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While divorce rates rise and marriage fall apart on a daily
basis, an outside observer of swinging might think that it helps
to cause marriage crises. This is certainly not the case.
Swinging, through numerous individual interviews and case
studies, has been shown to help strong marriages become even
stronger.
Strength in numbers?
When you talk to an experienced swinger, you will find that they
didn't want to try swinging for the sex, but for the experience.
Their marriages may have been plenty strong going into the whole
adventure, but one or both of the partners just wanted a little
something different and new. They didn't love each other any
less, but
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10 Ways to Prevent Holiday Spending From Straining Your Marriage
ROSEN LAW FIRM FOR IMMEDIATE RELEASE December 16, 2005 PRESS
RELEASE
10 Ways to Prevent Holiday Spending From Straining Your Marriage
by Jessie Danninger, CPA, Rosen Law Firm
Everyday I work with couples going through a divorce and I know
finances in general, but especially over the holidays, can be a
real strain on the marriage. Here are a few financial tips for
married couples to prevent finances from putting a strain on the
marriage during the holiday season.
1. Sit down with you spouse and evaluate the money you have to
spend this holiday season. Couples need to know the family
income and cash reserves to avoid overspending or unnecessary
penny pinching. Evaluate your expenses and set aside a
reasonable amount of funds based on real numbers that compliment
the money available. Dont set aside an unrealistic amount that
requires you to charge living expenses.
2. Agree on a budget and stick to it. Plan ahead with your
spouse about who will be responsible for buying which presents
and how much should be spent. Don't forget to budget for holiday
decorations, travel, food and drinks. This will help avoid
disagreements, as well as surprises, when the bill comes due.
Make a pledge that for any purchase over a certain amount of
money youll consult with each other about the purchase
beforehand.
3. Choose appropriate times and places to discuss finances with
your spouse. A busy shopping mall or an inlaws home are not
appropriate places to discuss family finances. Worse, if the
discussion turns into an argument you'll have an audience. When
you need to discuss finances with your spouse, select a time and
place where youre not in a public setting and are able to talk
openly.
4. Donate to a charity. Even if its a small amount, holiday
charitable giving is always a good way for spouses to pause in
the whole spending malaise and be grateful for what they have.
And before the New Year is a great time to donate to a charity
since you can deduct it from your taxes in April rather than
waiting until the following year.
5. Don't feel obligated to buy everyone you know a gift. There
are less expensive ways to show people such as acquaintances,
coworkers, or your mailman, that you appreciate them. Keep in
mind that if these individuals weren't expecting a gift from
you, they may now feel obligated to buy you something. And don't
let surprise gifts guilt you into buying a reciprocal gift that
you hadn't budgeted for. A gift can be accepted graciously
without obligating you to another purchase.
6. Don't wait until the last minute. When under time pressure,
often people aren't able to shop for the best deal. They're so
pleased to have found the right gift in time that they'll pay
whatever necessary just to check it off their list. If you wait
until the last minute, but want the gift to arrive in time, you
may also have to pay higher shipping costs.
7. If youre making charges this year on your credit card, sit
down with your spouse and pick out the credit card with the
lowest annual percentage rate. You don't want to make purchases
on a credit card with a 14 percent annual percentage rate if you
have a credit card that offers a lower rate. If you are
purchasing large gifts that come with purchase incentives such
as six months same as cash, make sure you are financially able
to pay off the purchase within the six months as often these
offers come with very high interest rates after the promotional
period.
8. Try to disassociate shopping with your emotional state.
Holidays inspire lots of emotions, not all of them good. You may
find that you're depressed during this time of year, you may
feel guilty about the effect of marital issues on your children,
you may be stressed from spending lots of time with family you
don't see often, or you may even feel competitive about gifts
you're giving. Don't use spending to address these issues
because the relief will be temporary and you'll probably feel
worse once the impact of the excess spending hits. Instead find
alternative ways to deal with these feelingsget together with a
good friend to talk, exercise, meditate or schedule an
appointment with a counselor.
9. Establish an inexpensive holiday routine. If money is tight,
as it often is during the holiday season, find new ways to
celebrate the season (and there are lots of ways) without
racking up the credit card. Be creative and innovative and
remember the holidays arent about how much money you can spend.
10. If you're from a large family, consider drawing names from a
grabbag. If you have a lot of family members, a grabbag can be a
great tradition for the holidays, so that everyone doesn't feel
obligated to buy a present for everyone elserather you can buy
one nice gift for one person.
***
With offices in Raleigh, Charlotte, and Chapel Hill/Durham,
Rosen Law Firm is the largest divorce firm in North Carolina.
Founded in 1990, the firm is dedicated to providing individual
growth and support to couples seeking divorce by helping them
move forward with their lives. Our staff of attorneys,
accountants, and specially trained divorce coaches expertly
address the complex issues of ending a marriage. Our innovative
approach acknowledges that divorce is so much more than just a
legal matter. Practice areas include child custody, alimony,
property distribution, separation agreements, and domestic
violence relief.
For more information on Rosen Law Firm, or for an interview,
please contact: Alison Kramer, Director of Public Relations,
Office: 9192561542, Cell: 9195237104, akramer@rosen.com
Rosen Law Firm 4101 Lake Boone Trail Suite 500 Raleigh, NC 27607
www.rosen.com Divorce is Different Here
About the author:
Jessie Danninger is a financial analyst with Rosen Law Firm. She
assist clients in all financial matters relating to divorce,
including property distribution, child custody, alimony, and tax
related issues. She is a certified divorce financial analyst and
CPA.
This new book provides you with the essential dating knowledge you need to empower you to make smarter decisions. It teaches you how to manage the risks and uncertainties in a love relationship. The secrets have less to do with luck. Marriage is all predictable. You do not have to fail in your love relationship again. You can learn all the root causes of marital failure, manage all the root causes of those risks, and maximize the odds of achieving your desired marital life. This user-friendly skill is elaborated in this workbook to enable you to build a rock solid
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Jessie Danninger
Greene County New York marriage records
The Filipino culture's high regard for the sanctity of Marriage has given the Philippine Wedding Ceremony many customs and traditions that will be new to the American Gentlemen.
In the traditional Filipina Wedding the groom is expected to burden all of the cost as opposed to American traditions were it is the Bride's family that is responsible for wedding expenses. As customary with Filipinas she will be wearing her wedding ring on the right hand and not the left as here in the United States. For the Filipina, the Bible has stated "the Son sits at the right hand of
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Romantic ways to propose...A recipe for success:1. MoneySome say it's the root of all evil. But as for us? We're neutral. Yes, you can purchase a good proposal, but you can also throw one together using common household items (i.e., MacGyver Style). So how much should you splurge? That depends on what you hope to accomplish.The first trick of the money's-no-object crowd is the big budget production -- a proposal taken straight from a Hollywood movie. We're thinking Yankee Stadium's scoreboard here. This type of proposal will certainly give your girlfriend something to remember. However, it's heavy on drama, and
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