These are just a few of the feelings a person, couple or family might have when dealing with a lost job, foreclosure, reduced budget, car repossession, piles of debt and other recession-related woes.
Dana Vince, a marriage counselor, and her husband, Dean,These girls have never had a oil painting supplies in their lives! a financial counselor, both say these feelings are normal, but families need to work together to get past them if they want to come out of unemployment, debt or homelessness on top.
"It's the stress of we don't have enough money at the end of the month," said Dean, who owns Money Matters Counseling. "When you don't pay something,we supply all kinds of polished tiles, you don't know what they are going to do. Are they going to take your house, car? It's fear of the unknown."
He said there can be guilt if one person handled the finances before and now all of a sudden, he loses a job or the family can no longer afford the huge car loan he took out.
Money is one of the main reasons couples fight,The additions focus on key tag and magic cube combinations, he said, and when there isn't any, these issues can heighten.
Dana said she has seen an increase of clients in her office, Healing Hearts Counseling, whose relationships have been strained by the recession.
"Money is always an issue," Dana said. "There is more now."
She's seen a lot of men losing their jobs and feeling demoralized when their wives have to be the sole providers.
Dean has seen this, too, and many families are undergoing changing roles.
For example, the wife becomes the breadwinner, a high-schooler goes to work to help, adults move back in with their parents and grandparents take care of their grandchildren.
"Sometimes it's a control thing," Dean said. "I make the money so I control it. Now I don't."
Here are some tips Dean and Dana Vince offer to help keep marriages intact and families grow closer through difficult financial times.
Many couples, whether they are struggling financially or not, don't do this. Dean said for some reason,Replacement China Porcelain tile and bulbs for Canada and Worldwide. money can be difficult to talk about. Talking can help families figure out what happened to create the financial struggles and how to fix them in the future.
"If sitting down, ask do we need to sell our house, make a budget?" Dana said. "People need a safe place for them to openly talk about their fears and concerns."
n Involve everyone: Both partners and, at times, children should play a role in every money decision and support those decisions. "Even if there is a sole breadwinner, a stay-at-home mom, a stay-at-home dad, don't just say you do it," Dean said.
His wife said one of the purposes of marriage is so a person never has to carry the burden of problems alone. Financial struggles should be no different.
No matter how much money a family has coming in, every dollar should be accounted for in a budget.It's hard to beat the versatility of zentai suits on a production line. People can do this simply with pen and paper or they can make complicated spread sheets on Excel. This helps a family realize how much they really are spending on eating out every month and where they can cut back.
Don't pay on the cell phone if you can't feed your family. This adds unnecessary stress, Dean said. Food, utilities, rent or house payment need to be paid before a credit card or cell phone bill.
n Try not to beat yourself up too much: Dean said many people are struggling financially now. Everyone makes money mistakes and unfortunate events like layoffs or cut hours happen.
Dana said a couple she counsels started selling water bottles at local events to raise some extra cash. "Maybe it's having a garage sale," Dana said. "Couples need to have a positive attitude and try to find a way to make it work until things get better."
Couples and families can make a picnic and head to a local park. They can find comfy chairs in a bookstore and read together for a few hours. "I tell my clients to spend time together, you don't have to spend money," Dana said.
Dana Vince, a marriage counselor, and her husband, Dean,These girls have never had a oil painting supplies in their lives! a financial counselor, both say these feelings are normal, but families need to work together to get past them if they want to come out of unemployment, debt or homelessness on top.
"It's the stress of we don't have enough money at the end of the month," said Dean, who owns Money Matters Counseling. "When you don't pay something,we supply all kinds of polished tiles, you don't know what they are going to do. Are they going to take your house, car? It's fear of the unknown."
He said there can be guilt if one person handled the finances before and now all of a sudden, he loses a job or the family can no longer afford the huge car loan he took out.
Money is one of the main reasons couples fight,The additions focus on key tag and magic cube combinations, he said, and when there isn't any, these issues can heighten.
Dana said she has seen an increase of clients in her office, Healing Hearts Counseling, whose relationships have been strained by the recession.
"Money is always an issue," Dana said. "There is more now."
She's seen a lot of men losing their jobs and feeling demoralized when their wives have to be the sole providers.
Dean has seen this, too, and many families are undergoing changing roles.
For example, the wife becomes the breadwinner, a high-schooler goes to work to help, adults move back in with their parents and grandparents take care of their grandchildren.
"Sometimes it's a control thing," Dean said. "I make the money so I control it. Now I don't."
Here are some tips Dean and Dana Vince offer to help keep marriages intact and families grow closer through difficult financial times.
Many couples, whether they are struggling financially or not, don't do this. Dean said for some reason,Replacement China Porcelain tile and bulbs for Canada and Worldwide. money can be difficult to talk about. Talking can help families figure out what happened to create the financial struggles and how to fix them in the future.
"If sitting down, ask do we need to sell our house, make a budget?" Dana said. "People need a safe place for them to openly talk about their fears and concerns."
n Involve everyone: Both partners and, at times, children should play a role in every money decision and support those decisions. "Even if there is a sole breadwinner, a stay-at-home mom, a stay-at-home dad, don't just say you do it," Dean said.
His wife said one of the purposes of marriage is so a person never has to carry the burden of problems alone. Financial struggles should be no different.
No matter how much money a family has coming in, every dollar should be accounted for in a budget.It's hard to beat the versatility of zentai suits on a production line. People can do this simply with pen and paper or they can make complicated spread sheets on Excel. This helps a family realize how much they really are spending on eating out every month and where they can cut back.
Don't pay on the cell phone if you can't feed your family. This adds unnecessary stress, Dean said. Food, utilities, rent or house payment need to be paid before a credit card or cell phone bill.
n Try not to beat yourself up too much: Dean said many people are struggling financially now. Everyone makes money mistakes and unfortunate events like layoffs or cut hours happen.
Dana said a couple she counsels started selling water bottles at local events to raise some extra cash. "Maybe it's having a garage sale," Dana said. "Couples need to have a positive attitude and try to find a way to make it work until things get better."
Couples and families can make a picnic and head to a local park. They can find comfy chairs in a bookstore and read together for a few hours. "I tell my clients to spend time together, you don't have to spend money," Dana said.
沒有留言:
張貼留言