life help: How do you keep fights about money and etc. - Help.com

missyr2006
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How do you keep fights about money and etc.

from ruining your married life?

How do you simplify life? I’m 19 years old, married and happy with my husband, but because of some miner trouble we got in we both now have horrible credit and want to get a loan to fix it all, but don’t own a house. I feel it’s slowly tearing us apart because we always fight and I just don’t know what to do anymore. Do you have any advice to possibly help?

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jennterry offline Verified User (2 years, 4 months) Long Term User Shouts: 1 #
An Unknown Location | 2 years, 3 months ago (10 hours, 10 minutes after post)

HI there, newlyweds, huh? Well, I have been married this time makes #3, but been threw alot in the 10 yrs with the #husband, 5yrs with #2, now just remarried Jan 6-06, I am only 31 yrs old, my new loving wonderful husband is 22, we get along great and he fathers my two kids ages 14 and 9 like there his own…I know how money problems can affect a marriage and a family.. I say get on a budget, sit down and just lay it all out in front of you both and see it all in balck and white, bills… We manage to get ourselves in this debt easier than we know, it hits you often fast at the worst of moments, I know. Struggling to make it on top right now as we are speaking… Just first off talk, dont yell or stress out over bills, you cant controle this if you are both upset or angry. I know that’s hard to say but step back and realise that you both really do love eacchother and you can and will make it threw this, focus on that…. You managed to get yourselves into this and you will get out, just trust eachother and talk, comunication is a # 1 rule, if you cant talk to him, then can he talk to you, one of yall must be the level headed one, or share that…. It’s all within you both…I hope that I have been some help, if so lets talk more okay, thanks Jenn from Alabama

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jennterry offline Verified User (2 years, 4 months) Long Term User Shouts: 1 #
An Unknown Location | 2 years, 3 months ago (10 hours, 13 minutes after post)

Also the wanting to own a house is everyones dreams, hey I am 31 and rent, sometimes you just have to crawl before you can walk, ya know?? Just slowly rebuild your credit apply for a small credit card, only just use it for gas each month , now but dont charge more than you can pay at the end of that same month, that way you have a revolving account and as long as you pay it right you can slowly rebuild your credit, welll bye for now talk to yoiu later Jenn from Alabama

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otuo198 offline Verified User (2 years, 2 months) Long Term User Shouts: 0 #
An Unknown Location | 2 years, 3 months ago (10 hours, 59 minutes after post)

hi,it not easy but everything is going to be allright.talk to ur family maybe there can help u.

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Queen Elizatron 4000 offline Verified User (2 years, 4 months) Long Term User Shouts: 1 #
An Undisclosed Location | 2 years, 3 months ago (16 hours, 42 minutes after post)

I got married when I turned 18 and I’m 23 now. My hubby and I whet threw that. No money renting from family. The best thing to do is to get rid of any credit cards you have now. Cut those bad boys up! Pay a little over each month say it’s $60 a month pay $70, that way it knocks it down faster. Start saving $10.00 a week and leave that money in savings that’s for your down payment on a house. Save for two years or until you reach the $2,000 mark once you have got that much in the bank then try for a loan to get a house. I’m not sure if that’ the right way to do things but that’s how I did it and it worked for me. Just know everyone has been threw it. Even your mom and dad went threw it, Grandma and grandpa—EVERYONE! You will do just fine just keep saving see ya! Elizabeth:)

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pattiej offline Verified User (2 years, 3 months) Long Term User Shouts: 0 #
An Unknown Location | 2 years, 3 months ago (17 hours, 43 minutes after post)

Hey look missy,

Try our hardest to work out your marriage. the #1 cause of divorce in america is financial problems. you all should have your bills consolidated and pay on them either bi-weekly or monthly. another thing, how old is your husband? you both look very young. also do either of you have any family that will co-sign for you on a loan. i know people hate co-signers, but, the reality is…you all need finacial help. i don’t know if you guys have any children, but if you do continue to work hard to take care of them; but if you don’t…..leave them where they are right now!!!! the reason i say that because children can become an even bigger financial problem.

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pattiej offline Verified User (2 years, 3 months) Long Term User Shouts: 0 #
An Unknown Location | 2 years, 3 months ago (17 hours, 55 minutes after post)

Also missy, do not lose hope on your marriage. it can work. i agree with jennterry. owning a home is everyones dream, but i promise you you don’t need the headache. at least with apartment living you don’t have to worry about the maintenance. if something gets torn up, call the landlord…sometimes certain utilities are included. you don’t haev to worry about purchasing major appliances, other than a washer/dryer and you really don’t have to get that right away, go to the laundro mat. you guys don’t even have to get anything huge being just the two of you will live there. also eliminate unneccesary things. (the things you guys can live without.) i know everybody wants “cable” this is a luxury it is not a neccesity. so deal with “able,” whatever channels you all are able to get. the most important things are shelter, food, running water, electricity, and something to sleep on. everything else will come.

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mercsbostikmandl offline Verified User (2 years, 2 months) Long Term User Shouts: 0 #
An Unknown Location | 2 years, 3 months ago (2 days, 1 hour after post)

marriage marriage happly ever after
welcome to the game that you were never told
life seems so aight so bright so vibrant
reality hits the fan can’t run to parents no more

yeah, yaeh which is why? BOSKID comes
to the picture to minimise ur stress
all you gotta do is impress
that lovely beautiful princess
buy a wonderful lexus
so you be able to press
(TO BE CONTINUED……)

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C.M.Theisen offline Verified User (2 years, 2 months) Admin Long Term User Shouts: 5 #
Providence, RI, US | 2 years, 3 months ago (2 days, 4 hours after post)

You know, it might be worth your while to find a professional credit counselor. They are easy to find online if you search for “credit counselling services” in your area. I see that other people are giving you some great advice, but you should have a professional look over your finances and design a plan for how you can rebuild your credit. It can prevent your personal finances from getting any worse and it can put you on track for seriously improving your situation over the long term.

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bootyplump_androun.d offline Unverified User #
An Unknown Location | 2 years ago (2 months, 2 weeks after post)

If you are already in debt a loan will only make things worse. Getting a loan is not a good idea. Saving is the answer!

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C.M.Theisen offline Verified User (2 years, 2 months) Admin Long Term User Shouts: 5 #
Providence, RI, US | 2 years ago (2 months, 2 weeks after post)

It’s not a terrible idea to consolidate the loans you already have into a single loan that charges less interest. A credit counselor might be able to help. Here’s a link to a post that tried to explain how to choose a reputable counselor…
http://help.com/post/7360/credit-coun…

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