Tag Archive for: Spouse

Money and Stress in Marriage

It’s the one thing most people never get enough of. Many believe it is the key to happiness. People still argue over it, whether they have a lot of it or not enough of it to make ends meet. What is IT? It’s MONEY, of course.

Less than a month into his marriage, Roger Gibson, author of First Comes Love, Then Comes Money, found himself in a very precarious situation. He bought a truck without telling his wife.

He thought she would love his brand new green truck. But the moment he saw the look on her face as he pulled in the driveway, he knew “love” was not the word to describe her feelings. As he saw his wife speechless for the very first time, he began to realize exactly what he had done.

He thought to himself, “She is probably thinking, ‘How can anyone go out and buy a brand new truck without first talking with his wife?’” Gibson managed to create a financial situation in a few short minutes that put terrible stress on their relationship. In hindsight, he describes this as one of the most painful and embarrassing moments of his life.

Money is the number one reason for stress in many marriages.

And according to 2013 survey by the Institute for Divorce Financial Analysis, financial issues are also responsible for 22% of all divorces. This makes it the third leading cause of divorce.

“The money marathon in marriage often takes on the character of a race,” says Gibson. “At times, the pressure can become too intense and many couples want to throw in the towel and quit before the finish line. Many young couples break all the rules ‘to get it all’ in the beginning. Instead of experiencing happiness in their marriage, they find themselves arguing about spending habits, credit card debt and unpaid bills. They overload themselves with debt, which can cause the ‘ties that bind’ to snap and knock you off balance.”

Just as in a marathon, you can’t start out full blast or you’ll never make it. Instead, get a map of the route and learn to pace yourself so you can make it to the finish line. A great way to start that conversation is with a fun, lighthearted game! Check out this Financial Would You Rather from Annuity.org to get started.

Creating a spending plan is key for couples. Spending money is always more fun than saving. A plan’s purpose, however, is to strike a balance between the two.

Believe it or not, intimacy can be driven by personal finances.

Budgeting your money helps you think about your dreams for the future. It’s also a reflection of where you want to go. Instead of fighting because you don’t know where you want to go, the plan provides security and brings you together.

If you want to get a handle on your money and your stress in marriage, Gibson suggests that you:

  • Eliminate unnecessary debt.
  • Actively manage your finances.
  • Build an emergency account, a savings fund for short-term needs and a long-term savings plan.
  • Spend less than you make.
  • Stop impulsive spending.

“Prestige, people, possessions and pleasure: these are the things that drive us because that is how our culture drives us,” Gibson says. “Everything we do is a reflection of these four things. People who are fighting about money don’t have a proper perspective of what money is.

“Instead of viewing money as a means to accomplish a goal, they see it as a way to satisfy their immediate desires. Usually the result is that finances control us versus us controlling our finances. The way that you gain control is to make a plan and stick to it.”

***If you or someone you know is in an abusive relationship, contact the National Hotline for Domestic Abuse. At this link, you can access a private chat with someone who can help you 24/7. If you fear your computer or device is being monitored, call the hotline 24/7 at: 1−800−799−7233. For a clear understanding of what defines an abusive relationship, click here.***

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Who Is More Likely to Cheat?

Avoiding behaviors that could create suspicion can help your marriage.

This past year, in the midst of the #metoo campaign, a number of married men were among those accused of sexual misconduct. News of the inappropriate behavior probably created some extremely awkward moments within these marriages and perhaps made others wonder if their spouse is likely to cheat.

Dr. Wendy Wang, research director at the Institute for Family Studies, recently released a brief on the subject called Who Cheats More? The Demographics of Cheating in America. Wang found that men, adults who did not grow up in intact families, and those who rarely or never attend religious services, are more likely than others to have cheated on their spouse.

Based on Wang’s analysis of General Social Survey data from 2010-2016:

  • Men are more likely than women to cheat. Twenty percent of men and 13 percent of women reported they’ve had sex with someone other than their spouse, but the gap varies by age.
  • The infidelity rate also differs among a number of other social and demographic factors, such as race, family of origin and religious service attendance.

Wang also found that cheating is somewhat more common among black adults. Some 22% of ever-married blacks said that they cheated on their spouse, compared with 16% of whites and 13% of Hispanics. And among black men, the rate is highest. In fact, 28% reported that they had sex with someone other than their spouse, compared with 20% of white men and 16% of Hispanic men.

The data also revealed that a person’s political identity, family background and religious activity are related to whether or not they cheat. Interestingly, having a college degree is not linked to a higher probability of cheating. Almost equal shares of college-educated and less-educated adults have been unfaithful to their spouse (16% vs. 15%). The share among those with some college education is slightly higher (18%).

So who is more likely to cheat – men or women?

The data indicates men and women share very few traits in that area. For men, race, age, education level and religious service attendance are still significant factors. For women, family background and religious service attendance are significant factors for unfaithfulness, while race, age and educational attainment are not relevant factors. The only factor that shows significant consistency in predicting both men’s and women’s odds of infidelity is religious service attendance.

The bottom line is that a lot of people are at risk and may not even know it. When it comes to cheating in marriage, the single most important protective factor is appropriate boundaries. In a culture where men and women work so closely, it’s important to make sure you are not putting yourself at risk to cheat. 

Many relationship experts agree that one of the most common pathways to infidelity is when a man and woman who are “just friends” begin to discuss their marital problems. In other words, they are doing their marriage work with someone who might not be a friend to their marriage.

If you haven’t talked about guarding your marriage as a couple, you might want to talk about these things: 

  • Establish clear boundaries. Discuss expectations and boundaries in your relationship. You probably believe you would never fall prey to a relationship outside of your marriage. Unfortunately, few who found themselves there say they were looking for it. Keep the lines of communication open. Talk about how you will intentionally do your marriage work with your spouse and avoid keeping secrets from each other.  
  • Be aware, and value your mate’s opinion. Sometimes other see things you don’t recognize.
  • The danger zones are for real. Being oblivious to tempting situations is risky.

Intentionally protect and nurture your marriage. Check in with each other frequently and discuss how your choices impact your marital health. Avoiding behaviors that could create suspicion can’t hurt your marriage. On the other hand, it could be a tremendous help.

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***If you or someone you know is in an abusive relationship, contact the National Hotline for Domestic Abuse. At this link, you can access a private chat with someone who can help you 24/7. If you fear your computer or device is being monitored, call the hotline 24/7 at: 1−800−799−7233. For a clear understanding of what defines an abusive relationship, click here.***

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Technology and Relationships

Have you ever thought about how today’s amazing technological advances affect relationships?

There are very few places where you can’t technologically connect in some way. You can place calls whenever and wherever. It’s fairly inexpensive and there are no additional fees. In real-time, you can show or tell anyone what you are eating, post your latest fashion escapade or something that just happened. Who would have guessed you can actually conduct business halfway across the planet with someone you may never meet in person?

Why would anybody need to read books anymore or memorize anything when with a few keystrokes the information can be on a screen in front of you? The world has never been so flat when it comes to communicating.

How does all of this technology impact relationships?

What if you get an email from a friend who lives out of town who is really struggling? Inventions like Skype or FaceTime make it feel like you are practically there live and in person, which is good. But does it replace being able to hug someone when things are tough?

Do you remember calling home from college once a week to talk to your parents? It required remembering all that happened during the week before and that also meant there were many things you had to figure out on your own because mom and dad weren’t available at the drop of a hat to give you their best problem-solving maneuver. So—how are young people impacted by constantly being able to be in touch with their parents when life gets challenging versus taking a stab at trying to figure it out for themselves?

Have you ever experienced miscommunication in a text message? For example, take the word “fine.” You text your spouse saying you want to go out to eat tonight. Your spouse replies, “Fine.” There are tons of ways to interpret that word and the person’s intent behind it.

How about boundaries? At first, constant connectivity was super-exciting for everyone. Now people realize that being reachable anywhere and anytime may not be so great. Constant pings at the dinner table can make it challenging to have meaningful conversation with family and friends.

There is a fair amount of chatter these days about how digital devices and other technology have changed thinking and behavior. Is technology overload a thing? Does constantly switching back and forth between incoming text messages, email and the task at hand affect attention span? Has creativity diminished?

And, have we replaced meaningful conversation with friends and family with photos and the snippets of life we see on Facebook?

Ask yourself. How can you enhance your most meaningful relationships if you change or limit the way you currently use technology?

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Sex: From Sparklers to Fireworks in the Bedroom

Are there more fireworks going on outside the bedroom than inside? Probably, say marriage experts.

Data collected from the 2014 General Social Survey indicates that married couples have sex approximately 58 times a year. If you are under 30, however, it’s around 111 times. Approximately 15 percent of married couples haven’t made love with their spouse in the last six months to a year.

In a TEDx talk, therapist Michele Weiner-Davis describes this phenomenon as the sex-starved marriage. It’s a marriage where one spouse is longing for more touch and passion and the other is thinking, “What is the big deal, it’s just sex?”

“When disconnect happens in a marriage, intimacy on all levels goes out the window,” says Weiner-Davis, whose life work is to help resurrect flat-lined marriages. “These couples are the ones who have stopped laughing at each other’s jokes, sitting next to each other on the couch, holding hands or looking into each other’s eyes.”

Many people automatically assume that all men think about is sex. But according to Weiner-Davis, low sexual desire is as much an issue for men as it is for women; it’s just a well-kept secret.

Weiner-Davis says it is not uncommon for even long-married couples to never discuss sex. (Here are 10 Things Every Married Couple Should Know About Sex.)

In a session with Weiner-Davis, a husband of 15 years shared that there is only a two-hour window on Friday night when his wife might be interested in sex. He turned to his wife and said, “When I reach out to you in bed and you aren’t there for me, the only thing I think about is, do you find me attractive anymore, do you still love me, do you want to be with me? I lie awake thinking at night that this is the loneliest place to be.”

Surprised, his wife responded that all she ever considered was whether or not she was in the mood. Never had she ever thought about what it must be like to be in his shoes. This was the beginning of a breakthrough in their marriage. But, Weiner-Davis cautions that it doesn’t work this way for all couples.

“It’s interesting that couples share decision-making on so many things. But when it comes to sex, one person makes the decision and expects the other person to accept it, not complain about it, and be monogamous,” Weiner-Davis says.

Weiner-Davis contends that the primary cause of a sex-starved marriage is easy to fix. A few basic changes can help you move from little sparklers to fireworks in the bedroom:

  • Everybody has different ways of feeling connected to one another. You need to become an expert in making your mate feel connected to you.
  • If your spouse wants sex more often than you do, don’t delude yourself into thinking, “It’s just sex.” Sex is a powerful way to connect. (Here’s how to have better sex.)
  • When you understand your spouse’s way of connecting, you don’t have to agree with it or understand it. You just need to do it.
  • Healthy marriages require mutual caretaking. Take care of each other. It is an act of love.

“When we learn to be better caretakers of each other, we will make this world a better place one marriage at a time,” Weiner-Davis says.

 ***If you or someone you know is in an abusive relationship, contact the National Hotline for Domestic Abuse. At this link, you can access a private chat with someone who can help you 24/7. If you fear your computer or device is being monitored, call the hotline 24/7 at: 1−800−799−7233. For a clear understanding of what defines an abusive relationship, click here.***

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How You Can Have an Awesome, Amazing, Mind-Blowing Marriage

Do you want an awesome, amazing, mind-blowing marriage?

The answer to that question is usually a resounding YES! But, it’s quickly followed with something like, “I could only hope for that,” or “Only in my dreams.”

“Based on my experience as a counselor, I think a lot of people feel like they are sentenced to a life of boredom when they marry,” says Darlene Karst, counselor, marriage educator, and wife. “The reality is that could not be further from the truth … if you are willing to put effort into making your marriage fun, romantic, passionate, and intimate.”

It would be unusual for someone to be an exceptional mechanic, golfer, artist, or chef without training and a lot of practice. Yet people often expect to be excellent lovers and great at marriage overnight.

“The truth is, if you want to have an awesome, amazing, mind-blowing marriage, you have to set your mind to it and work to make it happen,” Karst says. “We might be in the middle of hard economic times, but that doesn’t mean it has to be tough on your marriage. You don’t need a lot of money to make your relationship more romantic and intimate.”

Karst suggests that there are certain things couples need to guard against because they are passion-killers in a marriage. When people think about passion and romance they often don’t consider how certain things can rob you of those feelings while others can set the tone. Consider the color of your room and the textures you have in your bedroom. Do they inspire romance?

“I always ask couples if they have a television in their bedroom,” Karst says. “If they do, I tell them to get rid of it. The bedroom should be a sanctuary where you can be together without distractions. Other things that can rob you of romantic moments include old worn-out nightgowns and underclothing, sports memorabilia, and other things that clutter up the bedroom as well as fighting in your bedroom.”

With busy careers, children, and outside commitments there is no question that life is hectic. Unfortunately, even the best-laid plans can end up out the window when a child gets sick, the boss hands out an urgent deadline or a disagreement comes along.

“More often than not, those things are exceptions to the rule and not the rule,” Karst says. “Therefore, I encourage couples to make a plan. Make sure you set aside time during the week to talk about children, bills, meetings, etc. Just as you set aside time for these things, set aside time to be together.”

If you’re lacking in the creativity department, try these suggestions for a mind-blowing marriage:

  • Take turns planning a special evening of pampering for your spouse. Think about what’s important to your partner and plan an evening to indulge him or her. Be intentional about being with your partner physically and emotionally. Because men are so visual, one wife wore one of her husband’s favorite outfits and did things he really liked. On another night, he drew a bath for her and gave her a massage.
  • Do things differently. If you always make love the same way, change that so it doesn’t become routine. Consider these questions to help spice up your love life: What brings you the most sexual fulfillment? How often would you like to make love? What changes do you need to make to keep sex fresh and growing? (Read 10 Things Every Married Couple Should Know About Sex)
  • Teach the kids that your bedroom is your bedroom. When the door is closed, it means that mom and dad want a timeout. While this may sound totally unrealistic, it might surprise you how well it works once they get the idea.

Perhaps now is a great time to kick off an ongoing celebration of your marriage. To learn more about having an awesome, amazing, mind-blowing marriage, click here.

 ***If you or someone you know is in an abusive relationship, contact the National Hotline for Domestic Abuse. At this link, you can access a private chat with someone who can help you 24/7. If you fear someone is monitoring your computer or device, call the hotline 24/7 at: 1−800−799−7233. For a clear understanding of what defines an abusive relationship, click here.***

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6 Tips for a “Til Death Do Us Part” Marriage

Have you ever thought or said these words after you said the vows “til death do us part”?

I just can’t take it anymore… We’ve grown apart… I love you as a friend, but I’m not in love with you anymore… You aren’t the person I married… Things change.

The crazy thing is, many happily married people also experience some of these feelings. It’s true. Sometimes you feel like you can’t take it anymore. Other times you may feel distant to your spouse. Over time, mates do change.

But do all these things have to shake the very foundation of your marriage? The answer is NO.

What makes it possible for first-time marriages to survive?

Marriage experts have found that couples who make their marriage work decide upfront that divorce is not an option. Although many couples who choose to divorce have challenges, their marriage probably could have been saved and in the long run been a happy one. Their fatal error in the relationship was leaving their options open. If the going got too tough, in their mind, divorce was always a way out.

You might be surprised to find this out, but research shows that divorce does not make you happier.

Does Divorce Make People Happy? Findings from a Study of Unhappy Marriages, conducted by the Institute for American Values, found that:

  • Unhappily married adults who divorced or separated were no happier, on average, than unhappily married adults who stayed married.
  • Unhappy marriages were less common than unhappy spouses.
  • Staying married did not typically trap unhappy spouses in violent relationships.
  • 2 out of 3 unhappily married adults who avoided divorce or separation ended up happily married five years later.

The bottom line is, you have to make a decision to stay at the table and be committed to making the marriage work. Here are some things to help you keep the vow: “til death do us part.”

  • Learn skills to help keep your marriage on track. Research continues to show that couples who learn how to talk to each other, resolve conflict, manage their money, have appropriate expectations of the marriage, and build intimacy are significantly more likely to keep their marriage on track over time.
  • Understand that the grass may look greener on the other side, but you still have to mow it. On the surface, someone may look better than the one you are with, but in truth, even beautiful sod eventually has onions, crabgrass, and clover if you don’t properly care for it. In most cases, people who have jumped the fence will testify that the grass is not greener, just different.
  • Learn how to resolve conflict without threatening to leave the marriage. All couples have spats. Some yell; others talk things through. The common denominator for couples who keep their marriage on track is learning how to disagree with the best of them, but leaving the marriage is never an option.
  • Stop using divorce as a crutch. Instead of throwing in the towel when the going gets tough, consider it a challenge to learn as much as you can about your mate and how you can effectively deal with adversity. Intentionally choose to love the one you’re with.
  • Keep the big picture perspective. Sometimes it’s hard to see the forest for the trees. One woman described her 65-year marriage to a group of young people. She shared about seven years throughout the 65-year span that were really bad due to work conditions, children, lack of time together, the husband’s out of town job for a couple of years, etc. In the end, she asked herself, “Would I really want to trade 58 good years for seven bad years?” The answer was a resounding “No!” All marriages experience trials and tough moments. Don’t trade years of history for a couple of bad months or tough years.
  • Make a plan for your marriage. Going into marriage without a plan is like playing a football game without memorizing the playbook. If you want to win, you’ll have team meetings, set goals, learn and relearn skills, learn how to lead and follow, and share responsibilities. And, you both need a copy of the playbook.

If you want a “til death do us part” marriage, you must learn the plays so you can execute them correctly and prepare to adapt in different situations. That takes time. When you understanding that there will be occasional setbacks, you can move toward the goal line and even score a few touchdowns. Teammates block for each other, throw the ball to one another, help each other up, and encourage perseverance when the going gets tough.

It has been said that individuals win games, but teamwork wins championships. So, make it your goal to have a championship marriage.

 ***If you or someone you know is in an abusive relationship, contact the National Hotline for Domestic Abuse. At this link, you can access a private chat with someone who can help you 24/7. If you fear your computer or device is being monitored, call the hotline 24/7 at: 1−800−799−7233. For a clear understanding of what defines an abusive relationship, click here.***

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