms prepping for the new school year in advance.
3. Meet the teacher
For kids, wondering if they will like their teacher is a big source of fear. If your child isn’t comfortable in the teacher’s classroom, he or she will be less likely to be ready to learn. Many teachers will make themselves available for a phone or video call or will return an email if a visit is not possible.
4. For younger children, read books or watch educational cartoons
In August, local libraries will often display books about starting school or going to a new school. These materials can help children read about and see what a typical day will consist of and what they will learn in school.
5. Take your kids shopping with you
Your kids will be more excited to use their back-to-school supplies if they picked them out. Doing so will help them feel prepared and will also provide an opportunity to talk about how the new supplies might be used in the coming year.
6. Set up school “zones” and establish clear expectations
At home, establish a location for school materials such as a place to put backpack and lunchbox, and set up a distraction-free homework zone (like the kitchen table with the TV turned off and phones/tablets put away). Set up homework and study times (for example, Monday–Thursday from 3:30–5 pm) to help manage expectations and build and maintain good routines.
7. Practice your new routine
Both children and adults can benefit from practicing the new school routine one to two weeks before school actually starts. Stage a morning dry run to see how long it takes you and your children to get out of the door in the morning. It will not only help you predict how early you and your kids need to get up, but your children will benefit from learning what to expect each weekday.
SKIP THE QUEUE, TAP THE NEWS
You can now read the Ghanaian Times and The Spectator newspapers from the comfort of your device via TimesNewsPlus.
Join our WhatsApp Channel: https://whatsapp.com/channel/0029VbBElzjInlqHhl1aTU27
Having a good relationship with your child’s teacher will make it easier for you to share concerns and work together to help your child thrive. Here are some tips for building a partnership. Here are some tips to help parents build a good relationship with their child’s teacher.
1. Meet with the teacher and staff early
Teachers are usually swamped at the start of the school year. But try to meet as soon as the teacher can. At your first meeting, find out how the teacher prefers to communicate it can be either by phone, email, or some other method.
2. Help the teacher get to know your child.
Sharing information is key to a good parent-teacher relationship. Tell the teacher about your child’s interests, strengths, and challenges. If your child has an special need, make the teacher a aware, and let the him or her know about situations outside of school that might impact your child’s learning or behaviour.
3. Be respectful of the teacher’s time.
Be on time for appointments, whether they are phone calls, video meetings, or parent-teacher conferences. Try to wrap things up within the allotted time. The teacher may have other parents scheduled after you or other meetings and commitments. You can always set up another call to finish up.
4. Recognise the teacher’s efforts.
If you are meeting in the classroom, look for displays of students’ work or teaching materials that you can compliment. If you are somewhere else, start things off with a positive statement, like something your child enjoys about the teacher’s class.
5. Never talk negatively about a teacher in front of your child.
Showing your respect for a teacher will set a good example for your child.
6. Participate in school events.
Take part in school events when possible. This shows that you’re part of the school community and want to be supportive. Offer to volunteer in a way that works for you, whether it’s at school or at home on your own time.
7. Say “thank you.”
Show your appreciation for the big or little things the teacher and other staff do for your child. Thank-you notes and emails can go a long way toward building positive relationships.
