Couples, Are You Taking Care Of the Business Of Your Relationship?

For those of you that think love is all roses and fairy tales you might need to take another look.  If you think that you fall in love and the rest of your life is smooth sailing you are in for a shock.  That is why it is important that you understand there is a business side to love.  When you are in true committed relationship there is a sharing of everything.  That means your time, experiences, and your money.  So many couples forget to spend time on the business side of their love that it blows up on them one day putting huge stress on their relationship.  Don't let this happen to you take time to have a business meeting once a month or week with your partner.  So you both are on the same page financially.  Believe me it will make the rest of your relationship flow a lot smoother.  

Here is a Great Book To Help You Out. 

Click Here To Pick It Up On Amazon

Sexually Charge Money So It Works For You

Hi Ho, Hi Ho, It's Off To Work We Go

....and/or manifest money in a new way

Find out how to make love to your sweetie in the privacy of your home

and sexually charge your money to work for you!

Money Matters - Make a List and stick to it.

Money is always a concern when you are in a relationship. However said two people can live as cheaply as one was crazy. My couples money tip today is for you to make a list before you go to the grocery store. Go through all you cabinets and cupboards and make a detailed list of things you are out of or want to pick up for upcoming meals. Be specific down to what sides you are going to have with what meat. Plan out the whole weeks worth of meals and snacks and complete you list. Now come the tough part, when you get to the store stick to the list only. The grocery stores are set up to attract your attention to buy things you didn't really want with flashy displays and placement of the products. You both have to be strong. Another tip is eat a meal right before you go to the store so that everything and anything doesn't look wonderful. With a little self control you will soon find yourselves saving a lot of money and using the things you purchased. Next time you are on a wonderful vacation thing about how you might not have been where you are if you bought $40-$50 dollars worth of junk at the store?

Use the ice block method for major purchases.

Spending money as a couple is quite hard to avoid. However impulse spending is easy to avoid all you have to do is turn to your freezer. Take your credit card you use to purchase these impulse items and find a tub and fill it with water. Next place the credit card inside the tube and put it in your freezer. Then the next time the two of you want to purchase that silly home decoration instead of rushing out and putting it on your credit card you will have to wait for the thaw. Yes then set the block of ice out containing your credit card and you have to wait until the block completely thaws out to make the purchase. Usually what will happen is that you will realize during the thawing process that you don't really need that item that you had to have just days ago. This method has been around for years and has helped many couples avoid financial hard ship. If one or both of your are impulse shoppers then this method could save you bundles of money.

What to do when things are going bad!

Never discuss problems in the bedroom, they should never enter your thoughts when you in this area that is designated for love.

What do you do as a couple when things are going bad in your life. These things can make it tense in your relationship and can even cause problems, which is the last things the two of you need. When things get tough the one thing you need to do as a couple is pull together. Make your relationship the rock in your rocky world right now. No matter what is going on in your life, being able to come home and be comforted and able to leave all the stress at the door is a big plus. No matter if it's problems at work, troubles with your parents, or even financial troubles. Make it a point to talk about them outside of the house and leave them their when you come back in through the door. Go out to eat and discuss your troubles over a meal,or go to the park and find a bench somewhere, or you can even just take a drive to discuss the situation. No matter what it is get it all out and talk about it before you come back home. Once home put your focus into being the couple that you are, support each other and make sure to layer on the love and affection for each other. Make your home the safe haven it should be for the two of you.

Financial Troubles

One of the biggest problems in relationships today is financial troubles. Not only do they weigh on the individual but they can really put a stress on your relationship. However, there is no time like the present to do something about your financial crisis before it ends up hurting your relationship. Most people will get angry at their partner when discussing this matters as you feel it is all the other persons fault. If you look at it however if you are in a committed relationship it is the couples fault. Once you get past that hurdle you can both sit down and start to hash out a plan to get you out of this mess. You might need to get more help and hire a financial consultant that can give you insight into how to address situations. Set a budget and stick to it make it a game you can even reward your partner with things such as massages, special dinners or even sex if they help to get the two of you out of debt. Most couples have gone through tough time you are not the first and will not be the last, you focus should be one correcting the situation instead of blaming anything. Amazon has a wide selection of books on the topic of getting finances back in order and you can click on the bar at the side to take you there in a hurry.

Checkbook

One of the most common fights couples have is about money. There never seems to be enough money when you are trying to budget for two or a whole household. Yes we have to set boundaries and budgets yet we also have to have a little freedom. My feelings are that you need to have one checkbook that takes care of your household bills, car payments, insurance, etc. That way the both of you can oversee the finances. This checkbook should stay at the house never to leave. If you need to use it for groceries, or outside purposes, get a debit card. Neither partner should carry this checkbook around with them. That is set in stone, both of you know exactly where that checkbook is at all times. You can designate one or both of you to pay the bills as they come in.

Now here is where I side track from most people. I think that both partners should also have either their own checking account or at least a preloaded debit card. Why? you might ask. Because we all have things we would like to purchase that we don't want to have to ask the other partner if it is okay. Set a predetermined amount to deposit in these accounts each pay period and then hands off the others account. This will allow them to save for things they might want to purchase or to buy you presents for anniversaries, birthdays, or other holidays. We use to keep all our money in one pot and it made if very difficult to purchase an anniversary present for my wife. Either I would ask her for a certain amount of money and then I had to answer 20 questions as to why I needed it. If I didn't get approval first the checkbook would show the deed anyway. Then I would be answering questions like "Why did you write a check to Victoria's Secret the other day" Thus my surprises where always blown.

If you decide to do this you cannot judge the other person on what they buy with their budgeted amount. For instance if you partner saves their money and purchases a $250 ipod. You cannot say "We could have used that money to buy this or that" They have made the effort and sacrificed other things to get this item. Make an effort to understand their purchase, usually most people have a reason to buy something. This technique also helps out if one of you is a classic over spender. Now they are limited to only the amount in their checking account, while the other remains off limits to both partners.

Relationships are tough enough but throw in money problems and they become even tougher. This ours, mine and yours technique gives everyone a little variance and a chance to purchase things without getting approval from the relationship committee. Lastly just to add don't make these individual accounts with credit cards that can be a nightmare only use accounts where you deposit money and that is all you can withdraw.

Click on the title line of this post and go to Oprah's website that gives you more information on finances for couples.