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spiral2grow, a counseling center in NYC, provides financial counseling for individuals and couples. Our couples counselors, marriage therapists and financials counselors help building healthy relationships by providing the necessary financial management tools. spiral2grow, located in midtown Manhattan at 260 Madison #8023, New York, NY 10016, offers proven couples counseling, marriage therapy and financial coaching in a variety of formats: individual counseling, couples counseling and, marriage therapy.
Money is a desirable commodity that most people wish to possess. It evokes many emotions and strong believes. Not only do attitudes vary, but personality traits, upbringing, life circumstances and social perspectives mold one’s relationship to money. No wonder that financial and money issues are a common source of conflict between partners and often cause stress, anger, distress and unhappiness. No matter what differences couples have, how long you have been married, couples can benefit from discussing their financial issues:
Establish an equal status for both of you in financial choices. Don’t attached moral values to personal choices and decisions. Being frugal is no more honorable than being a responsible spender. Abstain from feeling more powerful if you are the sole or greater earner in the family. Your partner is doing his or her share in carrying the rest of the family’s load.
Establish a spending plan. Make a list of your fixed and flexible expenses and discuss how you will address them. Make decision how to spend.
Develop a family budget, even if you are meeting all your monthly expenses, to become more fully aware of all the fixed and optional expenses.
Plan for the immediate and distant future. Before you can create a plan, you must determine what you want to achieve. Discuss your financial wishes for the present and future and the meaning they have for you. Often the mere wish may seem frivolous, while the deeper meaning provides the insight that makes accommodating it worthwhile. Make a plan for how you will handle unforeseen expenses. Decide when and how you want to retire.
Be on the same financial page. Many couples make assumptions about their spouse’s financial expectations. This is an opportunity to make sure that you are on the same page. Finding out the meaning you and your partner hold, having a mutual understanding and respect as well as reaching mutual agreement about financial matters can tremendously impact your relationship for the positive.
Creating and implementing a written plan will minimize your stress and help you meet the inevitable challenges that life will bring with confidence. Solving financial problems and differences requires equality, respect, openness and consideration with healthy communication skills and effective conflict resolution skills. Using these tools can lead to a deeper connection between partners. Remember, even in the best of times, developing and sustaining a successful marriage is hard work. One of the top stressors in a marriage is financial hardship. It’s never too early or too late to create or adjust your financial plan.