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Hunt - Debt-Proof Your Marriage

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Hunt Debt-Proof Your Marriage
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While financial disharmony can blow a marriage apart, financial harmony can bind it together. In this highly practical book, Mary Hunt helps couples bring the principles of intimacy-the foundation for harmony and debt-free living-into management of their money. These principles include acceptance, freedom, safety, and honesty in money matters, creating an atmosphere that unifies two lives into one. Debt-Proof Your Marriage is packed with real-life advice that infuses readers with hope and direction. It covers everything couples need for managing their money in harmony, including how to: * reconcile different money behaviors and beliefs * let go of financial fears * understand the basics of practical money management * share financial work between two people * manage roller coaster income * successfully live debt-free Hunts essential guide will help couples protect both their marriage and their money. With the interactive workbook, its ideal for small group study or pre-marital counseling as well.

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Cover
Title Page

Copyright Page 2016 by Mary Hunt Published by Revell a division of Baker - photo 1

Copyright Page

2016 by Mary Hunt

Published by Revell

a division of Baker Publishing Group

P.O. Box 6287, Grand Rapids, MI 49516-6287

www.revellbooks.com

Ebook edition created 2015

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any meansfor example, electronic, photocopy, recordingwithout the prior written permission of the publisher. The only exception is brief quotations in printed reviews.

Library of Congress Cataloging-in-Publication Data is on file at the Library of Congress, Washington, DC.

ISBN 978-1-4934-0329-5

Unless otherwise indicated, Scripture quotations are from the Holy Bible, New International Version. NIV. Copyright 1973, 1978, 1984, 2011 by Biblica, Inc. Used by permission of Zondervan. All rights reserved worldwide. www.zondervan.com

Scripture quotations labeled KJV are from the King James Version of the Bible.

Scripture quotations labeled NCV are from the New Century Version. Copyright 1987, 1988, 1991 by Word Publishing, a division of Thomas Nelson, Inc. Used by permission. All rights reserved.

Scripture quotations labeled NLT are from the Holy Bible , New Living Translation, copyright 1996, 2004, 2007 by Tyndale House Foundation. Used by permission of Tyndale House Publishers, Inc., Carol Stream, Illinois 60188. All rights reserved.

Scripture quotations labeled TLB are from The Living Bible , copyright 1971. Used by permission of Tyndale House Publishers, Inc., Wheaton, Illinois 60189. All rights reserved.

Scripture quotations labeled CEV are from the Contemporary English Version 1991, 1992, 1995 by American Bible Society. Used by permission.

Cheapskate Monthly, Debt-Proof Living, rapid debt-repayment plan, rapid debt-repayment plan calculator, and Tiptionary are registered trademarks owned by Mary Hunt.

Dedication

For Harold, the love of my life and companion
through all the stages of marriage

Contents

Cover

Title Page

Copyright Page

Dedication

Introduction

Part 1: Get Your Relationship Ready for Financial Harmony

1. This Is My Story and Im Sticking to It

A Story of Financial Discord

2. A Stiff Dose of Reality

Money and Marriage

3. Marriage Is like a Dirt Road

Money and the Stages of Marriage

4. The Currency of Life

Why Money Is Hard for Couples

5. News Flash: You Are Different

His Needs Are Not Her Needs

6. For Wives Only

Real Men Dont Ask for Directions

7. For Husbands Only

You Can Have What You Want

8. Getting It Together

Honey, Lets Talk about Our Relationship

9. Debt-Proof Living

An Overview

10. Till Debt Do Us Part

The Trouble with Debt

11. You Are Here

Discovering Your Worth

12. Getting Where You Want to Be

The Basic Elements of Your Financial Plan

13. A Life-Changing Formula

The 80 Percent Solution

14. Knowledge Is a Powerful Thing

The Spending Record

15. You Want Security? Ill Show You Security!

The Contingency Fund

16. You Want Freedom? Ill Show You Freedom!

The Freedom Account

17. You Can Get Out of Debt

The Rapid Debt-Repayment Plan

18. Telling Your Money Where to Go

The Spending Plan

Part 3: Unique Solutions for Common Dilemmas

19. Finding Money You Didnt Know You Had

Forty Ways to Live below Your Means

20. Credit: The Good, the Bad, the Ugly

Credit Cards, Credit Reports, Credit Scores, and Credit Repair

How to Pay Off Your Mortgage Early

22. How to Stay on Track with a Roller-Coaster Income

The Thrill and the Agony of Self-Employment

23. What to Do When Youve Fallen and You Cant Get Up

Credit Counseling and Debt Negotiation

24. A Call to Faithfulness

An Eternal Perspective on Wealth

Epilogue

Acknowledgments

Notes

About the Author

Other Books by Mary Hunt

Back Ads

Back Cover

Introduction

I magine how dull and boring our lives would be without harmony. Quilts would be pieced from the same fabric. The rainbow would be a series of seven red stripes. The a cappella group Take 6 would be reduced to Take 1, and you and your spouse would have exactly the same personality, temperament, and taste. Yawn. Harmony blends colors into the rainbow, creates the visual warmth of a quilt, combines the tones of the scale, and weaves the differences between a husband and wife into a satisfying and intimate relationship.

If you have money issues in your marriagebig troubles, small problems, or something in betweenthis book will help you bring harmony to that most challenging part of your marriage. However, I am not going to force you into a one-size-fits-all budget or even tell you how to spend your money.

What I will do is teach you everything I know about how to get out of debt. Im going to tell you how to step away from the edge of fear and panic, how to live beneath your means, and how to prepare for the future. Youve probably tried several times to manage your money and discovered it is not easy. You may have read books, purchased software, attended seminars, or enrolled in a program at your church or in your community. Your attempts may have worked in the beginning, but then, like you do after a failed diet, you went back to the old ways and experienced the equivalent of gaining back all the weight you lost, plus some.

Information alone cannot change your financial situation. Thats because in a marriage, money is not simply about money. If it were, you could pick up any basic financial information and have no trouble following it. Nonmoney decisions, like what color to paint the bedroom or when to mow the lawn, are what I characterize as surface matters. Easily resolved. But money issues? Whoa, baby! Thats a completely different story because matters of money are deeply emotional and affect us in ways we may not even be aware of. Money-related issues in a marriage are not surface matters.

Before you can develop financial harmony in your marriage, you and your spouse need a deep emotional connection. Length of marriage has absolutely nothing to do with whether you can connect at this level. The best word I know to describe this connection is intimacy , and Im not talking about sex.

The kind of intimacy that is a precondition for the development of financial harmony in your marriage has nothing to do with sex or physical attraction. It has everything to do with respect and trust. It is that safe place where the two of you are free to be who you are without pretending, without being ashamed, and without fear of rejection. Emotional intimacy is the secret ingredient you need to develop financial harmony in your marriage.

Have you ever wondered why two couples can face the same life-challenging situationunemployment, health problems, bankruptcy, or even the loss of a childand one couple comes through the ordeal stronger and more devoted than ever, while the other marriage crumbles under the strain? I believe it has to do with the intimacy I just described. Intimacy is the insurance for all the stages of marriage and the promise of safe passage through the storms of life. Without that deep connection between spouses, just about anything can set them up for discord and financial disaster.

If you are discouraged because youre sure your spouse is not interested in reading this book or even talking about its contents, dont worry. The only person necessary to begin to move your relationship toward a place of intimacy and financial harmony is you. You can begin to make a significant change in your marriage, and if necessary, you can do it single-handedly.

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