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In an informal, unscientific poll of random people, I asked which of the following three issues was the most common cause of frustration in marriage: sex, kids or money. While many scratched their heads and wanted to choose “all of the above” when I pressed for the best option, the overwhelming majority chose money. Not surprising, whether couples have a lot or a little money, it is not unusual that money conversations and decisions can turn sour in a hurry.

First of all, we have to recognize and acknowledge that we come from different backgrounds and have different ideas about money. Some people think “Money doesn’t grow on trees” and others think “Money is there for the taking.” Can you see how Ann who thinks “A penny saved is a penny earned” and John who thinks “Live for today” may face some conflict in their buying decisions if they don’t discuss money clearly together as a couple?

In business, when a company makes a decision that will require a financial commitment, one of the key players involved in the decision making process is the Chief Financial Officer. This is the person whose job it is to know all the numbers and approve or deny requests based on the financial data.

If your marriage was a business, who would be the Chief Financial Officer? Would you and your spouse be Co- CFOs? Do you regularly de-brief each other on the state of your financial affairs?

When I’m working with salespeople they always tell me they want to sell more and make more money. My first question is “more than what? Where are you right now in real dollars?” If they stumble for the answer and can’t give me a clear cut bottom line number, I know the problem is that they just don’t have a grasp on where they are today.

How do you know if you should pull back and tighten the spending belt or when you can splurge on a fancy dinner or vacation without feeling guilty if you don’t know the numbers?

If you don’t take responsibility for knowing your financial reality it can only hurt you. No good can come of being in the dark when it comes to your net worth and bank account. It’s only more frustrating for the spouse who does look at the finances to talk about money with the spouse who does not understand the finances. Now, I’m not assuming it’s always the man who understands the money and the woman who goes out and spends unnecessarily. It can work both ways. It is not the “CFO spouse” whose job it is to explain the financial position to the other; it’s the other spouse’s responsibility to make sure they understand their situation.

Businesses look at their numbers constantly. If they didn’t consider the numbers in all their decisions they would not be around long. When I coach a company’s salespeople, they have to know on a daily basis where they are in relationship to making their sales goals. How can you make any adjustments if you don’t know exactly where you stand?

Business people have to be comfortable talking about money. In our personal lives, this is as important as it is in business. Make sure you set up a regular “date” with your spouse at the end of every month to spend an hour going through the credit card statements and bank statements. Calculate your monthly expenditures and create a budget you can both align on so you know what you can and can’t do before you have to consult each other on money issues and purchases.

Couples who work together as a team when it comes to money are much less likely to argue about money. Money is one of the most common things people argue about so talk about it regularly and ensure there are no surprises by planning, budgeting & setting goals, just like any business would naturally do.

It’s much easier to make good financial decisions for the family when the “CEO & CFO” (you and your spouse!) of the marriage understand the balance sheet.

This is just one of the secrets to a happy mairrage, know more from Oprah’s Top Relationship Expert, Act NOW!

Unfortunately for most of us, stress is just a part of life. Some stress can be good for us, that little burst of adrenaline that keeps us on top of things mentally. At other times, stress can become an extreme problem that causes physical symptoms, emotional turmoil and even anxiety attacks.

At first, anxiety attacks may occur suddenly and seem like a normal part of being stressed out. If they are not recognized and dealt with, they may continue and worsen over time.

Recognizing the symptoms of an anxiety attack is an important first step to treatment. Though everyone reacts to stress in different ways some common indicators of unhealthy anxiety include difficulty concentrating, racing or uncontrollable thoughts, memory lapses, and feelings of confusion. In order to recognize the indicators for an anxiety attack, it’s important to understand the symptoms of stress first.

You’ll see some of those symptoms in anxiety attacks as well, but you’ll notice more of the physical symptoms when an attack is occurring. Some people experience shortness of breath, pounding heart rhythm, trembling or shakiness within the body, stomachaches and hot or cold flashes.

At the peak of the attack, you may feel as if you’re losing your grasp of reality and self control. At times, sufferers are unaware that they are experiencing an anxiety attack until it’s too late.

Often it is someone else who notices the symptoms of an anxiety attack. Once an anxiety attacks are suspected immediate medical attention should be sought. Anxiety attacks have similar symptoms to more serious, life threatening medical conditions.

Once your doctor has determined that you are healthy overall, anti-anxiety medication may be prescribed and referral to a counselor or licensed therapist may be recommended.

A counselor will listen to the patient’s history and determine what stressing factors could be causing their symptoms. Once the patient gets a handle on the contributing factors for their attacks, a treatment plan would then be set up, based on the patient’s situation. A counselor can help them work through the stressors and show them ways to alleviate the stress causing their symptoms.

There are many websites devoted to the use of relaxation techniques that reduce symptoms to a more manageable level and breathing exercises to improve oxygen intake, which could help slow down a racing heart rhythm.

As the stress in your day to day life increases, there are many strategies for coping. Getting assistance in learning how to manage your anxiety is the first step. Determining the major stressors in your life and developing an effective strategy to cope with them will increase your comfort level and bring hope back into your life.

I highly recommend this website that you can download digital eBooks quickly to your computer to get the help you need. Better Health

After charging for goods and services left and right and living way beyond your means, you end up with maxed-out credit cards and deep into credit card debt.  You will need determination, a strong will, and a goal to escape from this debt. 

Here’s links to help you below.

Get Out Of Debt - The Debt Buster System.
Powerful Information Based On Proven Techniques And Strategies To Get Out Of Debt Without Bankruptcy. Repair Bad Credit Fast!

FREE Goverment Grants! - Looking for fast money from the Goverment? Yes. Money never needs to be repaid for credit cards, homes, small business, sutdent loans, non-profit and more. Discover how to write goverment grants, and get FREE money!

 The best way on how to get out of credit card debt, experts agree, is aiming to pay up the balance with the highest annual percentage rate first.  After that debt is paid up, move onto the debt with the next highest interest rate.

Tracking Your Daily Spending

To avoid falling into the credit card debt trap, take a hard look at your finances and determine how much you can realistically afford to pay each month.  You will need to track your daily spending for a month to get a firm grasp on where your money is actually going.  After tracking your spending, you can better decide how much they can afford to pay toward credit card debt. 

Steps On How To Get Out Of Credit Card Debt

The key to using credit wisely is to avoid unnecessary debt. Follow these steps on how to get out of credit card debt:

·        Take note of all your expenses for the month and classify these expenses by importance.

·        Think about the items you can live without.  

        ·        Separate the needs from the wants.  

·        Arrange your credit card account statements by rate of interest, from highest to lowest.

·        Sum up all your credit card debt balance.

·         After determining your total balance, apply for a low interest card that you can use for balance transfer. 

·        Transfer debt to that new card as much as you can.  Start with the highest interest card first.

·        Start making sacrifices by allocating a greater sum of money for payment of your highest-interest credit card balance.

·        Pay only the minimum amount due on your lower interest cards, while you focus on putting in a greater amount of money on your highest-interest credit card.

 After a credit card has been paid off, close this account so you will not be tempted to use this credit card again.

 Alternative Plan

An alternative plan on how to get out of credit card debt is by paying up some low-balance bills first and eliminating a bill or two from your debt list.   Once those smaller balances are gone, you can revert to Plan A.  That is to pay up the balance with the highest interest rate first. Learn how to get out of credit card debt and you will earn the benefits of having access to standby credit and getting positive credit reports.

Here’s links to help you below.

Get Out Of Debt - The Debt Buster System.
Powerful Information Based On Proven Techniques And Strategies To Get Out Of Debt Without Bankruptcy. Repair Bad Credit Fast!

FREE Goverment Grants! - Looking for fast money from the Goverment? Yes. Money never needs to be repaid for credit cards, homes, small business, sutdent loans, non-profit and more. Discover how to write goverment grants, and get FREE money!