Thursday, February 11, 2010

Mayor being persecuted by politicians - INQUIRER.net, Philippine News for Filipinos

Mayor being persecuted by politicians - INQUIRER.net, Philippine News for Filipinos


     I would just like to share one of the columns from inquirer writen by Neal Cruz.   Please read the part where Mayor Pedro Cuerpo is being harrassed by Gov. Casimiro A Ynarez.  I hope this article would help open the eyes of the people of Rizal as to the kind of governance they are in, now that election is near.  They might want to vote wisely.


Enjoy reading!

Friday, February 5, 2010

How NOT to Fight Over MONEY with Your Honey


Money, money, money. 

More than 70% of couples talk to their partners about money at least once a week.



Let's all face it, almost all materially tangible things are for sale.  Even the 5 basic necessities are all bought with money.   They say money makes the world go round. 

When I was still single,  I hold my own money.  I am in charge of all the things that I wanted to buy for myself.  When I want to buy a new pair of shoes, a new designer clothes, a new ipod or dine in a good restaurant, I just get from my savings and voila!!  I have them all in my hands.  I didn't mind what my mother would tell me about spending.  I buy what I want no matter what.  My philosophy is  that I work hard just to buy the things I want and need.

Now that I am married, and of course all spendings are a conjugal thing.  Saving and spending is something that we both need to talk about, we agreed of having a joint account.   But of course having a joint account, we need to discuss the transactions that goes in and out of that account.  How much we deposited and how much we withdrew from it.  Sometimes we have had discussions where we spent the money in our joint account.  He would sometimes say things or ask questions that hurt me.  So here are some tips on how to avoid such arguments.

Communicate

In a relationship, always talk things over.  If you have a joint account and would like to buy something for yourself, then talk to your partners and tell them that you wanted to buy something for yourself.  Or sweet talk your partners in getting what you want.  At least he will give it to you freely.  Nothing is impossible if you talk about the things that needed resolution. Always talk to each other with respect.  Don't use money to manipulate and control your partner, and never use earning power as a weapon in an argument.

Control

Girls, I know we have our own itch in buying things even if it's really not essential.  If you are in a relationship and you have a joint account.  Then you should know your buying priorities.  If you have kids, would you buy the things for yourself first or your children?  Always look at your budget since it's not just you money that you are spending but his as well.  If what you wanted to buy is not within the priority list and not in the budget list,  then it should be the last thing you'll have to buy.

Never keep secrets!!

This is not just money or issues of finances, but a trust issue as well.  One of the worst cycles to get into is keeping secrets about your spending habits from your spouse. If you are hiding something, then you must feel guilty about the purchase or expenditure for some reason. Perhaps you know that it was an irresponsible decision, and you know that if your spouse was aware of it, there would be a major argument.  It is a bad pattern to get into, and when you are caught, your partner will be very hurt by the fact that you didn’t trust them enough to keep them informed.  If you found out that your spouse over spent your money  you have the right to express your discontent, but you should also be willing to let it go, so that your partner isn’t afraid to be truthful in the future.

Have a separate account for yourself

Girls should have at least a separate account for herself.  So when you wanted to buy that chic shoes or that designer clothes, at least you have your own money to spend and not from the money that is really intended to be spent for the family.


One of the best ways to avoid fighting over finances is to be organized. Track your expenses, and decide who is going to be paying what bills and when.  However, money and finances may be an issue, but it's just money.  Do you want marital bliss or do you want the financial blues in your relationship?  The best way to avoid singing the financial blues is to discuss issues of finance openly.  It's a way of saying to each other "It's a demonstration of how we value each other and how we respect each other."