It?s happening everywhere, just ask a friend or your neighbor. Money is a real monster of an issue couples contend with. If you happen to be in a relationship that?s on the rocks because of money, especially credit, know that effective communication is crucial to stabilizing your partnership. It?s going to take time and effort from the both you that, sooner or later, one of you has to open up and get the conversation started.
Here are a few pointers to keep to ensure fruitful and constructive conversations.
Check your thoughts and emotions.
People get emotional when talking about cedit. Maxed out your credit cards? Can?t repay your student loans? Check your mental state, that is, what you tell yourself about your situation. Are you feeling positive that there?s a way out of it? Or too dejected to rise above it?
A positive mental state is important when overcoming a problem, especially one as knotty as money. And since you?re going to work on the issue in tandem, it?s also crucial that both you and your spouse maintain the ideal mental attitude: positive, proactive and persistent.
Be open. Don?t be afraid to show your weakness.
Surely, many of your money habits are formed before marriage and the sources are multiply. If you?re struggling to repay student loan debt for years or you just can?t make yourself pay credit card balance on time, tell your significant other about it. Keeping it a secret will only make matters worse. It doesn?t matter if your partner decides not to help pay off your debt. What?s important is that he or she is aware and can make informed decisions on managing the family?s finances. You can choose to combine your finances, separate it completely, or selectively combine or separate them by categories. The goal is to arrive at an informed decision together.
You are each other?s best support.
So what now after learning of your spouse?s financial weakness? ?Til death do us part is a serious commitment to a relationship where both parties benefit from. To suffer jointly is not what marriage is all about. To persevere and grow together amid all of life?s blows, that?s what relationships are ought to be. Influence your partner?s money habits for the better. Help him or her break a costly addiction, improve a credit rating, and develop a positive money outlook. Is your partner having a hard time managing credit alone? It?s common for busy professionals to miss due dates and regular credit checkups. Why not volunteer to have your credit reports and credit scores checked for free via AnnualCreditReport.com and Credit Karma. It won?t take time, you?ll be surprised to learn that there are specific areas in your credit accounts that needs immediate improvement. The upshot is that both of you have signed a contract to support each other in financial sickness and in financial health.
Happy marriages and stellar scores have a lot of things in common.
For one, both are products of lifelong persistence. They require hard work, a lot of hard work, and an indefatigable approach to challenges of all sorts. Don?t let individual character differences get in the way. Of course, introverts and extroverts can live together and pay their credit card bills on time. Find in your partner a trait that complements (not clashes with) yours. Try to see things from his or her point of view and don?t push your own ideas as if these alone matter. You might be surprised to learn that your own biases and prejudices keep you both stuck in a financial quagmire.
Seek financial advice from friends and professionals.
Friends, especially older and experienced ones, can help shed a light on your credit-related decisions. If you still can?t reach a decision after several attempts, consult a friend you trust for being money-wise. Ask him or her for advice but make sure your spouse is justly informed.
If money-wise friends are hard to find, try consulting a credit professional and discuss your options. Also, don?t forget the plethora of free credit information available online. Websites like Credit Karma, Credit.com and Quizzle contain many must-bookmark pages on credit.
Ready to revive your credit and bring back the marital bliss? Start the conversation today!
Source: http://www.freecreditscore.net/2012/09/communication-key-dont-credit-ruin-relationship/
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