Relationship
How to deal with an overspending spouse
• Time to do some management
So how do you deal with a spouse who seems to blow money at the slightest whim? Be as gentle and as loving as possible, but assertive in your mission. Here are steps you can take to deal with an overspending spouse and improve your situation.
Changing your spouse’s spending habits may seem like jumping a giant hurdle, so it is best to take the process in baby steps. Follow the procedure below in order to minimise the stress of taking on this large and often intimidating task.
Approach your spouse lovingly
Do not begin by accusing your spouse of wrongdoing or by pointing out faults. Deserved or not, this sort of treatment will only drive a wedge between the two of you and make it harder to communicate. Instead, approach the subject in a loving manner.
For example, explain that you want to start monitoring spending habits as a couple, and then start a discussion from there. Another tactic is to discuss ways to save up for something really important like retirement. Drive home the point that you are a team in your financial efforts. Otherwise, your spouse may resort to lying about spending money to you.
Set up a budget
If you have yet to make a budget, take this opportunity to set one up together. Sign up for an account with Personal Capital. The tools they have will make it really simple to start having productive conversations about where the money is being spent. If you do have one, this may be a good time to revisit it and possibly revise it. Work together with your overspending spouse to figure out what your total income is and what all of your expenses are. If you can show your spouse that money spent on frivolous items is causing you to go into debt or preventing you from saving, you are on the right track. However, it’s ideal if through the creation (or revision) of your budget, your spouse can come to this conclusion without you having to point it out.
Decide on how to control spending
If you were able to get your spouse to see the error of his or her ways, that was at least half of the battle. Now, you need to help control the spending. One way to do this is by allowing both of you to only spend a certain amount of money each pay period. I recommend using the envelope budgeting system because it utilises cash to hold you accountable to staying on budget. Once you have spent your cash, you are out of money.
Set realistic goals
Once you have talked to your spouse, set up a budget, and decided on a method for controlling spending, it’s time to look at your long-term financial goals. You both need a reason for sticking to your budget and need something to work towards. Do you need to get out of debt? Make that your first goal. Do you need to save up an emergency fund or start working towards saving for retirement? Those are also very important goals.
Tip: While you create financial goals, it’s also a good idea to make goals to strengthen your marriage, such as planning frequent date nights.
Hold regular financial meetings
Reaching your goals will be a process, and if your spouse has a habit of overspending, it may take some time to break. Hold regular financial meetings to monitor and discuss your progress. You may find that some months you regress, but most likely, you will see an emerging trend of improving finances. Use this information and the meeting time as a chance to praise your spouse and encourage each other to keep working towards your collective goals.
To be continued…
Relationship
What you should expect to learn in pre-marital counselling
- Pre-marital counselling involves couples coming together for joint therapy sessions
Many times, pre-marital counselling involves couples or partners coming together for joint therapy sessions. Working with a qualified marriage counsellor or therapist, you will learn skills to help improve your relationship as a couple.
At the same time, it is not all pre-marital counselling that leads to marriage. It is possible that certain discoveries (and major red flags) could emerge during the counselling sessions, and for that reason one of you may want to discontinue the marriage process so as to avoid any future regrets.
From my experience and professional practice, I would say that no matter how painful it is to break up a relationship prior to marriage; it is still far better to do that than to break up your marriage relationship.
The marriage breakup has more serious implications than any pain that could emerge from relationship break up.
In some instances, the specific topics to be explored and skills to be developed in your pre-marital counselling sessions will depend on your needs as a couple.
Despite this, I would give you all the topics and skills to expect your counsellor to take you through in order to have a happy and lasting relationship.
Even if you are not considering pre-marital counselling at the moment, you can still benefit from these skills and topics. They are also an excellent way to create depth in your conversations and build a solid healthy foundation in the early stages of your relationship.
Not in any specific order, I would like you to take note of these important skills and lessons you will learn in your sessions: 1 understanding the concept of marriage, 2 building a strong foundation for your marriage, 3 examining your expectations leading to your marriage, 4 undergoing medical tests and sometimes mental health assessment, 5 resolving conflicts together, 6 communicating openly and effectively, 7 taking decisions as a couple, 8. building a strong Christian home (if you’re Christians), 9 building transparency and trust, 10 knowing yourselves: your strengths and weaknesses—and how to improve them, 11 building commitment towards the marriage and each other, 12 accepting your unique roles and responsibilities in your marriage, 13 planning your future together, 14 sexual intimacy in marriage, 15 bearing and raising children, 16 understanding the concept of love, 17 the role of love languages in experiencing marital happiness, 18 managing your home finances, 19 defining your beliefs and values, 20 adjustments in marriage, 21 balancing love, work, and family life, 22 relating with your in-laws and third parties, 23 creating your unique marriage and family rituals, 24 engaging married couples to learn from them, 25 understanding divorce and what causes it, 26 Christian view on divorce, 27 preparing for your marriage ceremony, 28 planning for your honeymoon and how to maximise it, and finally, 29 making your first year of marriage count.
To be continued …
Source: Excerpts from ‘Preparing for a Happy and Fulfilling Marriage’ Book by REV. COUNSELOR PRINCE OFFEI (Psychotherapist and Marriage Therapist). https://counselorprinceass.wixsite.com/edu-counseling-psych
https://princeoffei22.wixsite. com/website-psychologist
https://princeoffei22.wixsite. com/website
COUNSELOR PRINCE & ASSOCIATES CONSULT (CPAC COUNSELLOR TRAINING INSTITUTE)
Relationship
Tips for creating healthy working relationships
We spend around a third of our lives at work. Our jobs and careers make a real impact on our overall levels of happiness. Having good work relationships will always make our jobs more enjoyable
Also, when we have great workplace relationships we will demonstrate cooperation, trust and fairness, activating the reward centre of our brains which encourages even more positive interactions.
Here are some tips to create healthy relationships at the workplace.
1. Focus on self-awareness
This means taking full responsibility for your words and actions, not letting your own negative emotions impact the people around us.
If you feel frustration or resentment towards others this will manifest in what you observe and the way you engage.
By developing your own Emotional Intelligence, you will become more adept at identifying and handling your emotions be able to recognise the needs of others.
Again, if you view colleagues with compassion and respect, you will improve your interactions and build strong working relationships.
What would happen if you stopped making judgments and embraced a positive appraisal of your co-workers? If we saw difference as something valuable that could be harnessed and actually enhance your perception and understanding of those around you? Your vibe will always attract your tribe.
2. Be open and honest
A good relationships depend on open, honest communication. Whether you are sending emails or meeting face-to-face or on video calls, the more effectively you communicate with those around you, the better you will connect. It is important to identify the nature of your relationships with others.
What is it that we need and what do our colleagues need from us? Once you know the fundamentals of what you need you can be clear with communicating and better understanding each other’s requirements.
3. Practice active listening
Good people skills are essential. How good are you at collaborating, communicating and managing challenge? People respond better to those who truly listen to what they have to say. By practicing active listening, you will talk less and understand colleagues more and you will quickly become trustworthy and have more successful interactions.
One key skill you can forget when listening is the power of a good question. Active listening is engaging in what you hear, asking questions such as ‘What would you like to happen?’ How can I help you address that? Shows you listen and you care.
4. Avoid bad people skills
Good people skills mean avoiding the bad people skills. Gossip and negativity can ruin any workplace relationships. If you are experiencing challenge with someone in your group, talk to them directly and kindly about the problem, be prepared to listen attentively and objectively.
Gossiping or colluding with other colleagues will only aggravate the issues, accelerating mistrust and animosity.
5. Give praise and feedback
Everyone wants to feel that their work is appreciated and to feel truly valued. Genuinely complimenting the work and actions of those around you is a great way to build relationships.
Be honest, precise and authentic when delivering praise. Thank you or a gentle word of encouragement can make all the difference to someone’s day. These positive interactions can have a ripple effect and create a much happier and more successful workplace
