Fighting, communication and assessment of your couplehood

I got an interesting comment from my last post. In case there is any doubt, my husband and I are "good" fighters - never raise our voice, very sincere, listen well to the other side, and generally are "good communicators" as demonstrated by The First Dance Couple Checkup, an online, inexpensive, research-based premarital inventory on our website. The point is that with all those skills you will STILL disagree, still have "fights" as a couple, and the question is how you handle the problem. In todays society it is easy to feel if you can keep at it, eventually you'll convince the other person they're wrong. Or worse, you start to reassess whether you married the right person because they aren't Mr. or Mrs. Perfect, afterall. It's called a consumer marriage and it's a disasterous mindset to have if you take it to an extreme.

If there is one thing I've learned over the years, "right and wrong" aren't words that should be used in a marriage (excluding obvious cases of physical or emotional violence.) The reality is would you rather be "right" or happy? For most couples who have been together a long time, being happy is better than being "right". Of course this all depends on the area you are disagreeing about. Generally those problems I talked about that are perpetual - you always procrastinate, you married a pack rat, your job makes you put in long hours but you love your career and don't want to leave... all those stressors will always be there and sometimes it's better to avoid the unending fights, or to at least TRY to see the other persons side. Your spouse doesn't want to be a pack rat but finds it extremely challenging to throw things away, or you were born late and have never been on time for anything in the 30 years you've been alive... you don't like it about yourself, but having a spouse yelling at you for it won't make it better!

It is often said money, sex, and children are the three biggest areas of struggle for couples. I have seen so many couples who are so mismatched in their values about money that I urge anyone reading this who is like that, to get a financial planner - someone who is "Free" and can help set the groundwork for your financial future. Or if that isn't likely, I was extremely impressed with the small part of a money game I played called Money Habitudes at a marriage conference. This is an easy card game but it is really surprisingly cool in helping you see how you view money without taking some boring quiz or having to think "too hard." I want to get this sold through my website or somehow help couples more on this vital topic.

The reality is there is no "one" right way to handle money. My husband and I both worked high paying corporate jobs, went out to eat almost every night, traveled and had a great time! We could not have predicted we would make major career changes (stay at home life then small business life and he's going into low paying counseling.) The reality is we're savers and have no debt even with 2 years of him making no money. We bought a small house that we love to give us more flexibility, we own smaller cars, we don't buy a lot of new clothes, etc. We could have never gone out to eat, never traveled and had a LOT more money saved up... but for us we couldn't imagine ruining our fun times, the memories we have, just so we had a bigger bank account. It is the delicate line between having fun and saving, between living for today and living for tomorrow. And every person and therefor every couple is going to have their own UNIQUE balance.... my hope is that you have balance as a couple in however that translates for you.

And an obvious first place to start is WEDDING PLANNING! Do you hold the view that this is the one day worth splurging on? Or the wedding is "only a day" and isn't worth going into debt for? Or the wedding is a massive family reunion and worth the time and money to bring everyone in your life together, even if it's expensive, because there will never be an opportunity to do it again? Or is a wedding a sacred family event and you don't feel a need to invite a lot of extra guests so you CAN have an elegant wedding and still not spend a lot?

What if your parents are paying? Does this have an impact on how you plan, how you spend, and where you place your values? My wedding was paid by my parents and was lower than the average for our state. My husband and I couldn't imagine doing more even though my parents "could have afforded more." We struck a balance between having nice wedding invitations, really nice music, a really good photographer and medicore food, the wedding cake tasted OK but looked pathetic (oh well...) and the table decorations weren't what we wanted but we gave free reign to others and again, oh well. We got OUR wish which was a certain "feel" to the reception... the artwork in the church basement, the lighting, the live jazz band, the great host job of my dad to bring all our guests into the reception with some unique moments (like getting the wisdom from married couples that they have learned but did not know on their wedding day.)

Temptations and obsessions in wedding planning and beyond

I have been thinking a lot lately about how there are so many temptations in wedding planning that can cause great frustration. You maybe run into the most amazing wedding invitations, or go to a wedding and they have a photo booth and you just LOVED IT and really want one for your wedding....

but money is tight and you know it isn't necessary or a responsible financial decision...

but you really, really can't stop thinking about it. You begin the slow (or fast) process of justifying why you need it, want it, why it isn't that much of a waste of money, or take the "life is short, just do it!" approach.

How does your spouse-to-be handle temptations? Are you often on the same page or have the same process of rationalizing bad decisions?

Right now the big temptation for my husband and me are the coolest pairs of eye glasses that combined are about a mortgage payment! We fell completely in love with our respective glasses at this boutique shop and can't find anything remotely satisfying anywhere else. It is to the point I'd rather not get new glasses at all than "compromise" on a lesser pair than the ones I found. My justifications are that I've had my pair for 8 years, that I'll be doing extra consultations soon and can use that extra money for something I really want. My husband tries to justify that if he loves this pair so much that instead of buying glasses every 3 years or so (he wears them out fast!) that he can just get new lenses. The problem there are the lenses are really pricey, too, not just the frame.

We feel like we went shopping at a Lexus store and are now trying to find a Lexus-quality car at a Yugo shop! We regret ever going to the eye glass boutique store and wish we could just forget it.

Wedding planning can bring these feelings out in spades because you have the pressure of "THE once in a life time day" and the romantic notions around weddings. There is so much pressure to make it The perfect day and to reflect "your style"... even though most of us don't go around wearing tuxes and wedding dresses on a daily basis. : -)

One of the pieces of advice we got from my former bosses husband has stuck with us. During our wedding reception he highly encouraged us to go travel and have fun on our honeymoon. I believe it was in reference to a gorgeous china cabinet we wanted to get but was really expensive (we apparently have expensive taste in things, ugh!) He basically said that a fire can burn down your possessions but when you are up all night with two young children and life is wearing you down, you will always have those MEMORIES. It's the memories of experiences that lives on well beyond any furniture, or eye glasses, or "stuff". This is of course part of the way the wedding industry tries to sell us on the "stuff" of wedding planning, but sometimes, just sometimes, there is truth to it.

So what would make a memory and what is the unnecessary "stuff" you can say no to wedding planning to free yourself to make memories later with the money saved? Can you block the temptations that you know are not necessary to make a beatiful wedding? Can you move past the decision to have a less exciting....dress, food, music, because ultimately you are chosing to save money or to reduce your stress and time spent planning by being able to MOVE ON once a choice has been made?

$2 Oreo Cookie....

I was reading a bridal magazine a few weeks ago showing fun items you can buy for your wedding. I almost gasped at the fact that you can buy an Oreo cookie - just ONE, for $2. It's fancy, of course, not just out of the package and it is sold in a pack so they never do break down the price per cookie. But wow. Only in the sub-world of wedding planning (or other event planning) could you get someone to buy one cooke for nearly the price of an entire container!

But, as we say at The First Dance, money is not about money but about values underneath. I am the first to admit that I refuse to pay full price for a 12-pack of Coke, but if I go to a movie, or the Minnesota State Fair, I will (painfully) hand over more money for one Coke than I do for an entire 12-pack in the store. Why? You pay for convinience and you pay to help support the places that entertain you.

So the wedding world is the same. Otherwise rational men and women who clip coupons, avoid high-end items, will easily fork over 10x what they normally would spend for this one day. What I care about is whether you are having the money conversations throughout wedding planning. I don't feel it is as simple as finding your final vendor choice, telling the groom, groom flips out at the cost, you get in a big fight, you "educate him" on how much things cost these days, and he swallows his horror and you go with the vendor. The reason I don't like this typical approach is because it's not just weddings where you will find sticker shock. The more practice you get in navigating money dicussions the more likely you are to avoid fights altogether in the future. Your $2 Oreo cookie favor today becomes your $20 work lunch when you're trying to save for a house becomes your $200 baby crib becomes your $2000 bedroom set becomes your $20,000 car becomes your $200,000 house. And on it goes.

I was at a marriage fair and did a mini version of a "Money game." I was completely shocked at how interesting and different it was! I haven't yet made the time to do the full version with my husband but I will. The link to this card game - it's VERY simple - every card you put in three piles and with real life examples you just put the cards in the pile you want. In the end it helps summarize whether you're a saver, spender, how much money means security to you, and a lot more. I like that it goes beyond the traditional "dumbed-down" quizes in most magazines around money. The link to the website is: http://www.moneyhabitudes.com/