November 2015
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The Right Start to Married Life

Credit is always a temptation; the level of credit card debt in the USA suggests that it has tempted a huge number of people. Some seem able to keep their borrowing under control though statistics show that those who are facing problems owe in excess of $15,000 and do not appear to have a strategy of getting rid of it. It is surely causing stress and sleepless nights? It begs the question about the thought processes people go through in deciding to pay for something that their income cannot justify.

Sensible and Realistic

There are special occasions in life worth celebrating. Few can match getting married; it should be a once in a lifetime experience and it should be memorable. The question must be asked as to whether the cost of a wedding can be justified if it leaves a level of debt that creates lasting problems. The strain that financial problems are likely to put on a marriage can result in the breakdown of the relationship and even greater misery.

If you have wealthy parents then money should not be a problem; you can have the day of your dreams. If somehow you need to fund the day yourselves and look for credit to do it then things can be altogether different. A recent survey suggests that a wedding day can cost on average over $30,000 before the bill for the honeymoon comes in.  It is not a good idea to start our married life with debts based upon the cost of the day. It may be that you feel that with two pay checks coming in you can afford to make repayments over a period of time but that may leave little scope for any change of circumstances. Those circumstances can include an addition to the family whereby one of the pay checks may cease with a baby in the house. Another obvious demand on finance is the deposit on real estate. Does it seem worthwhile to spend on your wedding when it could delay your buying real estate for a year or two?

Divorce has become all too common these days and money problems and the resultant stress are certainly a factor in some cases.

Start as You Mean to Go On

The way to begin a marriage and the way to continue is with finance in order. If you and your partner still have student loans to settle and credit card debt created to help you through college then you should address those issues as a matter of priority and certainly avoid adding to your problems even for something as special as a wedding day.

As you go through married life there will be differing calls on household income. Initially with potentially two pay checks coming in and no other mouths to feed you should be in reasonable financial shape. If you aren’t it is unlikely that things will get better unless you get things in shape as a matter of priority. Certainly credit card debt can be a problem because balances are liable for a high rate of interest at the end of each month. It makes better sense to pay them off with a installment loans no credit check that is obtainable at a far lower rate of interest.


There are plenty of online lenders that look favourably at loan applications from people with sufficient regular income to justify approval because the instalment repayments for the full term of the loan look affordable. Problem solved unless you have not got the self-discipline to avoid building up a balance once again.

Over time you are likely to be looking to build up sufficient of a deposit to buy your own home. If you begin to raise a family household costs can rise at a time when monthly income can fall. These are all circumstances that can be anticipated and consequently planned for address. Whether you decide to write down a budget and check it regularly or whether you know how you stand at any one time, you must start out married life on a solid financial footing and continue in future years in control.

It’s Been a While…

If you follow Crystal Clear Thoughts, you probably have been keeping up with me at Budgeting in the Fun Stuff.  If not, here’s a quick summary of life now. 

I went self-employed in July 2011.
Hubby joined me in January 2012.
We had our dream house built and moved in October 2012.
We paid off our first house . . . → Read More: It’s Been a While…

Deal Stacking for the Home

We all want some things for our home.  We also need to maintain it.  In either situation, the costs can stack up.  So, why not stack up the discounts too?

Groupon Coupons and Gift Cards

If you keep an eye on the Home Depot section of places like Groupon Coupons, you may be able to snag a big . . . → Read More: Deal Stacking for the Home

Switching Bank Accounts

Written by Jon Emge.

Up until recently switching bank accounts was a headache and a hassle.  In fact it was something not many of us even thought of doing, we just stayed with the same bank for years and years, dealing with poor customer service, high lending interest rates, and the closing of our local bank branches.  . . . → Read More: Switching Bank Accounts

How Do You Save Cash Padding?

Being self-employed means that I only feel comfortable if we have 6 months of expenses saved up in easy-to-access savings accounts.  The trick is finding the money to save, right?

Our Finances

In general, we have a pretty large monthly nut compared to what we were used to a few years ago.  Between income taxes, property taxes on . . . → Read More: How Do You Save Cash Padding?

Editions with Terry Bradshaw Presents 5 Ways to Keep Your Family Healthy This Winter

If you have a family with children, you know that if one gets sick, it can mean the whole family is sick within a week.  As such, it is so important that you keep your family healthy this winter.  Editions TV has some great tips on how to keep your family healthy this winter.

Here are five . . . → Read More: Editions with Terry Bradshaw Presents 5 Ways to Keep Your Family Healthy This Winter

Why remote working makes sense for employers and employees

If you’ve ever been allowed to work from home – or you work remotely regularly – then you’ll already know all about the benefits of not a needing to go into the office every day.

All the usual office distractions are removed instantly, which improves productivity, while companies can save money by downsizing the office space they . . . → Read More: Why remote working makes sense for employers and employees

Be the Person Your Dog Thinks You Are

I sat down on the potty and, as usual, my Pug had to paw his way in the door and plop himself directly between my calves like he was standing guard.  I usually shoo him away a little so that I can at least pretend  I have some privacy, but he just looked so proud of . . . → Read More: Be the Person Your Dog Thinks You Are

Love Your Bank Account this Valentine`s Day

The following is a guest post.

Whether you are planning an extravagant Valentine’s Day, or giving that special someone something simple and from the heart, don’t forget to consider something else this February – your bank account.

Although your bank balance isn’t always at the forefront of your mind when it comes to Valentine’s Day treats, paying extra . . . → Read More: Love Your Bank Account this Valentine`s Day

Thinking of a New Credit Card?

The following is a guest post.

If you’re like me, you become pretty disappointed in what your current credit card is offering.  Banks have a secret they don’t tell you, but you could probably guess – they offer their new customers much better deals than their existing customers.  And slowly, over time, as you become an existing . . . → Read More: Thinking of a New Credit Card?