Can you help me and my spouse? We are fighting about money!
By Susan C. Price
[Questions are followed by answers and then, inevitably by ADVICE...you DID expect that...didn’t you?]
My spouse and I are fighting a lot about money. We are barely paying our bills right now and it is really taking a toll on our marriage. –Concerned about Money
Dear Concerned:
Yes, the fighting about money adds to the pain of a “not enough” situation. Usually, money is about power...who gets to DECIDE, is it “our” money, or (cus i earned the paycheck) “mine”, etc.
And it can be about organization style. If one person is organized and plans ahead…and another is “whenever,” getting bills paid timely is challenging. To the planner, it’s OBVIOUS that waiting makes the situation worse with late charges...but that’s not obvious to all. Family history on how money is handled can confuse you both and what each of you thinks is IMPORTANT…can vary. In fact, each of your views of the world and “them” is involved. “The [insert: doctors, medical insurance companies, credit card companies] are all money-grubbing....I don’t trust them!!”
No one person is usually right or wrong in the handling of money.
Some situations I have heard about:
[We would really like more questions to answer, so send ’em in….]
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Copyright © 2014 by Susan C. Price
By Susan C. Price
[Questions are followed by answers and then, inevitably by ADVICE...you DID expect that...didn’t you?]
My spouse and I are fighting a lot about money. We are barely paying our bills right now and it is really taking a toll on our marriage. –Concerned about Money
Dear Concerned:
Yes, the fighting about money adds to the pain of a “not enough” situation. Usually, money is about power...who gets to DECIDE, is it “our” money, or (cus i earned the paycheck) “mine”, etc.
And it can be about organization style. If one person is organized and plans ahead…and another is “whenever,” getting bills paid timely is challenging. To the planner, it’s OBVIOUS that waiting makes the situation worse with late charges...but that’s not obvious to all. Family history on how money is handled can confuse you both and what each of you thinks is IMPORTANT…can vary. In fact, each of your views of the world and “them” is involved. “The [insert: doctors, medical insurance companies, credit card companies] are all money-grubbing....I don’t trust them!!”
No one person is usually right or wrong in the handling of money.
Some situations I have heard about:
Some suggestions on how you can both begin to address this challenge as part of your overall situation:
- “My stepkids insist we need more soda. I was not brought up to drink soda, so I don’t think this is an important or urgent family expense”
- “I see you have planned to pay all the bills, but I see no funds left for fun. That is not how I want to live.”
- “I dont want to pay the whole bill off. We might not have the money next month.”
- “That can’t be the charge for just two doctor visits...I know they tried to talk me into scheduling a whole bunch...maybe they are charging for that!” [That would be illegal...so it’s usually NOT how medical offices behave and, yup, two physical therapy visits CAN cost $671.]
- Agree to set aside some quiet alone time to talk together about where you’re at, and where you hope to be headed as a family. Discuss some positive and negative things that have happened to change your situation, and some things EACH of you has done to help improve the situation.
- Each of you take a few moments to list YOUR five top priorities within the family, such as: 1. keep the rent/mortgage covered, 2. have some fun (hint: there are inexpensive and very cheap ways to do this...if ya think about it…), 3. pay 50% of the gas and electric bills (someone needs to talk to the utility company and see if that will fly for awhile), 4. pay off $100 on each car loan each month....
- If you can’t readily, or without heat or slammed doors or raised voices, make the Family Top 8 list from these lists....you need to think about working on how you make decisions together.
[We would really like more questions to answer, so send ’em in….]
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Copyright © 2014 by Susan C. Price
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Thank you, Susan, for advising on the question, Can you help me and my spouse? We are fighting about money!
ReplyDeleteYou give some great suggestions! I know some people who can benefit from this.
ReplyDeletethanks mandy!
ReplyDelete