what's the best way: differences in financial power - Talk About Marriage
Financial Problems in Marriage When financial times are tough, it adds to the stress we deal with on a daily basis. This section is for talking about how financial problems affect our relationships and ways to cope.

User Tag List

 11Likes
Reply
 
LinkBack Thread Tools Search this Thread
post #1 of 21 (permalink) Old 04-04-2017, 07:33 AM Thread Starter
Registered User
 
Join Date: Apr 2017
Posts: 7
what's the best way: differences in financial power

Dear all,

I am not married yet, but I will be in three months and we live together and prepare for the wedding. Everything is set. For now, our finances are separate. We live in my house with my son and his two dogs. He doesn't have children. He also has a house he keeps and we will move into his house in a few years, after my son graduates high school. His house is mid-way between our jobs, now he has a longer commute. That's just as a little background. Second marriage for both of us.

Now, I make good money, low six figures, but he makes between 3 and 5 times as much as I do, depending on the year (he owns a business). He's a handy person and he's the type of man who always likes to have projects around the house. Well, he moved into my house and he started to have projects. I didn't contradict him, those projects were good ideas and I know it makes him happy to do such things. He built a sunroom and paid for it. Now he proposed to paint the house in the interior, because it hasn't been painted in 12 years. I said OK. It wasn't discussed who pays for it.

I make good money, but I just recently paid off a credit card debt that I was carrying around for about 13 years, and I was trying to build up some savings. I'm happy to be debt free and have excellent credit. Also, I do not make any income in the month of July, and for june and August I only make half of my usual take home pay. So I'm trying to save. Also, my family is coming over from overseas and the custom is that I will have to pay for all of their maintanance here. I want to cover a few things for the wedding also, although he'll pay for most of it, at least I'd like to cover flowers, photography etc. and he can pay for the venue/food. My family come for the wedding but stay a few weeks, which means I'll need to feed them for that long. I also have to pay about 1000 for my son's camp. So there are expenses going ahead and honestly, I only have 12K saved right now in my account to pay for everything. I'll save some more May 1st from my paycheck but after that I won't get a full paycheck until September 1st.

My question is, how should I handle paying for the painting? He will pay for it if I don't offer, but I feel guilty/obligated to pay for it. Normally, I wouldn't have painted this year, I would have waited one or two years to build up some savings after paying down the debt. Should I pay for it and if later I'm left without funds to cover my summer expenses, I can ask him for help? I don't want to go into debt again. I have had to go into debt before in the summers due to home improvements, things breaking down, family visiting, childcare as single mom, plane tickets for son/family etc. I struggled to pay down everything so I can marry debt free. So should I pay the few thousands for painting or let him pay?

Right now, we have separate accounts and I pay everything in my house plus groceries, and he pays when we go out to eat and pays for his house. We discussed finances after marriage and initially he proposed to put all the money together. I asked if it's better to keep some together and some separate so there is no conflict about certain purchases or gifts, and he said no, we won't fight about expenses, let's keep it together. We discussed this twice or three times and he maintained the same idea. I was honestly happy he trusts me that way.

Now, yesterday, I was talking about budgeting and he said yeah, you can put my stuff and your stuff in mint and make a budget. So I asked so aren't we going to pool our finances like we discussed. He backpeddaled. He said that well, maybe we just make a new account jointly and we put 80% of our paycheck and keep 20% in separate accounts. That was my initial proposal that he said neah to, no need for that. But during the conversation he also confused me further with mentioning, or you can ask me for what money you want and I'll transfer it to you (implying separate accounts?). I said I really don't want separate accounts and to have to ask for money, it stresses me out. The 80/20 idea is good. But the fact that he now backpeddaled on his initial idea (not mine) to pool everything in one, makes me even more insecure about what he thinks about me maybe not paying enough for these home improvements or I don't know, maybe I did something to make him think I'm after money. I don't think I did anything, but there is a difference in our incomes and I can't afford certain things at the drop of a hat, I need to plan and save for them, I don't have the cash to drop on stuff immediately.

He also proposed a trip for us in the spring break and I dropped some cash unplanned on plane tickets. I think it's a matter of having different incomes and affording different things. So he says it doesn't matter who pays and he's happy to cover things, but then I feel bad to have him cover things and I feel hurt that he may think me as not paying enough or caring to use his money or something.

I don't even know what I'm saying, I'm just feeling a bit hurt about the backpedaling and confused about how to handle the pay for the painting (offer or not, since I don't really think I can afford to pay, without having to put credit card debt in July), my expenses ahead and communicating to him that it's not that I want his money or don't want to pay for things, I just can't afford things that aren't budgeted ahead.

Thanks a lot for the help!

Colt_blue is offline  
Sponsored Links
Advertisement
 
post #2 of 21 (permalink) Old 04-04-2017, 07:58 AM
Forum Supporter
 
SunCMars's Avatar
 
Join Date: Feb 2016
Location: North Coast Nationalist-burg, U.S.A.
Posts: 2,161
Re: what's the best way: differences in financial power

He loves you a lot. Great! You seem so lucky [so far, so good]------> He sounds pretty good.

That said, he is a businessman. And you aren't married yet.

His income is tied to his business? He likely needs to have some set aside for it. Not all of it is [likely] disposable income.

What are his expenses, his debts, what does he do for a living? Does he tie up money in inventory? Is he saving for the future also?

Is his business cyclical? Is it subject to the general economy? Has he had bad years, financially? Gone bankrupt?

Are you sure he makes that much money. Until you do taxes together you really do not know. Is he secretive about his finances?

What happened to his first marriage?

These questions may not be an issue at all, but pay attention.

I am sure he has butterflys concerning the future, also. This is a big undertaking for him.

He is banking on you as much as you are on him. He is betting the bank on you. Are you a reliable person? Can you be trusted? Does he have doubts about you?

What is your past? Does your past give him "any" pause for a good future with you?

This....This is the nub of the stick that pokes me in the eye when the light of day energizes my optic nerve....SunCMars.... The Allegory of the Cave--> On this, I did a '180' and stepped out.

The Lion in Winter. Invictus..By Will, Shall... Saved from harm by my friends.
SunCMars is online now  
post #3 of 21 (permalink) Old 04-04-2017, 08:03 AM
Member
 
Join Date: Jun 2016
Posts: 1,501
Re: what's the best way: differences in financial power

Quote:
Originally Posted by Colt_blue View Post
Dear all,

I am not married yet, but I will be in three months and we live together and prepare for the wedding. Everything is set. For now, our finances are separate. We live in my house with my son and his two dogs. He doesn't have children. He also has a house he keeps and we will move into his house in a few years, after my son graduates high school. His house is mid-way between our jobs, now he has a longer commute. That's just as a little background. Second marriage for both of us.

Now, I make good money, low six figures, but he makes between 3 and 5 times as much as I do, depending on the year (he owns a business). He's a handy person and he's the type of man who always likes to have projects around the house. Well, he moved into my house and he started to have projects. I didn't contradict him, those projects were good ideas and I know it makes him happy to do such things. He built a sunroom and paid for it. Now he proposed to paint the house in the interior, because it hasn't been painted in 12 years. I said OK. It wasn't discussed who pays for it.

I make good money, but I just recently paid off a credit card debt that I was carrying around for about 13 years, and I was trying to build up some savings. I'm happy to be debt free and have excellent credit. Also, I do not make any income in the month of July, and for june and August I only make half of my usual take home pay. So I'm trying to save. Also, my family is coming over from overseas and the custom is that I will have to pay for all of their maintanance here. I want to cover a few things for the wedding also, although he'll pay for most of it, at least I'd like to cover flowers, photography etc. and he can pay for the venue/food. My family come for the wedding but stay a few weeks, which means I'll need to feed them for that long. I also have to pay about 1000 for my son's camp. So there are expenses going ahead and honestly, I only have 12K saved right now in my account to pay for everything. I'll save some more May 1st from my paycheck but after that I won't get a full paycheck until September 1st.

My question is, how should I handle paying for the painting? He will pay for it if I don't offer, but I feel guilty/obligated to pay for it. Normally, I wouldn't have painted this year, I would have waited one or two years to build up some savings after paying down the debt. Should I pay for it and if later I'm left without funds to cover my summer expenses, I can ask him for help? I don't want to go into debt again. I have had to go into debt before in the summers due to home improvements, things breaking down, family visiting, childcare as single mom, plane tickets for son/family etc. I struggled to pay down everything so I can marry debt free. So should I pay the few thousands for painting or let him pay?

Right now, we have separate accounts and I pay everything in my house plus groceries, and he pays when we go out to eat and pays for his house. We discussed finances after marriage and initially he proposed to put all the money together. I asked if it's better to keep some together and some separate so there is no conflict about certain purchases or gifts, and he said no, we won't fight about expenses, let's keep it together. We discussed this twice or three times and he maintained the same idea. I was honestly happy he trusts me that way.

Now, yesterday, I was talking about budgeting and he said yeah, you can put my stuff and your stuff in mint and make a budget. So I asked so aren't we going to pool our finances like we discussed. He backpeddaled. He said that well, maybe we just make a new account jointly and we put 80% of our paycheck and keep 20% in separate accounts. That was my initial proposal that he said neah to, no need for that. But during the conversation he also confused me further with mentioning, or you can ask me for what money you want and I'll transfer it to you (implying separate accounts?). I said I really don't want separate accounts and to have to ask for money, it stresses me out. The 80/20 idea is good. But the fact that he now backpeddaled on his initial idea (not mine) to pool everything in one, makes me even more insecure about what he thinks about me maybe not paying enough for these home improvements or I don't know, maybe I did something to make him think I'm after money. I don't think I did anything, but there is a difference in our incomes and I can't afford certain things at the drop of a hat, I need to plan and save for them, I don't have the cash to drop on stuff immediately.

He also proposed a trip for us in the spring break and I dropped some cash unplanned on plane tickets. I think it's a matter of having different incomes and affording different things. So he says it doesn't matter who pays and he's happy to cover things, but then I feel bad to have him cover things and I feel hurt that he may think me as not paying enough or caring to use his money or something.

I don't even know what I'm saying, I'm just feeling a bit hurt about the backpedaling and confused about how to handle the pay for the painting (offer or not, since I don't really think I can afford to pay, without having to put credit card debt in July), my expenses ahead and communicating to him that it's not that I want his money or don't want to pay for things, I just can't afford things that aren't budgeted ahead.

Thanks a lot for the help!
I know how he feels.In my relationship I earn many multiples of what my gf earned when she worked.She has just had a baby So isn't working right now.I Always try to pay for everything but every so often I get the feeling I'm not taking her feelings into account and I let her pay for something or other but then I feel terrible because she doesn't have much money.You need to get things out in the open so arrange a time when you both can have a chat about finances.To be honest I think he is just trying not to hurt your feelings and will be happy whatever you decide.
Andy1001 is offline  
 
post #4 of 21 (permalink) Old 04-04-2017, 08:06 AM
Member
 
Married but Happy's Avatar
 
Join Date: Aug 2013
Location: Florida
Posts: 4,454
Re: what's the best way: differences in financial power

Well, open communication is a requirement for a healthy relationship and marriage. Discuss the issues with him, and also discuss how you will handle finances once you're married. He knows - or should learn - that you are low on liquid funds and will be for a while. Acknowledge his generous offer to paint the house, and tell him that you wish you could pay for it, but can't. If that changes his decision, then that's okay, but the main thing is establishing - and then maintaining - clear communication.

Ideally, marriage is a merger, not an acquisition! The 80/20 plan sounds good for now, too. But, you may also want to think about a prenup if either or both of you own your own businesses - they (and existing assets) should be exempt from consideration if you ever do split up. Eventually, you may decide to merge things further if things continue to look good for the relationship based on experience.

Love is an ideal thing; marriage is a real thing; a confusion of the real with the ideal never goes unpunished. - Johann Wolfgang von Goethe

CELIBACY IS NOT HEREDITARY.

Last edited by Married but Happy; 04-04-2017 at 08:11 AM.
Married but Happy is online now  
post #5 of 21 (permalink) Old 04-04-2017, 08:07 AM Thread Starter
Registered User
 
Join Date: Apr 2017
Posts: 7
Re: what's the best way: differences in financial power

Quote:
Originally Posted by SunCMars View Post
He loves you a lot. Great! You seem so lucky [so far, so good]------> He sounds pretty good.

That said, he is a businessman. And you aren't married yet.

His income is tied to his business? He likely needs to have some set aside for it. Not all of it is [likely] disposable income.

What are his expenses, his debts, what does he do for a living? Does he tie up money in inventory? Is he saving for the future also?

Is his business cyclical? Is it subject to the general economy? Has he had bad years, financially? Gone bankrupt?

Are you sure he makes that much money. Until you do taxes together you really do not know. Is he secretive about his finances?

What happened to his first marriage?

These questions may not be an issue at all, but pay attention.

I am sure he has butterflys concerning the future, also. This is a big undertaking for him.

He is banking on you as much as you are on him. He is betting the bank on you. Are you a reliable person? Can you be trusted? Does he have doubts about you?

What is your past? Does your past give him "any" pause for a good future with you?
His business is in the health sector and is doing well, although he's not exactly a millionaire or anything. Mid, sometimes higher six figures. Some of the income is in the businness but i"m not understanding things very well. I don't think he has reason to doubt me based on my past. I was married before, I was the breadwinner in my first marriage, my ex walked on his family because he felt he needed to make it on his own and felt insecure about my better career success. He also chose to cheat to help with his self-esteem. I waived child support in the divorce. Instead, I told my ex to support his son as much as he can when he can. He started to, a few years after the divorce, at about half of what court mandated child support would have been. He never visits, lives away. We are good, we didn't even have lawyers for our divorce, we agreed on everything.

My fiancee's first wife never worked, although they didn't have kids together and took him to the cleaners in the divorce. He lost a lot, he's still paying her about 5000/month because she was entitled to half of his business. I offered about 5 times to sign a prenup and he doesn't want it. Marriage ended because they grew apart he said. She was depressed, lay in bed all day and they ended up with separate bedrooms and not speaking. I think the fact that she had no ambitions of her own and he advanced in his career while she was laying around and they didn't even have kids to tie them to a common goal just made them drift apart. He lost 60% of his retirement to her. Now he puts a lot in his retirement account.

My question is about the painting. Should I offer to pay for it? Also, why would he backpeddal on the pooling of the paychecks? But you can't help me as to why. Maybe you can tell me if I should offer to pay for the painting, a couple of thousands or so it'll be (he hired someone), given I can't really afford it, or just let him pay. Wouldn't let him pay make him think I"m not pulling my weight?
Colt_blue is offline  
post #6 of 21 (permalink) Old 04-04-2017, 08:14 AM Thread Starter
Registered User
 
Join Date: Apr 2017
Posts: 7
Red face Re: what's the best way: differences in financial power

Quote:
Originally Posted by Married but Happy View Post
Well, open communication is a requirement for a healthy relationship and marriage. Discuss the issues with him, and also discuss how you will handle finances once you're married. He knows - or should learn - that you are low on liquid funds and will be for a while. Acknowledge his generous offer to paint the house, and tell him that you wish you could pay for it, but can't. If that changes his decision, then that's okay, but the main thing is establishing - and then maintaining - clear communication.

Ideally, marriage is a merger, not an acquisition! The 80/20 plan sounds good for now, too. But, you may also want to think about a prenup if either or both of you own your own businesses - they (and existing assets) should be exempt from consideration if you ever do split up. Eventually, you may decide to merge things further if things continue to look good for the relationship based on experience.
We did discuss things many times and I brought up a prenup 5 times. He has assets to protect, more than me. I think I'll just tell him how I feel about the painting, I can either pay now and go to him for help if that means that in July I'll be strapped for cash, or he can pay now. And see what he says.
Colt_blue is offline  
post #7 of 21 (permalink) Old 04-04-2017, 09:57 AM
Member
 
Join Date: Jun 2016
Posts: 2,345
Re: what's the best way: differences in financial power

There are lots of possible arrangements, but the one I like best:

Each of you can set aside some part of your current assets to keep separate in the case of divorce.

Then combine the remaining assets and all of your incomes. Set aside a "fun" budget that is the same for both of you. Each gets to buy anything they want out of that. Expenses that benefit both of you come from the combined money.

This is what my wife and I have done and it has worked very well for 30 years as first her income was much higher (I was in school), then mine became much higher, then she inherited a lot of money. There was never a feeling of things being unfair because we put in equal effort on our jobs even though the pay was sometimes quite different.
uhtred is online now  
post #8 of 21 (permalink) Old 04-04-2017, 09:57 AM
Forum Supporter
 
SunCMars's Avatar
 
Join Date: Feb 2016
Location: North Coast Nationalist-burg, U.S.A.
Posts: 2,161
Re: what's the best way: differences in financial power

He wants it painted, right? He asked for this.

He asked, Therefore, he pays. Maybe, he wants the house to look good for the wedding.

You said that after you marry, you will move in with him at his house. In a few years.

When you move to his house, you will sell yours, I presume? The paint will help the resale value. It is not money wasted.

Let him pay. Tell him about the resale value. Tell him that you cannot afford to pay for it.

Does he presently rent out his place? He can afford to pay for it. Just thank him a few times. That is enough. Let him know that you appreciate his support.

I think he knows this. You may be too proud. This man is going to be your husband. Let him play the role. It will make him feel good.

This....This is the nub of the stick that pokes me in the eye when the light of day energizes my optic nerve....SunCMars.... The Allegory of the Cave--> On this, I did a '180' and stepped out.

The Lion in Winter. Invictus..By Will, Shall... Saved from harm by my friends.
SunCMars is online now  
post #9 of 21 (permalink) Old 04-04-2017, 11:20 AM
Member
 
jb02157's Avatar
 
Join Date: Apr 2014
Posts: 2,188
Re: what's the best way: differences in financial power

A word of caution here. My marriage plans started much the same are you say, everything was going good and then she started to back peddle from some of the things she said she would do in the beginning and then after we got married she hit me with some major back peddling on major items we agreed to. It seems he may do the same.

I'm also not convinced he says he has as much money as he says he has. He was hit with a major divorce settlement. Many times the courts give the wife 60 to 70% of everything especially when the wife makes no money on her own, which is the case here. Even if he makes 300K he'll only keep perhaps only 90K, so you may be contributing more than him. Maybe he doesn't want you to know that until it's too late. I also think that's the reason for the back peddling and not using a shared pool for everything, he can use the 20% as part of what he has to give her. Maybe he thinks you'll freak out once you know how much he has to pay.

"I've paid double for every transgression I've ever made and that motel and that boat are little to ask for"
jb02157 is offline  
post #10 of 21 (permalink) Old 04-04-2017, 11:28 AM
Member
 
stixx's Avatar
 
Join Date: Mar 2017
Posts: 261
Re: what's the best way: differences in financial power

Let's see

Second marriage for both, with prior children from your first marriage--> only 1 out of 3 marriages survive with this situation.

Add to it that he's already backpeddling on the financial agreement.

Add to that that you can't even TALK to him about something as simple as finances.

Odds of this one going the distance are about 10/1. Against.

stixx is offline  
post #11 of 21 (permalink) Old 04-04-2017, 02:21 PM Thread Starter
Registered User
 
Join Date: Apr 2017
Posts: 7
Dear all thank you very much for all the insightful replies. Really helpful.

Special thanks to SunCMars , you nailed it, it's my pride here. I don't want not to pull my weight or for him to think I'm not. It's hard for me to receive since all my life I was on my own, even in my first relationship, lasting a total of 19 years, I felt I was completely in my own. He doesn't rent his home now. He doesn't have a mortgage though and we use it occasionally, especially summers but also go there sometimes during the year . We have projects going on there too. And yes he wants things to look good at the wedding when people will visit both places . And yes I will sell my house . After my son graduates college , in 7 years. We live in a college town and son will stay in it during his studies . Saves other living arrangements and he can get a roommate to get some rent .

Jb thanks you made me think. In fact I'm glad you pointed out how your wife back pedaled . It made me remember history and yeah my fiancée back pedals more often than he should . He is a wonderful man and very loving and supportive and often he enthusiastically says something because he wants to be liked or is excited about something and later sometimes realizes it's not so practical. I think that's what happened here. Not that he thinks I'm not pulling my weight like I worried.

The 80/20 idea is something I like and I proposed it first. I didn't propose the percentages I just said we should do a three account model to minimize conflict. It's better because of my son. Maybe I want to give him more money to spend when he's in college etc and not having to get approval would help harmony. They like and care about each other but anyway I'm a mom and surely want to coddle more.

A note on communication. Of course I can talk to him and I will . But I want to clarify my thoughts first instead of being reactive . I initiate most talks about serious issues which is pretty standard as far as female/male behaviors but we always discussed things. We've been together 3 years .

Statistics are more complicated and you have to take into account demographics too so I'm optimistic about your chances , last poster. I love him a lot and we are pretty wise . They're is just one kid and we have postgraduate degrees. Divorce statistics are lower for us than average but we are not statistics anyway. Son and Th like each other
Colt_blue is offline  
post #12 of 21 (permalink) Old 04-06-2017, 10:23 AM
Member
 
She'sStillGotIt's Avatar
 
Join Date: Jul 2016
Location: Back east
Posts: 567
Re: what's the best way: differences in financial power

Quote:
Originally Posted by Colt_blue View Post
Right now, we have separate accounts and I pay everything in my house plus groceries, and he pays when we go out to eat and pays for his house.
Do you chew his damned food for him too?

You BOTH have mortgage payments so you both should make them.

Any OTHER current household expenses - food, electric, cable, hot water - should be HIS equal responsibility. Why the hell are you supporting someone who makes 5 times your salary? He's a complete ass for taking advantage of it, too.

So big deal, he springs for an occasional dinner out? Big whoop.

Let HIM pay for the paint. He's been getting a damned bargain at your place.
She'sStillGotIt is offline  
post #13 of 21 (permalink) Old 04-06-2017, 11:27 AM
Member
 
Join Date: May 2015
Posts: 759
Re: what's the best way: differences in financial power

There's no right or wrong way to do finances. If you are feeling insecure about the painting, then just talk with him about and it share that feeling to see what his thoughts are. Based on the differences in salaries, any combination that you two do will benefit you significantly. I wouldn't worry about the backpedaling since you didn't yet reach a solid agreement. It just means that there is more discussion to be completed before you two decide what you want to do.

My personal thought on how to do finances is combine the money, pay all the bills, and then split the leftovers into individual accounts. However, that would work best if there was more parity in your incomes. Since there isn't maybe you can split the leftovers proportionately.
Bananapeel is online now  
post #14 of 21 (permalink) Old 04-06-2017, 11:41 AM
Forum Supporter
 
Join Date: Feb 2017
Posts: 518
Re: what's the best way: differences in financial power

Quote:
Originally Posted by She'sStillGotIt View Post
Do you chew his damned food for him too?

You BOTH have mortgage payments so you both should make them.

Any OTHER current household expenses - food, electric, cable, hot water - should be HIS equal responsibility. Why the hell are you supporting someone who makes 5 times your salary? He's a complete ass for taking advantage of it, too.

So big deal, he springs for an occasional dinner out? Big whoop.

Let HIM pay for the paint. He's been getting a damned bargain at your place.


You can't afford it right now. That's nothing to be ashamed of- you have a child you're fully supporting. IMO, you let men take advantage of you. Your first husband does nothing to help with your shared child. This one is living in your home and is already back peddling on what is VERY normal to expect in marriage- shared finances.

Please set a higher bar for this marriage. Don't even think about taking on more debt to appease your fiancé. In fact, I'd let him pay for the entire wedding. He makes more $$ than you and you have a dependent child to support. Your child's security (and yours) come first.
Jessica38 is online now  
post #15 of 21 (permalink) Old 04-09-2017, 02:49 AM
Moderator
 
EleGirl's Avatar
 
Join Date: Dec 2011
Location: New Mexico
Posts: 32,223
Re: what's the best way: differences in financial power

Have the two of you let each other look at your accounts, assets, liabilities and credit reports?

There might be a good reason that he does not want a prenup.. he might not have the assets/money is claims to have. I've seen this happen before.

I would never marry anyone again without both of us making full financial disclosure. Once you are married, regardless of how you two structure your finances between the two of you there things that supersede your own agreements...... laws. For example in a lot of states, once married both spouses are responsible for any debt one of them makes. That is even if the debt is only in one person's name.

About the painting of the room/house. I'd tell him that since he is not paying for normal expenses while living at the house, he can paint if he wants to buy the paint. And I'd make sure that he knows that you cannot afford to contribute to the paint.

Why are you allowing him to live with you while you pay all the bills? This makes no sense. Have you two talked about this? When is he going to start supporting himself and not letting you, who earns much less than he, support him?
EleGirl is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on Talk About Marriage, you must first register. Please enter your desired user name, your email address and other required details in the form below.

Important! Your username will be visible to the public next to anything you post and could show up in search engines like Google. If you are concerned about anonymity, PLEASE choose a username that will not be recognizable to anyone you know.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in









Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools Search this Thread
Show Printable Version Show Printable Version
Email this Page Email this Page
Search this Thread:

Advanced Search



Similar Threads
Thread Thread Starter Forum Replies Last Post
"What is 'your' definition of Debt-free? This is our situation, a financial question. jasmine31 Financial Problems in Marriage 39 03-21-2017 02:20 PM
Men: Financial Limitations During New Single Life moco82 Life After Divorce 120 11-01-2016 09:09 AM
College Financial Aid PhillyGuy13 The Social Spot 12 10-04-2016 12:40 PM
Financial separation...chosen in therapy? DustyDog Financial Problems in Marriage 0 07-30-2016 03:45 PM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off

 
For the best viewing experience please update your browser to Google Chrome