Are You Ready?

Duane gives me a $50 ring we got at a pawn shop hours earlier.  The only thing he promised me that day is he would never leave me.  I have no idea where that ring is, but I know where my husband is at any give moment!

Duane and I don't pretend to know everything about marriage.  In fact we have both been divorced, this alone tells you we have both failed once at the great institution.  And I am sure there are days we both would appreciate a divorce from the other, but it's temporary.  It doesn't feel like it in the moment; learning from my parents who will celebrate 40 years of marriage June 2 has taught me love conquers all, which is a pretty tough order to fill.  They have also taught us that if love conquers all, money is very helpful in paying for it, but it isn't necessary.  When you are young and in love, it seems like love conquers all--my parents were teenagers when they married.   The money thing came later for them.  In my world, the ring is a monetary symbol of the future, which is usually a much bigger promise they can live up to.  And so it begins.

Since we eloped and didn't have rings, I married him with his grandfather's ring.  The important thing about this is we didn't promise ourselves for money.  The rings were a symbol.  Sometimes in marriage we feel like we need to have things.  But those things can't replace what is in our hearts.  I was in my uniform this day.  Neither of us wears the ring we gave the other that day.  But one thing remains: the promise we made to each other when we vowed forever to each other.  No one in that moment we made our promise said it would be easy.

There are so many things a couple can argue about that relationship doom seems inevitable from the beginning.  No one tells you this at the place where you go to get your rings!  In our buy-now, pay-later society, how is anyone to survive at all?  Why don't they just tell you before you start out life on the wrong foot by financing your diamond and gold rings this is a bad idea?  And our litigious, fault-finding society doesn't help matters either.  The Number One Thing married couples fight about is....take a guess.  Not sex, though that is up there (I will address this in a future blog).  Not communication, though I'm pretty sure we all suck at it (and I'm a professional communicator).  Not children, though lord knows, it's a daily struggle.  It isn't in-laws, or vacations, or putting the toilet seat down.  I'm sure by now you've guessed, it's money.

I took a painting class because I recognize I have a need to do something fun.  My understanding husband doesn't request the same treatment; he always praises my amateur paintings and even though we might be broke, he never mentions it when he talks about how beautiful the painting is.

I won't lie.  When Duane and I talk about money, I feel physically ill.  I want to throw up.  I feel defensive and under attack.  This isn't because he makes me feel this way.  It's just my reaction.  Every time we count down the dollars and look at why we aren't where we need to be, I take on my shoulders what I've spent.  I don't try to defend every time I stopped at Starbucks or took a painting class.  I just feel guilty for not having done more.  And I suspect that's how a lot of us feel and so the conversation ends before it begins.

Duane and I taking our marriage oath April 20, 2009 in front of the Justice of the Peace in Biloxi, MS.  We weren't kidding.

Duane and I have had our share of money arguments and issues dealing with finances.  We are after all homeowners.  That in and of itself can make people want to lose their minds.  We aren't poor, but when we look at our finances at the end of the month we are amazed at how expensive everything is (diapers, food, rent, electricity, water, gas, cars, incidentals, insurance, medical bills, phones, internet, supplies, it goes on and on).  Our number one goal in doing what we are doing and living like we are is to move our financial situation from a reactive one where we are paying bills that come in because we owe money to a proactive one where we know there are things we have to pay and the rest is optional.  Once we made that paradigm shift in our minds, it made all the difference.

We had to decide, as painful as it was, that our expenses were red: we have zero choice in paying them; yellow, we have little choice in moving the date they are paid but they have to be paid; and green for those things we would only pay if we could such as TV, phone, internet, eating out, and impulse purchases or things we wanted but didn't need.  Color coding everything into green, yellow and red was easy; the hard part has been enforcing it.  That is to say, after we made the commitment to even talk about it.  We all have something to gain by leaving things the way they are and I will address this later.  Change is hard.

This is our first house.  We don't live here, but it holds a special place in our hearts as the one that got away. 

I don't expect that we will go over everything that needs to be talked about in relation to finances and relationships.  All I hoped to do with this blog post is acknowledge it exists, it is the single most difficult thing to talk about in a marriage and is also hands down the reason why you might one day be like me, divorced, if you don't talk about it.  I was lucky enough to recognize money was a factor in the death of my first marriage and didn't want that to be a factor in this one.  I will talk in the future about some of the issues we have faced, but for now, know that we aren't immune to the money virus and the damage it does when it hits a couple. 

For now, my only advice is to get the idea in your head to have an honest conversation with your spouse about money.  Don't think too much into it now, just prepare yourself for the talk.  Getting in good financial shape is a lot like getting in good physical shape.  It doesn't happen overnight and there is no quick fix.  I will do my best to detail how we have paid down more than $10,000 in debt in less than a year, but also how we have made our relationship stronger by doing so.  It sounds obvious, but most people don't realize getting debt free will change your life, but for any life-changing revolution, you will have to change your life.  Are you ready?