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By Debra Bacon Theravive.com Contributor Simple is better Family time and simpler lifestyles are winning out over consumerism these days. Considering the shaky economies around the globe, individuals and families are scaling back on their spending. With rising unemployment figures and uncertain futures, people are strategizing their escape from the prison of debt. By paying off debt, reducing discretionary spending and opting to save money, materialism is losing its grasp on society. Taking charge of your debt and deciding to scale back your lifestyle requires change. Change is rarely comfortable. Difficult decisions and sacrifices must be made to accomplish your goals. Taking charge Following are some tips to help you take charge of your life, finances and lifestyle. Determine what you want to change about your financial picture and lifestyle. For example, you may want to be debt free within five to seven years; you may have a desire to grow your own food, or become a stay-at-home mom or dad. Set reasonable goals and timeframes to reach your dream. Strive for specific milestones leading you to your overall goal. This allows you to see your success in smaller chunks, as you chip away at the whole. Assess your current financial picture. Determine how much overall debt you have and to whom it is owed. Calculate your monthly income, and compare the differences of inflow versus outflow. Set your first milestone as complete. Knowing the state of your affairs will relieve you of an amazing amount of stress. Realizing you are working to take charge of your circumstances is huge. Make a list of each creditor and the amount owed them. Define a plan that allows you to pay more toward the smallest balance first, until it is satisfied. Continue this pattern until they are all knocked out, or at least well on their way. Reward yourself in some way for your diligence as each milestone is reached. Perhaps you have not been out to dinner in months as a part of your effort to scale back; this may be a reward you agree is reasonable, for example. Stay focused on your plan and you will achieve your desired end. Living the life As you downsize you will find there are things you no longer have need of. It is important to determine whether you will sell these items or donate them to charity. Depending on your goal, a move may be in order. Transportation may change, and jobs/roles may shift, or be redefined. Yet as you scale back your lifestyle, you will enjoy more free time and experience a healthier life. Stress is responsible for many major health conditions and diseases. Often, we are unaware how much we are affected by stress as we struggle day-to-day to make ends meet. Moreover, social stress, such as the “keeping up with the Joneses” mentality can lead to a tremendous amount of peer pressure. This type of pressure can lead to depression, even death, if we perceive we have failed. So, start living the life, take charge of your life, as you begin your journey to scale back.

By Debra Bacon Theravive.com Contributor Before “I do” Marriage is a big step; a leap of faith, a commitment. Faith for your future; that it will be bright, prosperous and secure. You are committing to stand together through thick and thin, health and wealth, sickness and poverty. Moreover, you are committing to each other for life, as partners, forsaking all others. That is why premarital counseling is vital.Life is full of problems and unexpected ends. We may think we are prepared to take on all it offers--together--yet we are individuals. Knowing one another very well is not enough. Until living together in matrimony, it is impossible to see all aspects of each individual’s response to life’s situations. Traversing the terrain of life together is much like that of a team who climbs mountains together. The ropes that bind them together are essential in keeping them alive. It takes practice, teaching and patience to learn how to attempt the unknown together. Premarital counseling Premarital counseling can help with identifying problem areas that might exist prior to marriage. In fact, some states require premarital counseling prior to marriage. Some of the issues addressed in counseling are: financial management and decisions parental issues expectations of each other employment roles and responsibilities religion and spirituality family involvement and activities hobbies and interests friends It is important to ensure you each have realistic expectations of one another. To think that things will magically fall in place is unrealistic. Addressing these and other significant issues can get your marriage off on a more stable footing. He said she said Resolving conflicts in a marriage requires certain skills, and is another reason for premarital counseling. “Fair fighting” is imperative in a marriage, and seeking counsel prior to marriage, will prove beneficial in these areas. Counselors will offer various coping and negotiation skills necessary to ensure successful conflict resolution within your marriage. The Counselor Premarital counseling is generally facilitated by trained family therapists, and often, clergy. The counselor will assist you as a couple to identify potential or existing problem areas. This is accomplished as you discuss with your counselor, the more common issues of a marriage, as mentioned earlier. Sitting down with a counselor and having these discussions prior to marriage, will help bring clarity and definition to your relationship. Premarital counseling offers invaluable tools that will assist you protect one of the most important blessings of your life. We go to great lengths to protect our worldly goods and things important to us. Your marriage should be protected in the same way. Who should go Couples who have never been married or involved in a long-term partnership should attend premarital counseling. Furthermore, anyone who has been married before, having it end in divorce, should also attend counseling prior to remarriage. People with children should seek counseling before saying I do, as it can be difficult blending families. Successfully blending a family takes skill and effort, as well as, a lot of love and patience. Premarital counseling can help you navigate these tricky waters.

By Debra Bacon Theravive.com Contributor The Pink Slip Losing a job is very stressful for a family. The emotional impact it has on the husband or wife can be very different. Both may feel depressed and anxious as a result of the loss. Self-esteem and worthiness issues are common. These factors, combined with the financial implications resulting from a spouse’s job loss, place a strain on a marriage. However, exercising solid coping skills during this transitional time can lead to a successful outcome. Time to process It is important to give your spouse time to process what has happened and get a handle on the future. Often our job defines us--reinforces our worth to our family and others. While our self-worth should be shaped by other measures, our job plays an important role in our lives. Due to the financial strain resulting from a job loss, the natural response from both parties is to get a job as soon as possible. However, finding a new job can take time. During this time, sensitivity and careful response is essential in supporting your spouse. Encouraging words and conversations about other things can help ease any tension that money issues can cause in a marriage. Avoid picking out jobs for your spouse. As well meaning as this approach seems, it often backfires. They may begin to feel you have lost faith or trust in their abilities to manage their affairs properly. Questions about how the unemployed spouse spent their time during the day may be offensive. It is important to be aware of trigger points that may spark conflict. A person may lash out because they feel inadequate or are depressed. As important as processing time and feelings of the unemployed spouse are, so are those of others involved. It may be helpful to talk to a counselor during this time. A counselor can help you identify the unique feelings and stressors experienced during a time of loss. They can offer feedback and coping skills you may not have considered previously. Reach out to friends and family that may have experienced a similar situation. Ask them how they managed the process. Fear and Finances A financial plan is an imperative step in eliminating fear and uncertainty of the future. The plan should be developed to encompass at least three months that follow the unemployment. Together, determine what you can cut back on, or live without. Big changes should be considered carefully. Remember, the situation is not permanent. Your spouse may be eligible for unemployment compensation. This benefit can be very helpful when facing job loss. Consulting a financial advisor or counselor may be necessary in some cases. However, cutting back on special perks or extras can trim a budget quite a bit. The Bottom Line At the end of the day, your marriage and relationship with one another is more important than anything else. Be kind to one another. Talk about your spouses good qualities, compliment them. Take notice of the extra help you are likely receiving around the home, or in other areas of your life. You will likely come out on the other side stronger and closer than ever before.

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