Relationship
The family budget
Husband and wife arguing over ‘chopmoney’EVERY family has a Finance Minister. Such a minister is normally the head of the house, in other words the Executive President.
One of the characteristics of the finance minister is that he has a moustache with or without a ‘goatee.’
The moustache is usually twitched to frighten undisciplined children and the ‘goatee’ is used to terrify the wife. In fact the ‘goatee’ always reminds the wife of a he-goat and its gimmicks and antics. After painstaking research, my bosom friend Kokotako has come out with the conclusion that men with ‘goatee’ are more sexually appealing to women.
The Sikaman family life is an interesting one in that nothing is done according to the 1992 Constitution. The Finance Minister of the home is not supposed to present the family budget to the wife and children who are the family equivalent of the national Parliament.
He decides what the chop money must be, whether the wife must perm or jerry the hair, whether the kids must eat oats and milk for breakfast or zorzor, alias ‘yorke gari’ alias ‘yorks’. In effect, there is nothing like democracy much more the Westminister variation of it.
In extreme cases where the husband has the credentials of Adolf Hitler, he assumes kitchen-power and fetches the soup during supper. He sits behind the soup with a pot-belly and unilaterally decides who should get what size of meat and what level of soup.
Almost invariably, there is military discipline in the family such that the wife can only sneeze on Sundays and public holidays. Every minute, the man growls like a tiger while opening and closing his eyes like a maniac. All these are reinforced by a bottle of peters (bitters) in an obscured corner, often under the bed which is refilled every three hours.
“Kwadwo, run like a hare to Davi’s place and top my bitters before I somersault. In fact, if you don’t run like Ben Johnson under the influence of steroids, I’ll break your neck. Remember, I have to take three tots before caning you for not fetching water yesterday.”
Yes, Akpeteshie also gives appetite for fathers. Taking some tots, they start thinking where to seek political asylum because as a Lagosian would say, ‘Trouble don come for house.’
When I was in Class Six, our teacher once told us that in the developed countries families were often very concerned about the management of their homes and so man and wife often held weekly, fortnightly or monthly meetings to draw the family budget.
This is made possible by a joint account. The family’s needs from soap and cigarettes to blue jeans and holiday trips are budgeted for. That way things are done in an orderly manner and there is no case of over- spending, under-spending or ‘chobo’.
Perhaps, this is the ideal thing to do in Sikaman, but here there are obvious problems. First, the family’s income is often inadequate because of many factors including the man’s appetite. Secondly, there is a concealment of income on both sides.
The husband will declare ¢40,000 when his take-home pay is ¢60,000, meaning the extra will be used to finance personal habits and the needs of girlfriends.
The wife will also under-declare what she makes each day at the market for fear that her husband would force her to contribute to the upkeep of the home. So when she says she made only 4,000, she is in fact asking you to multiply it by 2/½ to get the correct figure. So in fact she made 9,000. It’s quite funny and you’ll have to be well-versed in JSS Mathematics to cope with her pace.
Because of all these, it is impossible for husband and wife to sit at table to draw the family budget. This is one of the reasons why some churches demand that prospective brides and grooms attend marriage counselling school for at least six months before being allowed to marry.
In the marriage school, they are taught home management and how to arouse sexual feelings in their mates. The man is cautioned on the dangers of drinking raw akpeteshie and the sins of chasing women like a bearded he-goat. “Don’t also beat your wife. God doesn’t like that.”
The woman is advised not to talk too much ‘rubbish’, not to have too many friends and taught how to please a man’s heart by pleasing his stomach with good food. She is warned not to converse with other men on frivolous topics that might lead to sexy topics etc.
Normally such lectures are helpful, but it turns out that the couples are only prepared to adhere to only 10 percent of what they are taught. Ninety percent of what they learn are impracticable, so the marriage school is only considered as a waste of time.
Well, my former classmate Kwame Korkorti, the born-mathematician, has long detected that since money palaver is the cause of many shattered marriages, couples need to be more transparent, communicative and co-operative in solving their financial problems.
Observation has shown that marriages break more often not because of the lack of money per se, but because of the mistrust on both sides as far as money matters are concerned. It might be that the man really has no money but the woman feels he has and is using it to chase other women, etc.
It all boils down to honesty, sincerity, goodwill, understanding and a desire to make the marriage work with or without money palaver. Let’s not make money the basis of a successful marriage.
Wishing all readers and fans of Sikaman Palava a nice week-end.
Parenting teens can be challenging. But it can also be a joy. The key is to know how to care for yourself, first and foremost. Before you have children, you might think that parenting will come naturally. And, to some degree, it does. But there are days (and sometimes months and years) when all parents could use some extra support.
Last week we looked at some four simple yet powerful approaches for parenting teens that build strong relationships for the long-run. Here are the remaining two:
4: Keep communication going
Because we are often busy and distracted, we do not always take the time to really focus on our kids when they’re trying to tell us something. Take advantage of the time you have together. Having dinner together as a family, using car time to talk, or chatting before bed are good ways to stay in daily touch with your teen. Prioritise quality time as well as quantity: Consider having breakfast out on the weekend as a special catch-up time to chat about the week. Or schedule monthly “family meetings” to discuss how things have been going and any conflicts that have arisen.
5. Be an empathetic listener
Listening with empathy and caring is one of the most important tips on parenting a teenager. Researchers have shown that people’s brain patterns synchronise when they listen closely to one another and watch each other’s expressions. As a result, the connection between them becomes stronger. Not feeling truly heard can lead to isolation and lack of self-esteem which are the root causes of anxiety, depression, and substance abuse. Therefore, take listening seriously. It’s not just a way of coping with teenagers; it has an enormous impact on their well-being.
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SHE did not find out he was cheating. She found out he was drowning.
It was two weeks after their beautiful wedding. The jollof was still in the fridge. A loan officer called her number—not his—and politely asked, “Madam, please tell your husband to pay his overdue loan. We have been calling him.”
That was how she discovered her new husband had entered their marriage with a hidden debt of over GH¢40,000. No cheating. No other woman. Just a financial secret.
And that is how many Ghanaian marriages begin to die. Not with a shout, but with a secret alert on a phone.
In my therapy/counselling office in Accra, week after week, I sit with couples whose marriages are not broken by infidelity, but by invoices. If you ask me what is quietly killing Ghanaian marriages today, I will tell you without blinking: it is not that love has died; it is that money honesty never lived.
We prepare for the wedding. We do not prepare for the wallet.
What is money honesty?
Let me define it simply. Money honesty is not that you both earn the same. It is that you both know the same. It is the ability to sit down and say without fear:
“This is how much I earn.”
“This is how much I owe.”
“This is how I was raised to see money.”
“This is what scares me about money.”
Financial transparency is not about control. It is about clarity. You cannot build trust on top of secrets.
Many couples tell me, “Counselor, we love each other, love will handle money.” I always answer, “Love is the car, but money honesty is the fuel. Love without honesty cannot move.”
Why do Ghanaian partners hide money?
From my clinical observation, it is not always wickedness. It is often woundedness.
1. The fear of losing power: Especially for men, money is seen as power. “If she knows how much I have, she will control me or disrespect me.” So he hides.
2. Family entanglement: “If my wife knows I give my mother GH¢1,500 every month, there will be trouble.” So he creates a second MoMo account. Many Ghanaian marriages have three accounts—his, hers, and the secret family one.
3. Past trauma: A woman who grew up in a home where her mother begged for chop money will never be honest about her savings. She is not greedy. She is scared. She is saving for her survival.
4. Debt shame: In Ghana today, with easy access to Qwikloan, Fido, and bank salary loans, many young men and women enter marriage already drowning in debt. They hide it because they feel, “If I tell him/her, they won’t marry me.”
So the hiding begins. And that is where the insurance lapses.
The 3 Devastating Prices You Pay For Financial Secrecy
Research from Kansas State University found that arguments about money are the number one predictor of divorce, more than arguments about children, in-laws, or sex. Why? Because money arguments are never about money. They are about trust, respect, and security.
Price 1: It destroys trust faster than infidelity.
When you discover your spouse has a secret child, you are hurt. When you discover your spouse has a secret debt that loan officers are now chasing YOU for, you feel betrayed and foolish. Clients tell me, “Counselor, I can forgive cheating, but I cannot forgive that he made me look like a fool at the bank.”
Price 2: It creates chronic anxiety in your home.
A home where money is a mystery is a home where no one sleeps well. The wife is always checking his phone not for other women, but for loan alerts. The husband is always anxious when his wife says, “Can we talk?” You cannot have intimacy where there is financial anxiety.
Price 3: It teaches your children to lie.
Children are watching. When daddy says, “Tell anyone who calls that I am not around because of money,” you are teaching your son that lying about money is normal. We are raising a generation of financially dishonest partners.
