There are a certain amount of money questions that should be asked in a relationship but both partners often avoids them.  Here they are:–

1  Do one or the other in your marriage or partnership moan about how much money the other one is spending?

2  When the bill arrives from your credit card provider each month, is the amount you have to pay a lot higher than you had anticipated?

3  Is your closet overflowing with dresses, suits and footwear that you just would not be able to wear however hard you tried?

4  Are you always on the look out for the latest gadgets and need to buy them before anyone else?

5  Have you ever seen something being displayed or demonstrated in a store and buy it there and then even though it was not and had never been on your shopping list for the day.

I suspect that there are very few couples who can honestly answer “No” to all of those questions which means that we can all spend money impulsively even though it is simply a bit of retail therapy.

It is not a good habit for you, your partner, spouse or family. When we spend every cent that we earn impulsively, we are much less likely to be saving for the important things in life such as a new home, a car or that super holiday.

Maybe it is time to think seriously about the things that you really want to achieve in life and start planning for them rather than spending all your money as soon as it reaches your checking account.

Spending on impulse is great for a while but if it continues it will certainly cause challenges for the whole family, emotionally as well as financially. Let us assume that you recognize the problems that may occur and want to start to put things right.

The first idea is to take a look at what you need and what you want, they are not the same thing.

We are encouraged to waste our money by the clever advertisers on television all the time. When you see something that you think looks like your next exciting must have purchase I recommend that you do nothing for at least 24 hours.  Then at the time think whether it is a need or a want for you.

On your weekly or daily shopping trip decide what things you need before you go.  Make a list of them and do not take more money than you need to cover your needs. Forget your credit cards on this trip, do not take them shopping with you or you will start buying the wants again.

If you get tempted by something you will have to take the obligatory 24 hour cooling off period before actually making the purchase.  In fact, it is better to take a lot longer than that.

I hope that this has given you a recipe to keep control of your finances and maintain a happy personal relationship at the same time.


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