M O N E Y

    Dealing with fiances together when you first get married, can sometimes be difficult. But it does not have to be that way. Just from my personal experiences from talking with friends and others I have found that one of the biggest problems for those who feel financially strapped, didn't know how to free themselves from the debt they had created. I my self am not a professional in finance, but I found the book / pamphlet called "One for the money guide to family finance" to be really helpful! It was written by Elder Marvin J. Ashton.

He said, "As proper money management and living within one’s means are essential in today’s world if we are to live abundantly and happily, may I make some recommendations for improved personal and family financial management. The following twelve points will help each of us achieve this goal, I believe." (To see the 12 different steps he specifically it talking about go to the link.) follow this link. https://www.lds.org/bc/content/shared/content/english/pdf/language-materials/33293_eng.pdf

Under the section he talks about how to get out of the debt you are already in. he says "A debt-elimination calendar can help you reduce or eliminate debt. Mark off several columns on a piece of paper. In the first column on the left, write the names of the months, beginning with the upcoming month. At the top of the next column, write the name of the creditor you want to pay off first. It may be the debt with the highest interest rate, or the earliest pay-off date. List the monthly payment for that creditor until the loan is repaid as shown in the illustration above. At the top of the next column, record the name of the second creditor you want to repay, and list payments due each month. After you have repaid the first creditor, add the amount of that monthly payment to your payment to the second creditor. (In the example above, notice that the family finished making monthly payments on their credit card. They then added $110 to the $70 furniture payment, creating a new monthly payment of $180.) Continue the process until all loans are repaid."

this would look something like this 

Once you are on the path of bettering your family finances, you will begin to feel less stress in the family and your relationship. Work together to make a plan council with one another and come up with a game plan you both feel comfortable and that you both will support. I know that as you work together on such an important area in your life you will be happier in knowing that you both know what is going on, and that not just one of you has to try and figure it all out!