Six Smart Money Moves for Married Couples

The married life gets underway when the couple exchanges vows. Sound marriage advice can help newlyweds establish and maintain a strong bond with each other. When a couple first starts off, most advice will be geared towards how to love each other despite differences, how to talk and be understanding, and how to compromise where needed. But finance is one important subject that married couples cannot afford to ignore.

Have you ever noticed that books and other publications distinguish between personal finance and family finance? Finances can get especially tricky when multiple people are involved. In this article, we are going to take a look at a few powerful money tips for married couples.

Create a Written List of Money Rules

Household budgets and family goals will have a direct impact on the marriage, so it is important for you and your spouse to create a written list of money rules. These rules will help you both stay disciplined when it comes to saving money, spending money, and taking care of expenses. The list of money rules will help you and your spouse stick with realistic guidelines that will govern the household income properly.

Eliminate Debt

Marriage advice is not sound if it does not address debt. Debt is notorious for causing problems for married couples. Unfortunately, many people accumulate debt and bring their debts into their marriage. It is not unusual for one to have an outstanding student loan and outstanding credit card debt when entering a marriage.

You and your spouse should create a solid plan that will help eliminate debt surrounding your marriage. Start by transferring balances from high interest credit cards to credit cards with a lower interest rate. If the balance cannot be transferred, pay off the credit card with the highest balance or highest interest rate first. In the meantime, be sure to pay the minimum on the other credit cards.

Cutting down on unnecessary expenses can free up money that can be used toward debt. Personal finance and family finance can be mastered if couples learn how to keep their priorities in order. The beauty of being a couple is that you have each other for credibility and to keep the other in check.

Live on One Salary

Married life is not fun if you and your spouse are facing stressful money issues related to future plans. A few money issues that plague married couples are college tuition for children, retirement savings, and capital for the dream home.

Is a dual income supporting your household? If so, you and your spouse should consider living on one salary. This will help you and your mate save a tremendous amount of money for future goals.

Emergency Funds Account

An emergency can take place at any time. Creating a budget that involves putting money into an emergency funds account can help you and your spouse prepare for unexpected expenses. Many leading personal finance and family finance experts encourage married couples to deposit at least $100 into their emergency funds account every month.

Insurance Coverage

As newlyweds, you need solid protection against massive medical expenses and a long-term disability. Your employer may offer disability insurance, but make sure that it is enough to cover you and your spouse’s primary needs if you get sick or injured. There is a possibility that your illness or injury may hinder you from working for several months.

Other Income

Passive income is one route that should be examined by you and your mate. Passive income can come from assets that generate monthly revenue, or you can also get extra income from less consistent jobs. Freelance work allows people to use their skills (like writing, art or website design, or furniture-making) to make income on the side. Day trading or trading stocks can give a big return on investment in just a few hours a day when done properly. Rental properties can generate dependable monthly income for your family if you decide to invest in real estate this way. Whatever it is that you choose, remember that the decision should be made together!

 

When taken, sound marriage advice can help strengthen the bond of a couple. Though it’s not a light topic for the honeymoon, personal and family finances should be discussed to ensure the stability of the household—both currently and in the future. A little bit of organization and the right about of conversation can help any couple master their finances with ease.

 

What is the lifetime protection price policy at Merchant Accounts?

Today’s small business owners face a whole host of challenges that were nearly unthinkable a few decades ago. As technology booms the business world shrinks as a result, business owners find themselves looking for options to help make running their business as efficient, simple, and profitable as possible. This is where a great merchant account processing service is vital. You need a service that provides top tier products and customer support – a service that understands how to help you succeed. You need a service like Merchant Account Solutions

Merchant Account Solutions

Established in 2007, Merchant Account Solutions has been providing business owners with quality service for almost a decade. They offer unparalleled customer support in addition to great pricing and even better equipment. For all of your merchant account processing needs, Merchant Account Solutions can offer a well-priced solution that is both competitive and high in quality. Even better is the fact that they also offer something known as a lifetime protection price policy.

Lifetime Protection Price Policy

Merchant Account Solutions believes that you should be able to count on the service that you pay for. They also believe that you shouldn’t have to pay for a service that keeps rising year after year without providing anything new or novel to the lineup. This is one of the reasons why they have decided to offer a lifetime protection price policy. This policy states that they will always match or beat a competitor’s pricing when it comes to integrated card services. That means that you can work with Merchant Account Solutions even if you find a lower price elsewhere – they will match it.

When you need a fantastic merchant account processing service that offers the very best in low rates, you need Merchant Account Solutions. They work hard to ensure that you are getting the very best deal you possibly can. Contact them today and see how they can help you save money!

 

 

After All These Years, Do You Know What Your Wife Really Wants?

There is something about married life that seems to follow a pattern, no matter who you are or where you live. The first years are a time of getting to know each other and a time of romance. Of course, there will be that occasional battle because you are getting acclimated to a new way of living and you haven’t yet found that comfortable groove in which to peacefully coexist.

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Both partners are learning to adapt to doing things differently and then one day, you realize that suddenly it just all seems to fall into place. However, after years of marriage and being comfortable in each other’s presence, do you really know what it is your wife wants from you and from your marriage? Most men will admit they’re clueless, so here’s a bit of advice.

Women Want Comfort and Then Again, They Don’t!

If asked what their wives really want from their marriage, most men will say, “I come home after work every day. I don’t go out with the guys and I don’t cheat on my wife. Anything she wants to make her life easier, I find a way to get it. I make her life comfortable and secure. That’s what she wants.”

But, is it? Yes, a woman wants to be secure and she wants to know that there are no others in your life. She likes it that you are home at night and that she doesn’t really ‘want’ for anything. But that’s not all she wants.

Are You Really at Home Every Night?

If you come home and immediately go to your easy chair with remote in hand, are you really at home? Are you really there? Sometimes a woman just wants to talk about the day. She wants your company. That’s why she married you! There’s something to be said about being ‘too comfortable’ and it isn’t going to be something you probably want to hear.

What a woman wants is a little excitement from time to time, a little romance, a candlelit dinner for two at your favorite restaurant. It’s too comfortable and predictable being at home night after night and because of that, there’s something missing. You must feel it too?

She Wants You to See Her – Really See Her

You are getting ready for your annual Christmas party at work and as usual, your wife comes out and asks the same question every wife on every continent is known to ask their husband. “Do I look alright in this? Do you think it makes me look too fat? Does it look like I’m trying to dress too young for my age?”

But, is that really what she’s asking you? What she wants to know is what you think of her. Is she still beautiful in your eyes? You should never wait for her to ask you what you think of what she’s wearing. The moment she steps into the room you should be ready to tell her she looks amazing. If you wait until she asks you, she will think you are simply telling her what you think she wants to hear.

And Most of All – She Wants You

After all these years, your wife wants to know that she is still the light of your life, that she is special to you. She doesn’t want comfort as much as you think she does! Instead of going to the local jeweler on your anniversary to get her that diamond tennis bracelet, order women’s jewelry that is custom made and one of a kind – just like she is. That says so much more than even the words can express.

Your wife wants to know that you still think she’s the most beautiful woman on earth and that you still desire her as you once did. She doesn’t want comfort as much as you think she does. She wants mystery, romance and yes, you! She wants more than a body in that recliner, she wants a living, breathing man who is there, really there. Are you that man? Let’s hope you are!