Fighting Fair: How to Disagree About Money in Marriage

Don't let money be a sore point in your marriage

Marriage can be hard enough some days. Throw money into the mix, and things can get downright ugly.  However, just as disagreements in other aspects of your married life don’t have to result in permanent rifts, disagreements over money don’t have to ruin your relationship.  As with all things in marriage, money issues need to be worked through. Here are some ideas for overcoming disagreements about money in marriage:

Know Thyself

One of the best things you can do is understand your relationship with money.  In order to articulate your position on money to your partner, you need to be able understand.  Think about why you spend (or save) money the way you do.  You should also come to grips with why you don’t like the way your spouse handles money, and determine whether or not your own preferences and money prejudices are coloring the situations.
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How to Make Your Financial Goals a Reality

Supre Charged Guide to Financial Freedom

Do you have a solid plan that will make your financial goals a reality?

Craig has recently written some excellent articles on how to create SMART goals.  These are goals that are specific, measurable, attainable, relevant and time-bound.

However, setting financial goals is just the first step.  Once you have your aspirations properly identified, you’ve got to follow a concrete, actionable plan to move from where you are to where you want to be.

You need a map and directions to reach your desired destination, one that lays out your path in a step-by-step manner.

Financial Goals without a Plan are Pointless

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The Greatest Impact On My Finances And My Best Financial Tool

My wife keeps me afloat.

You can have your spreadsheets, online budgeting sites, statements, etc…  Want to know what the single greatest positive impact on my finances has been? I’ll tell you – it’s my wife.  Let me explain…

Back in the day I was in debt, had no savings, no investments, and my net worth was measured in “things” I owned (not like a house but more like guitars and music CD’s).  I wasn’t the picture of good financial health.

But I slowly worked my way out of my financial funk.  I educated myself.  I paid off my credit cards.  I contributed to my 401(k).  I started saving.

I did these things on my own.  Had I not met my wife I would have continued to improve my finances but not to the extent that they are at now.  My wife turbo-charged my finances, well, OUR finances.

Here’s why my wife is the greatest impact on my finances and my best financial tool: Continue Reading

The Best Personal Finance Articles of 2010

Career Ladder

The end of the year – it’s a time to look back and remember all that’s happened. It’s also a time to reflect on the best of the best for the year.  I thought it would be fun to put out a call to those in the personal finance community and ask for their best article of the year.  These are articles that either the author thought was their best work or perhaps the readers responded strongly to.  I think as you read through these you’ll find a lot of gems, great information, interesting stories, and even a little controversy.  Enjoy!

The following are the best of personal finance articles in 2010:
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Busting Common Investing Myths – A Tweetup With Motley Fool’s Tom Gardner and ShareBuilder’s Dan Greenshields

Understanding stock selection

A little while back I had the pleasure of attending a Tweetup at the NYC ING Direct Cafe hosted by Sharebuilder‘s president Dan Greenshields with special guest speaker Tom Gardner, CEO of The Motley Fool.

For those wondering what a Tweetup is, it’s basically an organized meeting of sorts over the social site Twitter.  The meeting was held at the ING Cafe and people from all over could follow along and participate via Twitter.

The premise of the Tweetup was to help investors bust common investing myths and take the complexities out of investing.

I tried to takes notes as best I could so I could pass them along to you.  Keep in my I’m paraphrasing here and some of the words are mine, but I think you’ll get the general ideas of what was being said.

To start, Tom Gardner talked about four basic investing rules we should all follow (this is just part of his full list of rules):
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Charge Cards Are Not Credit Cards – Understanding the Difference

People often assume a charge card is just another way to say credit card but that is not the case. A charge card is a completely different entity than a credit card.  If you have never used a charge card, you should know what sets them apart from the regular plastic credit cards you may already have in your wallets.

What Is a Charge Card?

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What To Do With Your Money In Your 20s, 30s, And 40s – Ideas From Generation Earn

Generation Earn: The Young Professional's Guide to Spending, Investing, and Giving Back

Most of us don’t move through life in pre-determined stages, but there are still some generalizations we can make about money and age. These ideas for what to do with your money in your 20s, 30s, and 40s come from my new book, Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, which was just published by Ten Speed Press.

In your 20′s:

Invest in your career. Your career is the one place where it makes sense to splurge.  This might mean investing in the services of a career coach, or taking a leadership development class.  It could mean something as seemingly superficial as working with a personal shopper to make sure your wardrobe helps you look and feel good at work.  Or perhaps purchasing some guide books about your chosen field.  Investing in your career now, when you have time, can pay off hugely later.
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