Tag Archives: Finances

Ten Tips for Keeping Your Catholic Wedding Focused on Faith

A bride and groom getting married in the Catholic Church know that their wedding is about more than the perfect dress or expertly staged pictures: for baptized Christians, marriage is a sacrament, and for all couples getting married Catholic, the wedding is a profound expression of God’s love and a witness to the couple’s faith. Here are some ways to help keep your wedding focused on what truly matters.

1. Keep it simple.

In “The Joy of Love” (Amoris Laetitia [AL]), Pope Francis notes that sometimes all the practical considerations about the wedding—the things that wedding magazines focus on, like color schemes, makeup design, or clothing— “tend to drain not only the budget but energy and joy as well” (no. 212). Pope Francis does not want you to be “exhausted and harried” on your wedding day instead of “focused and ready for the great step that [you] are about to take” (AL, no. 212).

2. Can’t afford a fancy wedding? Get married anyway.

Sometimes people are so concerned with the fact that they can’t afford a grand celebration that they decide not to marry. The Holy Father says to these couples: “Have the courage to be different. Don’t let yourselves get swallowed up by a society of consumption and empty appearances… You are capable of opting for a more modest and simple celebration in which love takes precedence over everything else” (AL, no. 212). If cost is a true obstacle, ask your parish priest for help. There may be people in your parish who can pitch in to make things more affordable, or perhaps another couple getting married around the same time with whom you could share the expense of decorations.

3. Choose your readings and prayers carefully and pay attention to the liturgy.

There’s a reason that the engaged couple chooses the readings and a number of the prayers in the Order of Celebrating Matrimony: the love that God has given you to share is the reason that you and your loved ones are together for this celebration. “In their preparation for marriage, the couple should be encouraged to make the liturgical celebration a profound personal experience and to appreciate the meaning of each of its signs” (AL, no. 213). Don’t rush through your choices, and discuss with each other what each reading means to you.

4. Choose lectors well, and give them some practice.

Generally an engaged couple can choose people to read the first reading, responsorial Psalm, and second reading, and to offer the Prayers of the Faithful. Because these moments of hearing Scripture and praying together are an important part of a faith-filled Catholic wedding, choose lectors who have read in church before, or who are comfortable speaking in public. Give them a copy of the reading and/or prayers well in advance and ask them to attend the wedding rehearsal so they can practice in the church. Make sure they understand the solemnity of the occasion.

5. Let the music at your wedding lift hearts to God.

Music during a Catholic wedding can add beauty and dignity to the ceremony, and also plays an important liturgical role. Parishes may have policies about what music can be used, so check with your pastor. The parish organist or music minister can help you choose songs and possibly provide musical talent, or connect you with a cantor and/or musicians. There are many beautiful songs that reflect God’s love, both instrumental classical pieces and songs that can be sung together by the entire congregation. Secular or pop music is best saved for the reception.

6. Show care to the needy.

Part of your vocation of marriage is helping those around you, including the poor. There are creative ways to do this on your very first day as husband and wife. You could include an intention in the Prayers of the Faithful for those who are struggling or in need. You could also omit wedding favors in order to give a donation to a local charity (you could announce this at your reception with a nice table display). Some couples invite their guests to bring a donation to a food bank, and set up a basket at the reception to collect them. The jewelry you buy and the gifts you register for can express care for the poor as well, as is explained here.

7. Remember what it is you are doing.

During the wedding, when there are quiet moments, take a deep breath and recollect that you are in God’s presence. When it is time for the exchange of consent, remember that this is the moment – the heart of the wedding. Pope Francis says, “In the case of two baptized persons, the commitment expressed by the words of consent and the bodily union that consummates the marriage can only be seen as signs of the covenantal love and union between the incarnate Son of God and his Church” (AL, no. 213). After you have exchanged your consent, you are married, and are a sign of God’s love for everyone else in the church!

8. Be attentive to all the signs at the wedding.

The wedding ceremony is full of signs and symbols: the processional, readings, rings, and so forth – all of these speak of the beauty of marriage and its permanence. The most eloquent symbol, in fact, is your union in love. Pope Francis says, “In the baptized, words and signs become an eloquent language of faith” (AL, no. 213). The liturgy that celebrates the marriage of two Christians speaks of a God of love who draws human beings into this love in a profound way. Try to listen and to see with the eyes of faith.

9. Pray, pray, and pray some more.

Now is the perfect time to start praying daily with your future spouse; wedding-planning stress gives ample opportunity to share your concerns with the Lord! A great way to incorporate prayer into wedding planning is by reading through the Scripture readings and prayer options for your wedding ceremony slowly, letting the words sink into your hearts. Another great idea is to host a Eucharistic Holy Hour the evening before your wedding for your bridal party and family; one newlywed couple explains how that worked for them. And remember to say a quick prayer – together or separately – on your wedding morning!

10. Above all, remember…the wedding is only the beginning!

Pope Francis encourages everyone in the Church to help couples live out married life. “They [young people] need to be encouraged to see the sacrament not as a single moment that then becomes a part of the past and its memories, but rather as a reality that permanently influences the whole of married life” (AL, no. 215). The Sunday after the wedding (and every Sunday!), be sure to come back to church and meet your community again, this time as husband and wife. And remember that the vows you say at your wedding day are all in the future tense (“I will”); they “involve a totality that includes the future: ‘until death do us part’” (AL, no. 214).

Illness

Many kinds of illness- physical, mental and emotional- can impact a marriage. They range from the occasional cold, to an unexpected accident, to chronic or terminal illness.

Here we consider long term or chronic illnesses, and serious conditions such as cancer, loss of a limb, diabetes, and life- altering disabilities. All of these test the “in sickness and in health” part of the couple’s marriage vow. Illness, especially chronic illness, changes the relationship with spouse, family, friends, social network, and God. Illness can bring out the best – and sometimes the worst – in both spouses.

A long or severe illness is usually a crisis- a turning point that can lead to ruin or renewal. A chronic or life-threatening illness creates a demand for a “new normalcy.” Not only do familiar daily patterns change, but also your expectations of how you will live, love, and share a mutual life. There is no going back to the way things were – only a going forward. At times it can feel like a roller coaster ride from hope to despair and back to hope. That’s normal. In addition to dealing with the illness itself, other issues that couples need to address include finances, ability to work, lifestyle, intimacy, and emotional and practical support for everyday life.

Dealing with the illness

This starts with understanding your illness and accessing the best medical treatment possible. Many people turn to the internet for assistance. This can be both a blessing and a curse. Which websites offer reliable help? How can you distinguish valid medical information from advertisements? See the websites below for a start. It’s crucial to have a strong network of support. Initially, many people want to help by bringing food, running errands, visiting, calling, and praying. As time goes on, however, many do not know how to give sustained help. The person with the illness and the caregiver(s) may fear asking too much or too often.

Suggestions

  • Keep building your support networks as you age. Make sure you ask many people who can give at least a little time rather than depending on one or two people to do it all. Draw from church groups, neighbors, friends, relatives, community support, and support groups of persons with similar illnesses. Try to have at least five good support friends, or more, to insure that one will usually be available to lend a hand. Depending too much on the same group of people can burn out the entire group.
  • Develop a mutually respectful relationship with your doctor(s). The less stress you feel about your medical care and frustration of dealing with the system, the better your chances for recovery.
  • The primary caregiver needs care too. If you are the caregiver, treat yourself with as much kindness and care as you do your ill spouse.
  • Take advantage of support groups for people with your illness. Look into partnering with a “patient navigator” to help you move through the medical system. Hospitals often sponsor support groups or can link you with a mentor.

Financial stressors

Some couples are blessed with insurance that covers expensive treatments when illness strikes. It may not cover lost income, however. When a wage earner loses a job, everything changes. You may need to draw down your savings and cultivate a simpler lifestyle. The illness may affect the kind of job your spouse needs to get.

If a couple is younger (especially if you are still in the active parenting stage) the financial stressors can be even greater. Some couples use up their resources and need to declare bankruptcy or hope to qualify for Medicaid.

Suggestions

  • While you’re still well, consult with a person who understands the financial issues involved with chronic illness and disability. Make sure you have both a short term and long term plan.
  • If it’s too late for the “while you are well” suggestion, do it now and lean on the medical support services to guide you.

Work

The loss of a job has repercussions besides loss of income. Identity is closely tied to one’s work. Work helps us feel productive, important, and useful. We may need to grieve the loss of this identity. Loss of employment also takes away important social networks. The caregiver may have to take on additional employment or household responsibilities. These role reversals can be difficult for both partners. Few people like depend on another for daily care. The ill spouse may feel guilty about burdening the caregiving spouse. Self-esteem takes a hit. Meanwhile, as generous and loving as the caregiver is, this “job” is time-consuming and draining.

Lifestyle and Recreation

The caregiver might have to do things that he or she had previously not done. The illness can become the focus of your life and everything can revolve around it: researching it, getting to/from treatment, dealing with side effects, doctor visits and support groups. Even cooking can be a challenge if the ill person needs a special diet or needs to be coaxed to eat. Recreational pursuits that both of you previously enjoyed may become physically impossible. Travel may be more difficult. This doesn’t mean you don’t have fun; you just have to be creative about finding new interests that fit changing physical abilities. Recreation may become more passive such as watching TV, movies, or going out to eat. The caregiver may need solo recreation such as working in the garden or going out with friends.

Suggestions

  • Careful planning can help couples work out treatment schedules, but make peace with the reality that the future is not knowable or predictable.
  • Keep a sense of humor. Make sure that each day includes some type of play and spiritual activity.
  • Do not let the illness become the primary organizing principle of your life, even though recreation might not be what you’re used to. Persons who do the best in treatment are those who continue to play, take short vacations or day trips, and continue to socialize to the extent they are able.

Intimacy and sex

Physical limitations, emotional and physical fatigue, financial pressures, and lack of time can all affect intimacy and lovemaking. Snuggling may replace sexual intercourse. Sometimes, even touching or holding is difficult. Many chronically ill people report that although sexual intercourse is limited or non-existent, emotional and spiritual closeness increases because of the shared trauma. Look for new ways to express your love so that you can sustain a caring, growing relationship.

Mental Illness

A spouse with mental illness presents an even more complicated situation. The disease is harder to “see” and often caries a stigma. Relative and friends may not be compassionate. It can be hard for the caregiver if the spouse is unwilling to accept help and follow treatment. The mentally ill person may show little gratitude for the efforts of the caregiving spouse. In this situation, a support group with an effective counselor is a must.

RESOURCES:

Hanks, Jerry and de Cordova-Hanks, Bobbie. Tears of Joy. Infinity Publishing, 2006.

Stephen Ministries trains and organizes lay people to provide one-to-one Christian care to hurting people in a faith based setting.

The author acknowledges the Durham, NC Cancer Support Group for its help.

For Further Reading:

Resources for Caregivers:

  • Nourish for Caregivers – a faith-based program designed to meet the practical, emotional and spiritual needs of family caregivers.

About the author
Susan Vogt is an author and speaker on marriage, parenting, and spirituality. Her website is SusanVogt.net.

Careers

At first it probably sounds simple. Get a job to pay the bills so we can live happily ever after. But jobs take a lot of time and sometimes that time is stolen from the time that the marriage relationship needs.

Factor in that there are jobs and then there are careers and things get even more complicated. Generally a job is considered something one does for pay, but it does not necessarily require specialized education. A career is a job that you get paid for. It requires dedication to the field of work, plus you are expected to progress in knowledge and commitment over time.

Careers are usually more satisfying than jobs. The rub for married couples is when career decisions of one spouse conflict or compete with the marriage, family responsibilities, or the career of the other spouse. It’s a matter of discernment and juggling. The balancing act is often not easy. Following are some things to consider when making career decisions.

How much money do we need?

Ignore the temptation to give the flip answer “as much as possible.” A need is different from a want. Sure, it might be nice to have a swimming pool, a fancy car, or an upscale address (choose your luxury), but what is really necessary are the basics: food, clothing, shelter, health care, safety, and care for any children you may have. It’s OK to splurge occasionally but be sure to weigh the cost against the impact these things will have on couple and family time.

Should both of us work outside the home?

This is a complicated question with many variables, such as:

1. How necessary is the double income to survival?

2. How invested are each of us in our jobs or careers?

  • Would it be possible for one of us to take a leave from our career for a time and re- enter without undue penalty later?
  • Could one of us work part- time?
  • Could each of us work half time?
  • Could one of us stay current in our field and feel fulfilled by doing volunteer work?

3. Do we have young children, teens, or aging parents who need attention and personalized supervision?

4. If we have young children, do we have reliable child care providers who share our values and discipline beliefs?

5. Do we both strongly want to work outside the home?

What if our careers create conflict between us?

Some careers may put a marriage at risk because they are all-consuming. The job becomes a mistress or an addiction. It not only takes time, but also energy, away from the marriage. Sometimes the workplace provides the temptation to pursue an extramarital affair. Following are some questions to ask yourself:

1. Does your career require time commitment significantly over 40 hours per week?

2. Does your career require a lot of out of town travel?

3. Is your career so foreign to your spouse that it’s hard to share the nature of your work, at least in a general way?

4. Does your spouse’s work setting put him/her in frequent, intense working relationships with the opposite sex? Are your marital commitment and boundaries clear? Does the workplace support your marriage or put it at risk?

What are some ways to keep work, marriage, and family in balance?

Generally, work and children take their time off the top of a relationship. Work provides necessary income and includes built- in accountability, i.e. a boss, wages, reviews. Children make demands, plus we are responsible for their well- being.

The challenge is to give work and children their due but to balance them with what’s needed to keep a marriage strong. The temptation is to let the marriage go on autopilot because you’re both adults, you know you love each other, and you can let it slide for awhile, when job or kids are demanding your time. The key phrase is “for awhile.” Indeed, most marriages can absorb temporary spurts of attention to an urgent work project or an ailing parent. But it’s easy for a temporary crisis to slide into an ongoing pattern. To avoid this it’s helpful to have some regular marital practices that can prevent the balance from getting out of hand. For example:

1. Commit to a weekly date. This might not always involve spending money or going out, but it should be sacred time to renew your relationship and do something fun together.

2. Agree on how many hours of extra work (at the office or brought home) you can tolerate as a couple. Where do you draw the line and say it’s time to look for a different job?

3. Share what you love and hate about your work with your spouse so you stay connected with each other.

4. If necessary, lower your housekeeping standards (or pay someone to do chores you could do yourselves) to maximize couple/family time.

5. Include your spouse in work travel and parties when possible.

6. Staggering work schedules to minimize child care can be good for your relationship with your child but hard on the marriage. Make sure that your only together time is not while one is sleeping.

7. If you need to gain couple time, say no to nice but non- essential tasks such as:

  • baking cookies for the PTA
  • chairing a charity fundraiser
  • going to events that you can’t do as a couple
  • going to events that you don’t really care about but are in the habit of attending
  • TV, videos, and computer gaming- they can be time wasters

Prioritize

There are so many important and wonderful things we want to do with our time. How do we decide what to do and what to give up or do later?

The bottom line is:

  1. Marriage first (This is the vocation to which you committed yourself.)
  2. Children second (Your children may take more raw time, but not at the expense of your marriage. A healthy marriage is good for your children.)
  3. Job third (Again, your job may take more hours, but don’t let it rule your life.)
  4. Service and Recreation (Good and healthy to do, but make sure the other bases are covered.)

For Further Reading:

Balancing Careers and Family

Balancing career and family is one of the greatest challenges facing newly married couples. Just when you thought marriage was going to simplify your life, you start to realize that there are decisions ahead, such as:

  • Whose career takes priority?
  • Will both of us continue to work outside the home once we have children?
  • Is it fair for me to be stuck in a dead-end job in order to put you through school?
  • Will the spouse with the higher income have more say in how our money is spent?
  • If you work and I work, who does the housework?

Don’t lock yourselves into a house or car payment that requires two incomes.

All of a sudden, wedding planning looks minor by comparison. And it should, because these are big decisions that affect your future lives together. But you don’t have to make them alone and you don’t have to make them in a vacuum.

This website cannot give you personalized career advice, but we can pass on the wisdom of many practitioners in the field of marriage enrichment. One frequent question that comes up in marriage preparation programs is:

Should one spouse quit work when children are born?

Answer: Maybe yes, maybe no.

It certainly helps to have one parent at home nurture and raise the child according to the values you hold. It makes life a lot easier and less stressful.

On the other hand, this is not always financially or professionally possible. A lot depends on your income and job. Also, some parents don’t have the temperament to spend many hours with young children. It can be draining and exhausting.

Like many couples, you may want to keep your options open. To do this, family life educators often recommend that if both spouses are employed when you get married, try to live on one spouse’s income. Use the second income for one-time purchases such as a down payment on a house or furniture, savings, or optional recreation. Don’t lock yourselves into a house or car payment that requires two incomes. This way, when you have your first child you are free to choose. You may have always expected that both of you would continue working outside the home once you had a child. BUT…you may feel differently once parental instincts kick in. You may not change your minds, but at least you have a choice.

Looking for Long-Term Dividends? Try Marriage

One of the oldest axioms of married life is that two can live more cheaply than one. That may sound like stretching a point, but the facts at least support the notion that, for a variety of reasons, a married couple can stretch a dollar bill a lot farther than two people living on their own. Perhaps the axiom should be: two can live more cheaply as one.

The fact that two can live more cheaply as one is not only a good reason for so many mergers at the altar, but for so many mergers in the business world. Hard-nosed business people know that there are a lot of cost savings to be had in merging with similar businesses.

The same is true of marriage. And living in one residence rather than two is just one of the reasons. People who are married tend to save more, and they are more cautious in their spending (a young husband is a lot less likely to blow the family income on a fancy sports car if he has a budget-minded wife looking over his shoulder).

Married couples enjoy another economic benefit: specialization. When you’re married, you don’t have to “do it all.” People in marriage can specialize in doing what they do best, and let their spouses do the rest – assuming, of course, that the chores are divided fairly. And when one gets sick, the other is there to pick up the slack.

The term “economy” derives from the Greek word for household management. The toil and drudgery of managing the home itself has been relieved somewhat by modern machinery, but the need for skill in raising children, educating them, and preparing them for the challenge of having families of their own is just as compelling as it has been at any time in history. In fact, with the temptations facing children outside the home today, the need for skill in household management is perhaps greater than ever.

Family life helps the economy

Family life is good for the economy, not to mention for society. Despite the growth of big business firms, the family is still a great training ground for the kind of virtues that lead to successful careers. Family life teaches perseverance, cooperation, the ability to get along with others, and respect for authority – all virtues that are valued highly in any workplace.

Business people are gradually learning the importance of good family backgrounds. Graduate business schools try to teach ethics to their students, but have found that unless their students have developed a deep, internalized sense of ethics while growing up, they are unlikely to profit from an academic presentation of the subject.

In other words, ethical leaders are home-grown, and the values they take with them into the institutions of life are learned mostly by the advice and example of their parents and brothers and sisters.

Married men earn more

Married men are not only more ethical businessmen, they also earn more. According to The Case for Marriage, a book published in 2000, “husbands earn at least 10 percent more than single men do and perhaps as high as 40 percent more.” The authors, Linda J. Waite and Maggie Gallagher, cite another study which found that married men, age 55 to 64, earned 20 to 32 percent more than their non-married counterparts.

The earnings gap certainly seems understandable. Married men, even those whose wives work, have dependents to support, so they are more apt to search for jobs that pay well. The pay differential works both ways. Not only do men who need to make more search for jobs that pay more, but companies search for men whose need to earn more makes them more likely to stick to their jobs.

Single men have more freedom to jump from job to job in a search for the perfect career that will satisfy their need for greater meaning in their work. Married men, often the main breadwinners, find that supporting their families lends meaning to their work, and for that reason, are the more stable employees.

David Popenoe, co-director of the National Marriage Project at Rutgers University, sees the same factors at work for men and women. As he put it in an interview with USAToday, married people “work harder, they advance further in their job, they save more money, and maybe invest more wisely. That’s because, one can speculate, they are now working for something larger than themselves. They are working for a family.”

The value of a durable marriage is seen even more clearly by those who split apart. Jay Zagorsky, a Ohio State University researcher, found that couples who divorce give up more than what one might expect to be half of everything they own: they actually lose roughly 75 percent of their personal net worth. The same results were found in a 2006 report by the Rutgers project: a 73 percent drop in wealth for those who divorced and didn’t remarry – and a 75 percent drop in wealth for those who never married.

Marriage is a long-term commitment. For those who are willing to make the commitment, and stick with it, marriage is an institution that will yield long-term dividends.

Romance On a Budget

It’s Saturday night and Jim and I have a babysitter. I suppose we should check to see what movies are showing. This is the time for our weekly date. (A few years ago we realized that unless we actually scheduled time together to nurture our relationship with the same priority that we make work appointments, it too often slipped through the cracks of our busy lives.)

But wait a minute; if we pay the babysitter, we won’t have enough money left for a movie, much less the inflated costs of popcorn and pop. Even more importantly, we remind each other that our purpose for this time together is to reconnect with each other. Staring at a screen would take the focus away from each other. Sure, sometimes there are top-notch movies that have sparked some excellent conversation afterwards, but tonight, the choices were mostly horror movies, inane comedies, or low budget sex films. Oh yes, we could rent a video and play it at home where the drinks are cheap, but we already had the babysitter and were anxious to get out of the house and away from the children.

Situations like the above have prompted us to explore other kinds of “dates” and I’d like to share some of our more successful ones with you. Although our budget isn’t always this tight, I’ll focus on free or inexpensive dates since most people are pretty familiar with the traditional dinner out or going to a play.

Outside Dates:

  • Go to a local park or place of nature. Bring a blanket and a snack. In greater Cincinnati we are blessed with spots along the Ohio River. Watch the lights along the river and talk.
  • Early evening bike rides. If a bike trail is convenient, it makes the riding more pleasant and less work.
  • Twilight hikes in the woods with a good flashlight or a nature guide.
  • Watch a fall high school band competition and reminisce about your own high school days.
  • Climb a tree and talk.
  • Find an empty church. Sit, explore, pray. Light a candle for your loved ones.

Inside Dates:

  • Dress up. Go to one of the expensive downtown hotels with a nice lobby. Relax, chat, maybe have a drink and pretend that you’re registered there.
  • Go to the airport, train, or bus station. Sit where you can watch passengers arrive. Watch loved one’s reunite and mysterious people go on their way. Make up stories about the passengers you see and why they’ve come to your area. Why not add a prayer especially for those who look like the purpose of their travel might be a crisis or unhappy occasion?
  • Usher at a local theater. See some great shows for the price of a flashlight and a little extra time.
  • Go window-shopping downtown or at a mall.

Most of the above activities work best when combined with an ice cream cone, frozen yogurt, or hot mulled cider. Of course sometimes, the lack of babysitters, money, or just too many nights out already that week, make staying home the date of choice. To make at-home dates work with kids, we’ve tended to start them very late, after the younger children are in bed and the older ones are out. (We’ve rearranged our bedroom to have a place of escape if the older ones don’t take our hints about going out.) To stay awake we often give each other time for a nap earlier in the evening. Here are our favorites.

Stay at Home Dates:

  • Play Scrabble (or other board games or cards for two). This has worked best with candlelight and a special snack. Note: Be sure you are of relatively equal ability and the rules are mutually acceptable or this can backfire. Trust me, I know.
  • Late night candlelight dinner for two.
  • Anything in front of the fireplace with popcorn or wine. (Sharing topic: Each write down 5 to 10 favorite times we’ve had together over our marriage. Reminisce.)
  • Rent a classic, nostalgic video like Casablanca.
  • Roll up the rug, get some tapes of 50’s-60’s rock and roll (or your favorite pre-marriage dance style) and dance till you collapse.
  • Do a puzzle or finger paint together.
  • Backyard stargazing on a blanket.

So that one spouse doesn’t feel the full burden of initiating and being creative, we alternate responsibility for planning these dates. What creative dates have enlivened your marriage without breaking the bank?

Finances: Yours, Mine, Ours

The Situation

Tim’s aunt sold her large home and moved to a retirement village. She decided to share some of the proceeds with Tim and Megan and sent them $6,000 to be used any way they pleased. After their initial excitement, the couple began to discuss how to use the unexpected boost to their financial picture.

Megan immediately suggested putting the whole amount into their savings account. The couple had dipped into their savings recently due to the expense of fixing the foundation of their older home. Megan saw the money gift as a way of shoring up their “safety net” of funds for future emergencies. She viewed money as security. Having grown up in a home where money was always tight, she carried the fear of not having enough into her adult life. She wanted her present family to be better prepared.

This approach wasn’t what Tim had in mind. He saw money as a resource to be spent on things or activities that provided fun and satisfaction in life, for oneself and others. He was responsible with money to pay bills and take care of the family, but had been known to overindulge in using money for enjoyment. There were no money concerns in Tim’s growing up years. Whatever he needed or wanted was at his fingertips. And after all, this was his aunt; shouldn’t he have more say in the matter?

This was not the first discussion about finances where Tim and Megan differed in how they viewed money and its uses. What are possible healthy choices for Tim and Megan as they work through this issue together?

The Prescription

Surveys identify money as one of the top issues over which couples have conflicts. Therefore, developing a couple-style of managing money is crucial to the health of a marriage. If a couple can’t work through their money issues together, the relationship will face problems of distrust, resentment and insecurity.

Since money is necessary for our well-being, it is a strong emotional issue in all of us. Tim viewed the use of money through the lens of enjoyment while Megan saw money as a means of security. Others may regard money through the lens of status, success, or a way of maintaining independence or security. None of these orientations is wrong in itself unless taken to extremes, or if one spouse refuses to consider the other’s view.

Tim and Megan can benefit from the following principles and skills as they make decisions about money matters in their marriage:

  • Come to the discussion with respect for your spouse’s perspective and input. Develop an attitude of an “intent to learn.” This requires a commitment to careful listening and prevents protective posturing.
  • Work towards a balance of views and uses of money to achieve a sense of success, security, enjoyment, and well-being. For example, Tim and Megan might elect to put $4,000 in savings and use the rest for a couple trip.
  • Avoid one-sided decisions. Make a budget plan and stick to it.
  • Remember that in marriage what is mine is yours – even gifts from a relative.
  • Avoid debt overload by saving and living within your means. If irresponsible spending has been an issue, set up a budget that reduces expenditures in order to get debt under control.
  • Remember that donations to one’s faith congregation are not meant to be leftovers, but an integral part of your budget.
  • Become an informed money manager couple. Reading a book or article on money issues (i.e. The Marriage Journey: Preparations and Provisions for Life Together by Linda L. Grenz & Delbert C. Glover) or taking a financial planning course together helps couples make more responsible and agreeable financial decisions.
  • Money matters in a marriage. When spouses take time to understand and honor each other’s perspectives on money and make wise and generous financial decisions, money becomes a bonder and not a divider in their relationship.

About the author
Judy Clark is the Co-Director of Adult and Family Ministry at St. Mark the Evangelist Parish in Plana, Texas. Judy is also a licensed professional counselor.

View more Marriage Rx prescriptions here.

How Financial Difficulties Affect Marriage

Pete and Jenny were married for seven years when Pete’s job was downsized. He was out of work for eight months while car payments, school debt and credit card bills piled up. Jenny worked overtime and Pete got a part time job at night while job searching during the day. Their personal differences in spending, saving and accounting for money made it difficult to face their money problems. Panicked that they might lose their home, they sat down with a financial counselor and created a plan that cut extras, including their son’s piano lessons, pedicures for Jenny, and Pete’s summer fishing trip.

In retrospect they both agreed it was a time of disillusionment and stress that almost ended their marriage. Tensions erupted in ill-tempered arguments over little things. Anger, resentment, self-pity: they experienced it all.

They also recognized that the crisis pulled them together in adversity. It helped them learn new ways to disagree without fighting andto set priorities. When short on money, they found creative ways to enjoy life and make sacrifices for their future together. They admitted that all of those things brought them closer to each other than they had ever been. Their financial struggle was a life-shaping lesson in what it means to be married “for better, for worse.”

The economic downturn is putting stress on marriages at every income level. Whether it’s a job eliminated in an automobile plant or stock losses in the retirement portfolio, unwelcome lifestyle changes have become necessary for many people. Major economic worries affect both individual well-being and the couple relationship. The apprehension connected with unpaid bills, credit card debt and possible job or home loss seems to bring out the worst in people. Anger about money spills over into other areas. Communication breaks down. Differences in money habits begin to surface and blaming each other erodes affection.

Serious money problems can cause panic and apprehension and bring many couples to the brink of divorce. But other couples are growing through the difficulty, finding ways to use their differing skills as a team to overcome adversity. When I asked couples who survived how they managed their money crisis, here is what they said.

We got professional advice.

The money issue became an ugly power struggle. A financial advisor helped us be objective about what needed to be done. He helped us create a plan and set goals for ourselves. State and local agencies provided free or low cost advice and support to help us meet our goals. Friends of ours read a book on finances and gathered with other couples who were trying to manage their money problems.

On our wedding day, we said we’d be faithful “for better for worse.” This was the “for worse” and we’re better off for having survived it.

We took a serious look at our individual approaches to money because we couldn’t agree on anything.

He’s a saver, I’m a spender. We found an easy-to-use tool, called MONEY HABITUDES, that helped us explore the strengths and weaknesses of our own attitudes and habits about money. Information is available at www.moneyhabitudes.com. HABITUDES helped us understand and respect each other more and it has spilled over into other aspects of our relationship.

We stopped the blame game.

Blame eroded the team spirit needed to overcome the crisis. We were on opposite sides battling each other instead of battling the problem. We started working together on carrying out our financial plan, each making personal changes when needed.

One of the blessings given to us at our wedding liturgy was to have the experience of “two becoming one” in mind, body and spirit. We caught a glimpse of what that meant. We had different ways of handling money, but we wanted a future together and we both took responsibility for that.

We visited a marriage counselor several times.

We were fighting constantly and couldn’t talk without bitterness and misunderstanding. We realized that there were other issues lying dormant under the financial problems. Our counseling sessions helped us recognize destructive patterns in the way we were communicating and treating each other. We were so scared we might not make it, that we prayed to God for help. It was humbling, but critically helpful in getting us through the worst of times.

The current financial crisis isn’t simply a money problem and no one particular strategy works for every couple. Couples may have to explore several solutions or start all over after a failure. But this crisis provides an opportunity to assess and strengthen the relationship. The current economic downturn is a test of the partnership that has been forming over the years and of the commitment to a future together. It measures the ability to make changes in oneself for the benefit of the marriage.

This crisis forces the maturity questions: “What is the difference between what I want and what I need?” “Can I delay gratification out of love for another?”

It raises marriage questions. “Are our common priorities as important to me as my own personal agenda?” It’s important to know my own needs, but essential to create a budget for “our” future. “Can I change my ways for the good of this marriage, this family?” “Do I trust that God is with us in this struggle and will provide help if we ask?”

Money in marriage is connected to everything else: communication, sex, spirituality, health. The rising unemployment rate, crumbling housing market, and credit crunch are bad news, but opportunity lies right beneath the surface of the rough water. The opportunity is to face adversity together, to renew trust in God and in each other and to build a stronger marriage that overcomes the test of time. There is no greater treasure than that.

About the author
Mary Jo Pedersen is an author and teacher who conducts workshops and retreats nationally and internationally on marital spirituality. She is the author of “For Better, For Worse, For God: Exploring the Holy Mystery of Marriage.”

Career Conflicts

The Situation

Julie and Jason thought they had it all worked out. When they were dating they had talked about how important it was to both of them to pursue their careers after marriage. Julie is a lawyer and Jason works in the IT industry. They even reconfirmed their intentions during their marriage preparation program. They knew they wanted to have children but they thought they could do it all. After all, Julie had gone to day care while her mother worked and Jason figured that with their combined incomes they could afford high quality day care when the time came.

Well, the time has come. Julie recently gave birth to a beautiful baby girl and they are both enthralled with their new role as parents. The problem? Julie has really bonded with little Jemima and she’s rethinking their decision. She finds it hard to imagine leaving Jemima when her three- month maternity leave is up.

Jason also has bonded with Jemima and certainly wants the best for his wife and new baby, but he’s practical. Their mortgage is based on both of them working full time and besides, with so many people being laid off, he’s not sure his own job is secure. On the other hand, quality day care is expensive. They wonder if they can afford it even with two salaries. How would you advise Julie and Jason?

A Response

It would be tempting to say that Jason and Julie should have anticipated this possibility and not bought a house dependent on two incomes. Perhaps they should have tried to live on one income and used the other salary for one time or discretionary purchases. This would have given them the freedom for one of them to quit work should a change of heart arise. Tempting, but they can’t undo the past. It also would be nice if their baby wasn’t born in the midst of a recession, but they, like most of us, have little control over such matters and certainly couldn’t have predicted it.

A more helpful and realistic approach would be to weigh carefully the various competing values. As in many moral dilemmas there may be several goods or problems that contend for priority.

Certainly Julie and Jason want to use the skills they’ve spent a long time honing. Not only are most careers personally fulfilling, many contribute to serving humanity. To work is an honorable and necessary part of life. As Scripture says, “The laborer deserves his wages” (Lk 10:7).

On the other hand, parenting is a career in itself. It takes intense devotion and time to raise a child. Not every parent feels parental instincts to the same degree, but strong instincts are not easily ignored, nor should they be. Then there is the value of wanting to be responsible parents. Caring for a child requires presence AND money. So we have the values of self-fulfillment, sacrificing time and money to care for a child, and making money to pay for a child’s needs.

When goods such as these conflict, consider the following steps when making a decision of conscience.

1. Gather the facts. How much money do Julie and Jason really need to make ends meet? If one of them puts his or her job on hold for a period of time, they will lose income but they may also save on work-related expenses. Plus, they wouldn’t have to pay for day care. Do the math. What would the bottom line budget look like?

2. Assess the emotional facts. Both Jason and Julie need to be honest with each other about their feelings. How guilty would Julie feel if she left Jemima to go back to her career right now? How fearful is Jason about losing income? Do either of them feel guilty or betrayed by Julie’s change of view? How regretful might Julie feel later if she postponed her career and found it hard to resume? Knowing the strength of these feelings doesn’t solve the problem but it helps them understand the motivations behind their differing positions.

3. Assess the alternatives. Is there any middle ground? Is a part time job a possibility? Would downsizing their lifestyle make it possible to make ends meet financially? Would it be possible for Jason to put his career on hold? Is the issue mostly Julie’s maternal instinct of wanting to be with Jemima or is it her larger concern of having someone else raise their child?

4. Consult others with experience. Sometimes choices feel so complex that it’s hard to evaluate. Here’s where other experienced parents can be helpful. Don’t just talk to the stay-at-home moms, however, or converse only with those who have decided on dual careers. Talk with both, especially those who hold different views from your own. They help check our rationalizations.

5. Bring it to the Lord. When decisions are confusing, bringing them to prayer can help us see more clearly. It’s not that we expect to hear a voice or get an e-mail from God. Prayer isn’t magic, but it can be powerful. Placing our worries, confusion, and hopes before God can bring clarity and peace. Prayer is a place of complete honesty since God knows our heart. There’s no reason to pretend or hide our motivations. Praying as a couple over this decision can help Julie and Jason to see the options clearly and generously. It can also bond them more closely as a couple.

Life decisions such as these are not easy but prayerful decision-making is a skill that transcends any one decision. Jason and Julie should find it helpful in the many future dilemmas they are sure to face as Jemima grows in wisdom and grace, and continues to perplex her parents.

About the author
Susan Vogt is an author and speaker on marriage, parenting, and spirituality. Her website is SusanVogt.net.

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To Work or Not to Work

“But a family just can’t make it on one income anymore!” This is a complaint that I hear more and more from both engaged couples and families with young children as they consider whether both parents will continue to work outside the home after the birth of their child.

This issue is not one to be tackled by the fainthearted. Certainly there are strong emotions connected with both positions on whether both parents of young children should work outside the home. Before I share my personal viewpoint let me clarify a few points.

Some families genuinely do not have a choice. Certainly most single parent families and any family below the poverty level truly cannot make ends meet on just one income even with a modest lifestyle.

Please note that I always qualify “work outside the home.” I am well aware of the strenuous, draining, and demanding work that a parent of young children does at home. Not only is this truly WORK, it generally is very low gratitude and low self-esteem work. On the other hand, some parents’ employment is based in their home. For the purpose of this article, this counts as work “outside the home.”

Although older children (ages 6 and up) still require a degree of physical care and certainly emotional care and presence, I focus here on the decision to work when there are younger children (under six). This is the time when psychologists tell us that the personality and values are especially formed. Besides, after the age of six a major portion of the child’s day is usually spent outside the home, in school.

By work I mean full time employment. Even part-time employment can be a strain on a parent with home responsibilities, but at least there is some flexibility.

The advantages of both parents working outside the home are clear: increased income, standard of living, and general self-worth. The primary disadvantage is lack of time which includes not only time to do shopping, laundry, and cleaning, but more importantly, time to be with children and spouse – Relationship Time.

The advantages to having one parent at home are obvious too – more relationship time. The cost? Less income.

What distresses me most is how quickly most new parents assume they don’t really have a choice because “You can’t really make it on one income anymore.” Given the above disclaimers I’d like to challenge that myth.

It costs to work outside the home. Not only are there the costs of child care, clothes, lunches, transportation and higher taxes, but also the hidden costs of not having time to shop for bargains, cook inexpensively, and make items one would otherwise buy.

Does it really cost more to support a family today or have we raised our expectations of how high our lifestyle should be? Yes and No. Indeed, our tax structure is regressive and inflation has decreased the value of real wages, but sometimes families are not working for the basics of food, clothing, shelter, and health care. Instead, it’s the extras of fashionable clothing, owning a larger home, and electronic “toys.” Some young families assume their lifestyle should match what it took their parents 20 years to reach.

For example, in 1967 the average car cost 21 weeks wages of a median family. Today the average car costs 27 weeks’ wages. The catch is that today’s average car has a lot more features like air conditioning, a CD player, electric windows, instant locks etc. Actually, a current equivalent car would only cost 17 weeks’ wages. Of course car makers don’t make what we would consider a stripped down model today because what used to be considered luxuries are now considered necessary. (OK, I’ll admit airbags are a valuable safety improvement.) But perhaps we aren’t willing to tame our hunger for more stuff, for the sake of family relationships. The same pattern is true for families buying their first home.

By now you probably catch my drift that although there are circumstances that warrant both parents of young children working outside the home, too often it’s a self-deluding trap. It takes sacrifice, creativity, and independent thinking to have a parent at home but it’s not as impossible as the conventional wisdom leads us to believe. At least it’s no more impossible than the heroic effort needed to sustain the hectic pace of a dual income family trying to do it all.

About the author
Susan Vogt is an author and speaker on marriage, parenting, and spirituality. Her website is SusanVogt.net.