Credit Card Consolidation Loans
Credit Card Consolidation Loans – Wives often wish to spend more quality time with their husbands. If you have different interests this can be difficult to do. One of the best ways to find time to spend together is to do something productive. In other words, do something that needs to be done anyway, but do it together. This can include cleaning the garage, exercising, or running errands together. One of my favorite things to recommend doing together is working on your finances. Here are several ways to spend time together improving your money situation.
1. Attend a financial class or read a book on finances together
This is a great way to spend quality time. One reason is that it will cause you to discuss important aspects of your finances. The class or book will act as a springboard for great conversations. Many women even enjoy hearing their husband read aloud. It helps wives who have men of few words hear their voice without nagging them into conversation. Search for classes in your area, search online, or ask family and friends for recommendations of both classes and books.
2. Develop a filing system
Most of us are not very good at keeping things organized. It is not exactly a fun task to go through all of your papers and organize them. The important thing to remember is that it is not just about the task that you are doing. Look at it as a way to spend quality time with your spouse while you just happen to get a very important job done. I am not that concerned with how you set up your filing system, the important part is that you just get one set up.
It is hard to improve your financial situation if you do not know where you are at currently. And it is hard to know where you are at currently if you do not know where to find your personal financial information. Things such as bank statements, 401k statements, and credit card bills should all be easily accessible. Set aside one full day to get all of your financial documents organized and filed.
3. Do a budgeting
I truly believe without a doubt that you will not meet your full financial potential as a couple without a written budget. Without a plan, money will flow out without you knowing where it is going. You will stretch your dollars much farther when you tell your money what to do before each month begins. Notice I did not say that you are looking back at what you spent. My definition of a budget is telling every dollar what do before each month begins. As you sit down to discuss next month’s spending, it will allow you to spend quality time discussing and agreeing on a plan together. I know it may come with some heated discussions, but if you both act like adults and listen to the other person, it will be a great way to build intimacy in your marriage.
4. Discuss your financial dreams and goals
I cannot think of a better way to spend quality time together than dreaming together. Often, married couples forget to dream together. It’s something you most likely did when you were dating. You dreamt about what it would be like to be married someday, to have children, even how beautiful your wedding day would be. For some reason, soon after the wedding day the dreaming stopped. Start dreaming again.
Mandy and I often dream about our awesome RV trips we are going to take when we are retired. Or we dream about the amazing things we can do with our money to bless other people as we build wealth. You may just start with discussing your short term goals for the next 12 months. Maybe you want to pay off $15,000 in debt over the next year. Maybe your goal is to pay cash for a vacation. Either way, communicate what those goals and dreams are with your spouse. It is much more fun to dream together.
5. Get your legacy file in order
Your legacy file is what Dave Ramsey calls the “Love Drawer”. The idea is that if something tragic were to happen to you, there is a file or a drawer of files left behind for your loved ones. It would include your will (which you need to put together if you haven’t), powers of attorney, and other important documents. A list of all of your bank accounts, insurance policies, and investments is a must. Make it easy on the loved ones you leave behind so they do not have to go chasing around all of this information. It’s not fun to think about, but it is a great way to show love to those that are important in your life.