Monthly Archives: November 2018

Financial Problems in a Marriage

It is said that marriage is the best thing that can happen to two people in love. It is true, provided the spouses understand each other and are aware of the responsibilities that come with marriage. However, married life can suffer a setback, if there are financial issues in a relationship and the partners do not work it out properly to solve these problems. In studies conducted by experts, financial issues have been included as one of the top reasons for a divorce. So, it is always better to be aware of financial problems, if any, and find effective ways to deal with them.
Monetary Issues and Their Solutions
Handling Finance

This is one of the basic issues that married couples face. They are not clear about whose salary should be used for household expenses and whose should go in for savings. Lack of planning leads to confusion, ultimately resulting in differences between a couple.

Solution: Couples should try different ways to handle their finances and check which one works the best for them. According to surveys, around 64% of couples have joint accounts, 14% of them have separate accounts, and 18% of couples have both joint as well as separate accounts. There is no particular method to handle finances; it depends on a couple as to how much they want to spend and how much they want to save. So, sit down to decide among yourselves, and make the best call for your future.
Excessive Spending

Among the various money-related problems affecting a marriage, spending habit is a contentious issue. Many a time, one of the partners is inclined to shop and spend more than the total earnings with the help of loans and credit cards. Mounting bills and high interest rates can really make things difficult for the family.

In certain cases, among the two partners, the wife mostly has the habit of presenting her family with goodies every now and then. The expenditure made, might irritate the other partner and ultimately give rise to arguments.
Solution: Couples should fix a budget for the month and keep a check so that the expenditure does not exceed the limit. As far as possible, use of multiple cards should be avoided. When going through tough financial times, couples need to cut down on entertainment and leisure expenses. Wives and even husbands, if either is into the habit of buying unwanted gifts, should keep away from doing so. This is because, occasional exchange of gifts does not affect, as much as the usual ones do.

Tips to Stop Living Paycheck

The root cause of most of our problems, is that we are never satisfied with what we have. We want more. And more. And more. And some more… It just doesn’t stop, this wanting. Which is OK. But, what’s NOT OK, is the instant gratification of these wants. Actually, that could be termed OK too, as long as you are spending within your means. So what is it that is not OK, you ask? Well, it is when you are spending beyond your means, to live the way you want to. When you do not have the money, yet you spend on that extra purse, or cell phone, or that gorgeous dress, or a new car, or whatever. Before you know it, you have used up your money in debit cards, so you turn to your credit cards, reach your credit limit, and now you have those terribly annoying warning letters, flooding your letter box and crowding your email. Reminds you of the movie, Confessions of a Shopaholic? There is a very thin line between living paycheck to paycheck, and the above described scenario. It can vanish far too easily, and before you can say ‘damn’, you’ve been hauled into the credit bandwagon. The only way to prevent this from happening is to change your spending habits, and start saving now. Let’s look at some easy ways to earn quick money in times of need, and then we’ll take a look at how to avoid such situations.
Ways to Earn Quick Money
Garage Sales
Garage Sales
This is a quick way of getting some cash in your hand, as well as get rid of all the things in your house that you no longer need. Thinking practically in such cases, is more beneficial than thinking emotionally. Avoid storing unnecessary junk, furniture or knickknack in your house that occupies space, needs maintenance and does not serve any purpose. Best to give it away to someone who can find good use for it. You don’t need any money to host a garage sale, and it is the best way to kill two birds with one stone!

Small Home Businesses
selling cupcakes
Small home businesses that require no/ very little investment, can be a great way of adding to your income. Maybe you could start selling your paintings, if you are good at drawing and painting. Or if you have good culinary skills, then you can try making and selling cakes or other food stuff. If you are interested in photography and have a personal photo collection, you can also try selling your photos to magazines or newspapers. Or you can babysit for people’s kids for a couple of hours every day, like a mini creche. If you have other hobbies that can help you make money, cash on them.

Unbelievably Quick Cash

Virtually everybody is interested in making some extra money besides your regular paycheck. Now, this won’t necessarily solve all your financial problems, but will surely help you save for something special or help you get out of debt quickly. You may not realize it but there are plenty of options to earn on the side, all you need to do is look for a job or activity that suits your needs and matches your ability. Here are some quick cash ideas (all are purely legal ideas!) that will help you make some extra dough. The real essence, though, is to go out and actually try them before you can make extra money.
Live Art Models
College students can try finding jobs on campus. The art classes always require models for portrait paintings and sculpting. You could earn fair amount of money posing as a live model. You can even visit a local newspaper photographer and pose as a model for local paper advertisements. Many malls, fast food joints and children parks require people who will wear their mascot dresses and pose with customers. You can try a hand at this and earn some useful cash.
Upcoming Artists
Those who can paint or sketch, can post their art online. You never know which art lover likes one of your work and pays you handsomely. There are many art lovers who would love to bid for your paintings and who knows you turn out to be as famous as Picasso! If you are never short of using the right words at the correct time, then becoming a freelance copywriter may help you earn some easy money. Many websites pay per-article and help budding authors earn some pocket-money.

Online Bidding
There are many online money earning methods that you can try to earn some bucks. If you have an old collection of classic comics or collectors stamps, you can sell them online to patron bidders. Baseball cards, hats and even bats will earn you some money. If you have a pair of branded sports shoes in good condition or the pair of yellow pants that you regret buying, sell them online. Many are looking for cheap branded stuff on the web world. The Internet is the best place for making money online.
Delivery Boy/Girl
Another interesting, but little unknown profession is driving new vans, school buses, limousines to the dealers from the manufacturers. You may end by earning $30,000 a year for selling nothing and get a kick out of being the first one to drive a fresh motor. You may require a chauffeur’s license under some state laws. Your driving record should be clean without any major traffic violation under your name. You even get a paid return trip fare! You can even deliver pizza and other foods ordered at dial-a-meal restaurants. Courier services are always on a look out of delivery boys or girls, who can deliver packages and letters to the correct address without delay.

These Ultimately Easy Ways to Make Money

Vacations are a time when most kids think of taking up summer jobs in an effort to pocket some extra dollars. Taking up small jobs or setting up a small business will enable kids to experience working with different people and teach them certain values and facts about the real world. A vital point to remember here though, as parents, is not to help the kids or children but rather let them learn by themselves. Provide them with pointers or guidelines but do not carry out the task for them, this will definitely hamper them when they start working independently as adults. What’s more, such an endeavor will provide kids with some money to spend once they get older, or save for college.

Some Ways Through Which Kids Can Make Money

Here is a list of fun and easy ways to make money for all those youngsters and teenagers who wish to earn on their own, but are too young for a professional employment or job.

Delivery Services
All you need in this case is a good bicycle and a strong pair of legs! Delivering newspapers, parcels, milk cartons, etc., are jobs that have been popular among kids for over half a decade! Of course, in today’s times, jobs like flower deliveries have become much more well-paying and wider in scope as well. You can tie up with your local grocery stores, department stores, chemists, etc., and offer to provide home delivery services in your neighborhood. Pizza delivery, with the generous tips associated with it, is another fruitful option that you could consider during evenings.

Car Wash
This is something that you can do on one particular day of the week (preferably a Sunday). You and a few friends could form a Sunday car wash group. Spread the word, post a few fliers in your locality and you could soon find yourself with a thick wad of cash on Sunday evenings! Sounds tempting, doesn’t it?

First and foremost, you should consider this option only if you’re thirteen and above. You could start by offering to babysit your neighbor’s toddler for a couple of hours on Friday night while the parents go out for an evening movie. Over a period of time, as you get comfortable with babysitting and handling young children, you could think of expanding your horizons by offering your babysitting services to a wider audience.

Lemonade Stall
Now this is not a 21st century idea by any stretch of the imagination. However, I have mentioned it simply because a glass of cool, refreshing lemonade is something that no one can do without, on a hot, sultry summer day. Therefore, it almost always translates into good business and even better money (provided you set up your lemonade stall in the right season!).