I get alot of emails every week from women and men who are desperately trying to get debt free, but are having a hard time getting their spouse/partner on board.
I have to say that I was on that particular bandwagon by myself for most of our journey to get debt free. I started our quest about 4 years ago now. As per Dave Ramsey’s plan I listed our debts from lowest to highest and started putting every extra penny that I could get my hands on towards the first bill on the list knocking it out only to move on to the next debt and so on…
Here are some tips from things I learned along the way:
- When you make the decision to get debt free, sit down as a couple and decide why it’s important to get debt free. What will you be able to do when you become debt free? How will it help your family? It may be easier for your spouse to jump on board if he/she feels as though you have a common goal in mind.
- Whether you are using Dave Ramsey’s plan or some other debt relief plan, sit down and map it out together. This is something that I didn’t do and I have to say that it caused conflict in our relationship. I just went about the business of getting debt free using Dave’s method. If you aren’t familiar with his plan you write your debts down from smallest to largest and that is the order of paying them off. I neglected to tell my husband this and when the debts were written down it looked like we were paying off all of “my” debt and not my husband’s debt. I think my husband thought I was planning to pay off my debt and leave him. I couldn’t believe it, but that’s what he said. I finally sat him down and showed him the formula and he jumped on board when he saw it in black and white.
- When you are making your debt repayment budget, be sure to budget in some fun money. It is really hard to get debt free. When you are paying off big debts you can feel like you will never get done. It’s really important to budget in money for the family to do a fun things every now and again. Again, this is something that I didn’t do and believe me it caused conflict. I started getting so enthusiastic about getting out of debt that I forgot fun. My husband was very quick to remind me of this and I had to adjust accordingly. I still have to remind myself to budget for fun.
Are you on the “bandwagon” by yourself or has your spouse jumped on board ? What are some tips that you have for other readers who are having trouble getting their spouse/partner on board? What are some of the things you continue to struggle with ??
Leave a comment below. We can all help each other 🙂