Most marriages have their financial ups and downs. It can truly be a test to your relationship with your partner in dealing with the downs in particular. Here are some tips to help you deal with these situations in the quickest and calmest way possible.

1.) Pick the Right Time. Find a non-stress time to sit down and have a discussion with your partner. Me and my husband love to go on evenings out, because it gives us a chance to discuss important issues in a non-stress environment. If you must stay home, make sure the kids are not present during the conversation.

2.) Come Prepared. Write down the matters you have been thinking about beforehand so that you can stay on track during your discussion.

3.) Don’t Get Emotional. Avoid personal attacks towards your spouse. Use “I” instead of “you” when speaking. Don’t be argumentative and state how you feel. Don’t point fingers, and don’t start a fight.

4.) Take Turns. Common courtesy will help you achieve your goals. Feeling equal to your partner will come with a general respect between you and your partner.

5.) Make a Plan. Discuss the situation and future plans with your spouse. Make sure you have a basic budget in place and discuss you and your partner’s vital steps in your financial future. Compile a money to-do list and check your progress often.

Remember the love you have for each other during the conversation, and listen

Also, to what your partner has to say during the discussion. If it seems to be a bad time in general to talk about it, remember that there will be another opportunity to let your partner know how you feel. Let it go and pick a better time in the future.

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