Husband, Your Wife Needs Financial Stability.

Gentlemen, please permit me to explore a touchy subject. It has to do with your wife and her job. In terms of providing for the family, I put that responsibility solely on the man in the relationship. Why? Because as MEN, that’s what we do. We ACCOMPLISH things and we BUILD things and we stay on top of things. At least we SHOULD be doing that right?

Your wife looks to you to provide the basic necessities of food, clothing, shelter, utilities, transportation, and a little excitement and fun. If you can do that, then your wife will be able to make the house into a home, raise happy kids, entertain friends and guests, and enrich the lives of everyone around her including you. However, if your wife has to help provide the basic necessities of life as well, then she cannot do these things.  At best, she may not be able to devote any energy into the home or to your marriage, and at worst, she may resent you BIG TIME.

Consider these scenarios:

1) A husband got laid off from his job and is on unemployment.  Meanwhile his wife is working two part time jobs.  She comes home from her 2nd job, then cooks, cleans, and gives the kids a bath.  Over the weekend she’s got the kids with her as she shops for groceries and runs errands.  On her way home she’s thinking, “Is this all there is??”

2) Another man works 40 hours a week and when he gets home each day, he see his wife for 20 minutes, then she’s off to work.  He puts a TV dinner in the microwave and starts heating it up.  Then he sits down at the home projector screen and watches some TV.  When his wife gets home from her job, he’s fast asleep in the Lazy Boy recliner.

3) Yet another man works 60+ hours a week.  His wife doesn’t work, but she spends her week chauffeuring the kids around to various soccer games and dance recitals.  On the weekends his kids say to him, “Can I have some money?” and his wife is spending time at the salon.  He thinks to himself, “What am I, an ATM?”

All three of the above scenarios have one thing in common: A lack of balance and no focus on what’s important in life.

The first guy is SURE to have some major resentment against him from his wife.  Because he doesn’t do ANYTHING.  If he can’t find a job, the LEAST he could do is help around the house or watch the kids or do the grocery shopping.  He has forgotten that financial stability is something he needs to provide FOR his wife.

The second couple is also in trouble, they both work to pay for their nice house and their awesome furniture and entertainment systems, but they don’t have time for each other.  Stuff does not bring happiness, so having both spouses working to pay for STUFF will not lead to a happy marriage.

The third man is flat out being USED.  He’s done too much of the PROVIDING that there is no QUALITY TIME with anyone.

So where is this balance found?

The balance is found in living below your means.  It is the MAN working to provide the basic necessities of life, plus a little extra to have some family fun.  It is the WOMAN nurturing the relationships and making the home a comfortable place for everyone.  When these things are not in balance, we see the following symptoms:

1) The man loses self esteem because he’s not providing at a level he should be.

2) The woman feels fear because the house and home are vulnerable to financial ups and downs.

3) The woman resents and does not respect a man who cannot provide for her.

4) The man and the woman are chasing happiness by going after material things.

5) The man and the woman have no time for each other.

Please don’t get me wrong.  I am not against your wife working.  I DO believe, however, that it should be her choice to work because she WANTS to and not because she HAS to.  All the money the man makes should pay for bills, food, and a little fun.  The money a wife makes, if she makes any at all, should be gravy.  The thing to remember is that a wife who works should always have the opportunity to QUIT working and raise children if life calls her to do that.

Did I ruffle any feathers?  Please let me know if you agree or disagree.  I appreciate your comments!

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The “Debt” Problem – and a Strong Message

I’ve been doing a lot of reading lately about the current financial situation our country faces.  The Debt Ceiling, our rising national debt, unemployment rates, and more all are very important issues right now.  As Americans today, we didn’t create these problems… they were made LONG ago by generations before us… and it seems they will remain next generation to handle as well.  This 30 minute video explains more.

So what does this mean to you?

Can you solve the nation’s debt problem?  Can I solve the nation’s debt problem?

Unfortunately the problem is much bigger that we think and you and I cannot do a thing on our own to solve the nation’s fiscal problems.

There needs to be a EXTREMELY STRONG MESSAGE that will reach all Americans:

You are a Part of the Solution

Here’s the thing… our Government, just like most American’s today, have maxed out their credit cards.  The only way the problem will be solved is by either increasing income and cut spending.  Our Government will eventually have to do BOTH.

What does this mean to you?

You will see prices rise, you will see taxes rise, you will see interest rates on loans rise.  But you will not see your income rise in the same rate.  You will feel the SQUEEZE of the Government correcting a problem it should have corrected long ago.

It’s coming folks..  if not for us… for our children.

I don’t say this to be all doom and gloom.  I’m telling you this so that you can do something about it now for you and your children.

You MUST do the following:

- Get out of ALL debt, including your mortgage.  Pay it all off and OWN it all.

- Live on CASH.  Debit cards are fine,  Credit cards are not.

- SAVE in your emergency fund to protect you from job loss.

- Invest your money to build personal wealth

 

I realize that this is a simplistic view of what needs to be done..  but I can tell you that only 4% of Americans are actually doing this.  The other 96% are spending way beyond their means with credit.

If every American got themselves out of debt.. and started saving again, the nation might have a chance.  Unfortunately that is only wishful thinking on my part.  The only thing I can do right now is to tell you how to get there yourself.  The government is going to solve it’s fiscal problem whether you were part of the solution or not.  If you don’t start getting yourself out of debt right now…you will eventually live a substandard life because you’ll be owing 75% of your income to taxes and interest.

I’m not crying wolf here.  Others have been there and done that.

 

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“You use coupons?… You MUST be POOR!”

Imagine that you are waiting in line at the grocery store and the person in front of you hands the cashier a fistful of coupons. You might think “UH!, of all the lines I could pick from I chose THIS one!” or you might think “I don’t have time for this!”. But have you honestly looked at the person in front of you, with curiosity, to find out how much they saved? I’ll bet that you’d be pretty shocked.

My family and I use coupons everyday, and we’ve seen just about every reaction imaginable from the people behind us in line and from the cashier too. The strangest reaction, however, was when someone said: “You use coupons?… You MUST be POOR!”

Now, that has left me pondering… “Are we poor, because we use coupons?”

To answer that question, I took a look at my family’s financial situation as a whole. We have ZERO consumer debt, a few medical bills here and there, and our home mortgage. We spend about $400 a month on groceries, toiletries, and health & beauty products. That is probably 50% less than the average household who spends $600-$800 on these items. Could we spend as much as other families on their grocery bill? Can we not afford more?

The answer is yes: We COULD spend $600-$800… but we DON’T HAVE TO… Because we use coupons.

You see… while other families spend $600 to get $600 worth of groceries and other stuff, we’re spending $400 to get $4,000 worth of groceries and other stuff. We’ve been tracking our spending and savings for the last year and a half and we managed to have a CONSISTENT savings rate of 85%-92% every month. How can this be? It’s all because of those little coupons!

Using coupons doesn’t mean you’re POOR… it means you’re SMART!

For example, let’s say your family likes Jenni-O Turkey Burgers and you need TWO boxes. One box normally costs $8.59, which means for two boxes you’d pay around $17.18. But if you had two $2.00 off coupons and the boxes were on a buy one get one free sale, you can save a lot of money. Consider the following:

Scenario 1: No Coupons, No Sale
Buy 2 boxes of Jenni-O Turkey Burgers: 2 @ $8.59 each = $17.18
You pay $17.18 for two boxes

Scenario 2: Use Coupons, No Sale
Buy 2 boxes of Jenni-O Turkey Burgers: 2 @ $8.59 each = $17.18
Use 2 $2.00 off coupons: -$4.00
You pay $13.18 for two boxes

Scenario 3: Use Coupons, Buy One Get One Sale
Buy 2 boxes of Jenni-O Turkey Burgers: 2 @ $8.59 BOGO = $8.59
Use 2 $2.00 off coupons: -$4.00
You pay $4.59 for two boxes
Price for EACH: $2.30 a box!

Isn’t it SMARTER to pay $2.30 a box, rather than $8.59 a box? …and this is just ONE ITEM. What if you applied this principle to EVERYTHING you buy?

If you’re in debt, living paycheck-to-paycheck, it’s really worth it to use coupons to improve your situation. The money you save will help make your payments easier. For more information about how to use coupons effectively like this, follow this guide I wrote a couple of years back.

For some offline learning, The “How To Shop For Free” book by couponing expert, Kathy Spencer, is a MUST HAVE!

And finally.. visit www.couponfedfamily.com or www.couponfedfamily.com/facebook to see how my family and I save 90% on just about everything!

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