Valdosta Daily Times


January 6, 2013

Budget Diary: Create a new “you”


VALDOSTA — 5. It takes two to budget.

If you’re married or in a serious relationship, it is important to realize that budgeting your finances cannot be done alone.

So much stress and arguing can come from money and often, it is the reason that many couples get divorced or break up.

Whatever rules you devote yourself to, your partner needs to devote themselves to as well.

Me and my hubby talk about finances often and so we are always on the same page. When we first got married, it was overwhelming and difficult and we fought about our debt all the time.

But now, we make bill charts together, we pay our bills together, we look at our debt and map plans together. This way, there is never any finger pointing or blaming because we have both taken responsibility for our debt and our finances together.

6. If you ask, you may receive.

Often times, you can feel stuck in your financial situation. However, you shouldn’t ever lose sight that to a bank and a credit card company, you are a company. They work for you, not the other way around.

If you’re not happy with your interest rate, call and ask for it to be lowered. If you don’t like your bank, change. Sure, you may not always get the answer you want, but if you never ask, the answer will always be no.

Sure, these tips will not make your financial woes vanish into thin air, but they will help make the new year a little less stressful. Happy New Year!

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