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You’ve probably heard that finances are a leading cause of relationship problems and it’s no wonder! It’s hard to stay happy together when there’s financial stress.
Inside this episode, we’re talking about the 4 questions your budget needs to be able to answer to ensure your setup for financial and marital success. Regardless of your income level, these 4 steps make the ultimate difference!
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Resources:
Budgeting Simplified – https://aimeecerka.com/budget
Instagram – https://instagram.com/aimeecerka
Work With Aimee – https://workwithaimee.com
Podcast Key Points
0:00 – Intro
2:07 – Is This Right or Wrong?
3:25 – Do You Have A Budget?
4:31 – Sponsorship – Budgeting Simplified
5:34 – Communication Systems – Do You Have Them?
7:47 – What’s Your Commitment To Making This A Priority?
9:17 – Support With Finances And Marriage
10:09 – Business And Mindset Coach Pitfalls
10:50 – Recap
11:28 – Challenge – What Stood Out To You The Most From This Episode
11:54 – Work With Aimee
Frustrated that you aren’t making the progress that you should within your finances? Create an unshakable money mindset with the Money Mindset Mastery Checklist
Strengthening Your Relationship: 4 Questions for Financial and Marital Success
Did you hear a quick search of finances? On answer the public and only an over half the searches had to do with handling finances and marriage and we’re preparing for divorce. I know you’ve probably heard that finances are a leading cause to relationship problems and it’s no wonder it’s hard to say happy together when there’s financial stress.
Inside today’s episode, we’re going to talk about four questions your budget needs to be able to answer to ensure your setup for financial and marital success. Regardless of your income level, these four steps make the ultimate difference.
This is the Your Money Your Life podcast where ambitious women come together have clarity, prosperity and confidence with their money without sacrificing precious time, and well deserved fun. So let’s do this!
Welcome to the Your Money Your Life podcast. I’m your host, Aimee Cerka. After my husband and I faced three major financial roadblocks in the last six years. I felt like I wasn’t doing all that I could and I had let my family down.
It always felt like life was a struggle, like I had to work harder than everyone else. It just came easy to them. And I didn’t feel worthy of success, until a coach helped me see the successes in our experiences instead of our failures.
This allowed me to create and implement systems to grow our net worth by 200,000. Plus, while spending time with my loved ones and on my priorities. Now I help motivated women create the happiness, family life, financial security, and long term wealth they deserve. If you’re ready to eliminate stress, struggle, frustration and guilt within your finances, you’re in the right place. Welcome. I’m so glad you’re here.
Welcome back to another episode of the Your Money Your Life podcast. I’m your host, Aimee Cerka. We talked last week about problems that we see come up and for things that we really needed to stop doing to be able to make finances not a problem in our relationship.
But today, I want to give you four questions that you can utilize to strengthen your relationship. All right, a little bit different here. Um, so let’s just get into it.
Is There a Right and Wrong in Finances?
Okay, first question here. I want to ask or first question to ask you here. Is there a right and wrong? Unless it’s illegal, immoral or ethical? No. Again, we talked about this a little bit last week.
It’s our perception and the way that we brought up. Yes, typically one of us is a spender and one of us is a saver, but we’re bringing those entirely different upbringings together. And, there’s going to be disagreements when you quit trying to prove that the other one is wrong.
We’re able to get worlds ahead. And the way that we do that is when things come up. I need you to stop and ask yourself, is there a right and a wrong? Okay.
Do You Have a Budget?
Second question. Do you have a budget? Really simple question, right? Probably because 44% of people say money is the main source of stress. And they avoid examining the full picture for fear of what they’ll find.
Others also feel that they don’t need a budget because it’s not necessary. You know, they’re able to pay the bills, but the facts and the studies show that Americans overspend and average of $7,500 each and every year by not having a budget. So turning a blind eye just ignoring it isn’t going to make it away. Make it go away.
We’ve talked about before if you were just tracking expenses, that is not a budget if you are paying the bills and like that’s all you can do to get by that’s not a budget either. Okay, so the second question is do you have a budget?
This episode of the Your Money Your Life podcast is brought to you by Budgeting Simplified. Do you struggle with stress and overwhelm with budgeting? Or do you get frustrated that you spend so much time on your budget yet, at the end of the month, you’re not actually getting ahead?
Then Budgeting Simplified might be just for you. Inside of this course, you’ll learn how to budget successfully in a simple manner that sets you up to create prosperity, freedom and security so that you can budget without stress.
And just four weeks to check out Budgeting Simplified and step into unstoppable finances with a budget that works for you, your money, your life, simply text “budget” to 817-969-4653, or visit aimeecerka.com/budget. And of course, if you need that link, again, is hanging out the show notes for you.
Do You Have Regular Communication Systems in Place?
The third question that we have, do you have regular communication systems built into your life? Typically, again, one of us is handling the budget and one of us is not, and we don’t need to feel held hostage by the other. Okay?
If you are the one that is doing the budgeting and doing that work, and your spouse is coming to you and asking you like, “Hey, can we do this?” And you’re having to say no. Like, you can feel the held hostage is one that I’ve been told before a you can feel like the bad guy.
There’s so many different feelings that come up, when you don’t have these communication systems built into play. Because our budget really is almost like a third party. So you’re on the same page with your spouse, and you have to consult the budget, it’s an extra leg, on the stool, I guess.
But if you don’t have the communication systems built in, that you can talk about, like what’s working, what’s not, or you’re not keeping secrets, you can discuss long term goals, etc. Those things have to be built into it, either otherwise, we’re going to have feelings of resentment, or dread will come up because we don’t have those effective ways to communicate.
There’s nothing wrong with one person being more hands on the finances typically works best that way. I’m the one that does that in our household. But we have the communication systems built in so that we can talk about it and discuss things and consult the budget.
It’s not that I’m the one that’s doing this, it’s we looked at the budget in the budget says now right now. This can be regular meetings, like some people like will put a timer on it that schedule it into their weekly calendar type thing.
You don’t have to do that. You can build it into everyday life. They both work as long as you commit to it and you work on this. And you work on communicating really just plain and simple.
Are You Committed to Long-Term Financial Success?
And then the fourth question that we have am I committed? Or are you committed question ask yourself, but are you committed to making this a priority long term? And often, that’s something that we see come up in really all areas of life, like we don’t make this a priority long term.
We can work in spurts, we don’t maintain it. That is why it’s so important to have that support system in place. That means we can call it the instantaneous society that we live in.
There’s so many different factors. This isn’t about like placing blame any new those on any of those. This is about just committing and realizing that we have to work to make things a commitment and to show up consistently with it long term, not just in 30 day sprints. Again, that’s why we don’t do 30 day no-spin challenges here.
To make this a success, I would schedule it, or at least prioritize it. If you have heard my productivity training, like I don’t schedule things like that actually in my calendar, but I scheduled them on the days that we have to take care of those or the week or whatever it might be. But you need to schedule it however you’re gonna schedule it and have support have help.
Support in Variety of Ways
Yes, you can have support in a variety of different ways. Unless you’re seeing someone that is specialized with finances, in regards to mindset, and your personal relationship with money.
We’re not just talking about having a financial advisor or a CPA. Those are great. They’re great people to have on your team. But this is a different type of work that we need to do this.
The financial advisors are excellent at helping you manage the money that you already have like your portfolio and helping you do those things. Somebody that will specialize in finances and work on the minds that in the way that we approach things that makes a big difference. And even if you’re working with somebody, just quick sidebar here, even if you’re working with somebody in regards to mindset, I’ve had mindset coaches that I’ve worked with, that probably thought they could help me handle my finances. And I’m sure they have something that I could have learned.
But I could see their money mindset beliefs showing up in our conversation, because it wasn’t their specialty. So I wouldn’t discount the value of that if you’re working on improving your relationship with your money in your relationship with your spouse in your relationship overall. So there we have it.
Four questions to help you strengthen your relationship. Okay. First one was, is there a right and a wrong? Second one, do you have a budget? The third, do you have regular communication systems built into your life? And the last one was, Are you committed to making this a priority for the long term?
Budgeting Simplified
Now if you’re ready to make the budget a stress free process, make sure to check out Budgeting Simplified again links in the show notes in case you missed it.
Your challenge for today is pretty simple. I want to hear what your insight was from this episode, which part of these four questions or you know the context that was given to these four questions? Which part stood out to you the most? Send a message @aimeecerka on Instagram. I can’t wait to hear from you. And we’ll see you next week. Bye for now.
Thank you so much for listening to the Your Money Your Life podcast. Wondering what’s next? When you’re ready, there are different levels of support that you can use on the path to creating unstoppable finances and your unstoppable life.
After all, your finances are unique and your support should be to. Ultimately we’ll create a customized plan to ditch financial struggle for good that works for you. Your goals, your priorities, your life. Go to workwithaimee.com to get started with one of our most popular programs, or you can book a q&a call with me, and we’ll figure out what your next step should be.
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