If you fall behind with your mortgage, you risk foreclosure. This is one bill that you cannot afford to miss, so make it a priority. Food and utilities are also a must, so keep up with these expenses and cut back where you can. If you’ve missed one or more credit card payments, the best way to handle this situation is to call each of your creditors individually and request to be placed on a hardship program. In most cases, this means lower payments and interest for a certain amount of time.
If your situation is more permanent than temporary and you aren’t sure when or if your finances will ever be back to the point that they once were at, you need to consider a more permanent solution to your debt. This may involve debt settlement negotiations with each of your creditors who, in some cases, may be willing to settle for 10-20% of the total balance owed. This is only an option in the most severe of circumstances and when payments have been missed for many months. At this point, the creditor may inform you that your credit will be damaged if you settle a debt but, if excessive payments are or continue to be missed, your credit is already damaged. You can handle the debt settlement negotiations yourself or, in some cases, the creditor will contact you directly with a written offer. If you aren’t comfortable with the process, hire an attorney to help.
In some cases, you may find yourself a little short on the mortgage payment. This is especially true if you are trying to settle your debts. If this happens, you can call the lender who issued your loan and discuss possible options that will bring your account up to date. You may be able to refinance your home, which may lower your monthly payments and possibly even your interest. When it comes to debt, there’s no time to waste. Every payment that is missed or late fee that is added will make you feel as though you are sinking into a pool of quicksand.
Under the best of circumstances, a relationship undergoes plenty of everyday stress. When it comes to money matters, the stress can be even greater. When you start to get a handle on your debt and start to live your life again, both you and your partner will be happier and healthier.
The Best Tips for A Happy and Lasting Marriage
Fighting can be damaging. It involves emotions. When emotions get involved, you may say harmful things that you really dont mean to say, and unfortunately whats done can never be taken back.
As much as possible, avoid getting into a heated argument. A fight can easily damage a marital relationship. The fight may start over an unimportant matter and before you both know it, it soon escalates into an exchange of offensive words.
Always remember the Law of Harvest. Dont continue to sow seeds of you always or you never into your relationship so that you will not reap it. Whatever you focus on and hear over and over again becomes a reality.
Avoid using the following words:
You did it again!
When will you learn?
I cant believe this. I married someone whos not capable of doing things right.
This is such a mess!
Don´t pull out the big gun when argument progresses and emotions rise to the surface for the sake of winning. Don´t try to bring in the past. Let bygones be bygones forever. Stay out of it. Leave it where it belongs. Bringing up the past in an argument can add fuel to the fire. Focus only on the present situation no matter how difficult it is.
In a fight no one really wins because both parties lose the game. This affects closeness of the husband and wife. Gaps arise because of the fight. Your spouse will feel awkward when you are around after the fight. Fighting is really immature regardless of how old you are or how long you have been married. It is only natural for children but not for adults.
Treat your spouse the treatment he or she deserves. Be careful with the words that you use.
As much as possible, avoid getting into a heated argument. A fight can easily damage a marital relationship. The fight may start over an unimportant matter and before you both know it, it soon escalates into an exchange of offensive words.
Always remember the Law of Harvest. Dont continue to sow seeds of you always or you never into your relationship so that you will not reap it. Whatever you focus on and hear over and over again becomes a reality.
Avoid using the following words:
You did it again!
When will you learn?
I cant believe this. I married someone whos not capable of doing things right.
This is such a mess!
Don´t pull out the big gun when argument progresses and emotions rise to the surface for the sake of winning. Don´t try to bring in the past. Let bygones be bygones forever. Stay out of it. Leave it where it belongs. Bringing up the past in an argument can add fuel to the fire. Focus only on the present situation no matter how difficult it is.
In a fight no one really wins because both parties lose the game. This affects closeness of the husband and wife. Gaps arise because of the fight. Your spouse will feel awkward when you are around after the fight. Fighting is really immature regardless of how old you are or how long you have been married. It is only natural for children but not for adults.
Treat your spouse the treatment he or she deserves. Be careful with the words that you use.
Keep Your Marriage Like New
Maybe you should go back to the basics of your relationship, and try to gather back all the things that you need for you to keep your marriage as good as when you were proclaimed newlyweds. First is love. It is the most essential part of a relationship. Let this love bind you once again.
Have your full and endless support for each other. Though some differences may arise on some things that needs a decision, it will be very rewarding if you will support whoever is tasked to make that decision. Respect each other's decision. Be there always for him/her, in achievements and in failure. That support, for sure, will be appreciated.
Have proper communication between the two of you. If your husband or wife committed something that annoys you, talk to him/her. Explain what you feel, and let him/her explain also. Discuss everything—problems, rules—and other things that needs to be discussed. Do not let these problems linger and cause more rift between the two of you.
Show your care for your spouse everyday of your life. Happy couples do show how much they care for each other. Take him/her out for a dinner, or you can serve your spouse whenever they feel tired. Small things can produce large results
Relight the torch that has made your relationship burning. Rediscover what you felt for your life when you weren't married yet. Looking at your marriage in a new light can make it feel new once again.
Have your full and endless support for each other. Though some differences may arise on some things that needs a decision, it will be very rewarding if you will support whoever is tasked to make that decision. Respect each other's decision. Be there always for him/her, in achievements and in failure. That support, for sure, will be appreciated.
Have proper communication between the two of you. If your husband or wife committed something that annoys you, talk to him/her. Explain what you feel, and let him/her explain also. Discuss everything—problems, rules—and other things that needs to be discussed. Do not let these problems linger and cause more rift between the two of you.
Show your care for your spouse everyday of your life. Happy couples do show how much they care for each other. Take him/her out for a dinner, or you can serve your spouse whenever they feel tired. Small things can produce large results
Relight the torch that has made your relationship burning. Rediscover what you felt for your life when you weren't married yet. Looking at your marriage in a new light can make it feel new once again.
Not Satisfied With My Marriage
The dissatisfaction may be many areas. It might be the home they are living in. It may be that the husband does not help the wife in household chores. The husband may complain that the wife is not helping him in growth of his career. It may have to do with difference of views about spending and saving. You will hear complain after complain and may wonder how people stay together with so many complaints?
The dissatisfaction may be emotional. She is not bothered when I am feeling unhappy and she will reply that even he does not bother. Getting physical satisfaction is now a distant dream. Going to places to enjoy with each other is long past. It is watching television at home and somehow killing time. Some people even dread holidays, because they may have to stay with wife all the day. There will be doubts about each other’s friendships and a bundle of complaints about how I am suffering but no one is simply concerned.
Why the communication lines have broken down so badly? Why are spouses not satisfied with each other? It is difficult to say. But this problem can be solved with little effort. Let them sit together and write all their complaints on a paper. Exchange the papers and discuss about everything. Decide that from now onwards, I will try and satisfy you in all the possible ways. If you still have to say something to me, tell me after a month. Give me a month’s time. Keep the talks on through out the month and determine that we will bring back cheer in our life again. We will bring happiness back and become a model couple. This decision itself will change a lot immediately.
The dissatisfaction may be emotional. She is not bothered when I am feeling unhappy and she will reply that even he does not bother. Getting physical satisfaction is now a distant dream. Going to places to enjoy with each other is long past. It is watching television at home and somehow killing time. Some people even dread holidays, because they may have to stay with wife all the day. There will be doubts about each other’s friendships and a bundle of complaints about how I am suffering but no one is simply concerned.
Why the communication lines have broken down so badly? Why are spouses not satisfied with each other? It is difficult to say. But this problem can be solved with little effort. Let them sit together and write all their complaints on a paper. Exchange the papers and discuss about everything. Decide that from now onwards, I will try and satisfy you in all the possible ways. If you still have to say something to me, tell me after a month. Give me a month’s time. Keep the talks on through out the month and determine that we will bring back cheer in our life again. We will bring happiness back and become a model couple. This decision itself will change a lot immediately.
Emergency Tips to Save Your Marriage
How To Save Your Marriage 1
You need to get the communication back. Communication is usually one of the first things that dries up in a problematic marriage, and that in itself leads to a lot of other problems. To help you both communicate more effectively set aside a certain amount of time each day to share with each other. During that time, talk over your days and ask questions of each other. Find out what it is that made you want to communicate with each other to begin with. After a few days of doing this you should find your communication skills are beginning to come back for each other.
How To Save Your Marriage 2
Spend some quality time together. It's a little bit of a cliché, but a nice trip or a few days spent outside your usual relationship area can do wonders for you both. Even better, if you can make trips or activities like this a habit, as it will help you learn how to interact with each other in a fun and loving fashion again. These days it's all too easy to let our communications boil down to the bear minimum, so try not to let this happen.
How To Save Your Marriage 3
Brush up on your listening skills. Sometimes when you get to know someone so well, it's almost as if you feel you no longer need to engage them or listen to them in conversation. If you can become a better listener you can prove to your partner that you are engaged in their life and that you respect their opinions. Is there anyone that doesn't want that? Simply by starting and actively participating in conversations with them you will be strengthening your bond, and you'll notice your partner is more interested in you too.
How To Save Your Marriage 4
Don't let the finance ruin the romance. Life can be very tough when money is an issue in a marriage. Financial problems are often ongoing and unlikely to be solved in short order, so it's a great idea to develop a set of rules for you both. If you both abide to a pre-conceived idea about how you will take care of the finances, the problems and arguments should be minimized.
How To Save Your Marriage 5
Make it fun. A marriage should be in place due to the amount of fun you have had with each other at some point. If you've removed the fun and replaced it with the mundanity of everyday life, how can you possibly expect the marriage to survive? It's an excellent idea to have some activities or hobbies to get involved with together-these can very easily become “your” way to spend time and have fun with each other.
As you've seen, the answer to the question “how to save a marriage?” varies widely from relationship to relationship, but hopefully you will find something of use in this article. Check out the links below for some great marriage advice.
You need to get the communication back. Communication is usually one of the first things that dries up in a problematic marriage, and that in itself leads to a lot of other problems. To help you both communicate more effectively set aside a certain amount of time each day to share with each other. During that time, talk over your days and ask questions of each other. Find out what it is that made you want to communicate with each other to begin with. After a few days of doing this you should find your communication skills are beginning to come back for each other.
How To Save Your Marriage 2
Spend some quality time together. It's a little bit of a cliché, but a nice trip or a few days spent outside your usual relationship area can do wonders for you both. Even better, if you can make trips or activities like this a habit, as it will help you learn how to interact with each other in a fun and loving fashion again. These days it's all too easy to let our communications boil down to the bear minimum, so try not to let this happen.
How To Save Your Marriage 3
Brush up on your listening skills. Sometimes when you get to know someone so well, it's almost as if you feel you no longer need to engage them or listen to them in conversation. If you can become a better listener you can prove to your partner that you are engaged in their life and that you respect their opinions. Is there anyone that doesn't want that? Simply by starting and actively participating in conversations with them you will be strengthening your bond, and you'll notice your partner is more interested in you too.
How To Save Your Marriage 4
Don't let the finance ruin the romance. Life can be very tough when money is an issue in a marriage. Financial problems are often ongoing and unlikely to be solved in short order, so it's a great idea to develop a set of rules for you both. If you both abide to a pre-conceived idea about how you will take care of the finances, the problems and arguments should be minimized.
How To Save Your Marriage 5
Make it fun. A marriage should be in place due to the amount of fun you have had with each other at some point. If you've removed the fun and replaced it with the mundanity of everyday life, how can you possibly expect the marriage to survive? It's an excellent idea to have some activities or hobbies to get involved with together-these can very easily become “your” way to spend time and have fun with each other.
As you've seen, the answer to the question “how to save a marriage?” varies widely from relationship to relationship, but hopefully you will find something of use in this article. Check out the links below for some great marriage advice.
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