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Financial Security in Relationships

This is a guest post.Getting_Finances_Right

 

 

 

Relationships, as most people realize, can have their ups and downs. Yet it often seems that the “downs” increase with financial uncertainty: money – or rather the lack thereof – can be a major point of contention in even the most concrete of relationships.

 

The Attractiveness of Financial Security

Marrying for money has long been looked down on by society. However, marrying someone for their bank account is a world apart from being attracted to someone because of their financial security. A person who has financial security demonstrates that they’re responsible, hard-working, and cognizant of the future. These are all qualities that are attractive to the average person. Having financial security also removes a stressor – and a major one at that – from your marriage or partnership, while allowing qualifications for must-haves: a home, a car, a nest egg for a rainy day.

 

Merging Your Finances Together

Even if two people who are both financially responsible marry, there are some things that they must be aware of prior to merging their finances together as one. It’s important to keep in mind that after you’ve married, your portfolios do as well. This means that anytime you apply for a loan, try to get a credit card, or visit the bank, the income, credit score, investments, and financial habits of your spouse will also be considered. This can either hurt you or help you.

 

Advantages to Shared Finances

Some couples absolutely refuse to share money, opting instead to have separate bank accounts instead. While this may work for them, there are benefits to shared accounts. For example, separate pools of money can be highly difficult to manage when children are involved. They can also present difficulties when it comes to paying joint expenses, such as the mortgage, groceries, home needs, and utilities.

 

Another benefit to merging finances is that it limits a person’s ability to splurge, at least if there’s an agreement between the married couple that states big expenses must be discussed beforehand. A joint account can also make people more likely to stick to a budget and manage their money efficiently. If this becomes overwhelming, a wealth management company can always help make things easier.

 

The final benefit to sharing your money – at least compared to those who don’t share it – may be a happier marriage. According to the NY Post, a 2013 study found that people who pooled 80 percent of their salaries were happier than those who pooled 70 percent. People who pooled 95 to 100 percent were the most happiest. The reasons for this may vary. Sometimes, it’s an issue of trust with those who share money believing their spouse trusts and respects them more than those who don’t. Other times it’s simply about having nothing to hide.

 

The biggest reason appears to be that those who don’t share money tend to argue about it more. They not only argue about what each individual is doing with their money, but they also fight about wage and salary inequality and accusations from one to the other about not carrying their weight. This doesn’t mean that every married person in the world should share money, but pooling it, at least for some people, may give you one less thing to worry about.

12 Quick and Easy Dinners for Back to School

This is a sponsored post with Foodie.com.

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School is only a few weeks away. Along with school we will have after school activities, homework, projects and sports. Who has time to make a home cooked meal? You do! I found 12 great quick and easy recipes for you to make your days easier.

 

Check out 12 Quick and Easy Meals

by anne crane at Foodie.com


 

 

I have not used my crock pot for much these days but this school year I ill be trying out some new recipes!

 

                                            What’s your favorite quick and easy dinner?

I’m Back From Vacation!!

We got back from our trip on Thursday. We went down to Orlando for a week just to get away. No big parks just some smaller activities and the pool.

I will post about all of our events but he are two pics from Aquatica and Boggy’s Creek Air Boat Ride.

aquatica

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Three Things A Mom Needs When Vacationing In Benidorm

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Benidorm is one of the more popular towns in Alicante, and features everything you need for a perfect family vacation. Benidorm holidays 2014 are all about fun and relaxing beach activities that are backed up by beautiful surroundings. Your kids will enjoy the gorgeous beaches and clear blue water, and you can relax in the evenings at one of the many family-friendly Tapas bars.

However, there are plenty of things to remember when packing for your Benidorm holiday – here are three essentials we recommend.

Sunscreen

Although this one’s obvious, it should be at the top of everyone’s list. Children’s skin is delicate and can burn easily, especially if you’re outdoors on the beach all day. Make sure you get a water-resistant, broad spectrum sunscreen for maximum coverage, and remember to reapply frequently. Remember to protect yourself from the sun so as to enjoy a hassle-free beach vacation.

European Plug Adaptor

Essential yet easy to miss off your packing list, a good adaptor is needed to charge your camera to capture those special moments. It will also keep your mobile fully powered for keeping up with news from home, or staying in touch with friends. For those who love to get stuck into a good book on the beach, it will also keep your e-reader charged and ready to go.

Beach Games

What better way to enjoy some quality time with the family than stirring up a little competition! A beach cricket set can provide hours of entertainment for all ages, or why not get some Wacky Splash rackets for some water-based tennis fun? Frisbee is also a classic beach game that takes up very little luggage space, and you can even buy a beach version of Twister. All of these games can be played one-on-one or as a group, ensuring everyone can join in.

These items can help make your holiday in Benidorm that little bit more complete. Start preparing a week or more before you travel, and make a list of items to pack as you think of them. That way you can be sure of a smooth vacation with minimal fuss.