I was one of the fortunate few who learned how to manage money at an early age. However, I soon discovered that most people have more of a struggle with money than I did. I learned this first-hand when I got married. My husband and I didn’t talk about money before our wedding. But I knew he had debt. I just didn’t know why.
We were in this marriage thing together, right? So I did what any good wife would do, and I paid off his debt with my plentiful savings. But within a month, he had already started accumulating new debt.
That’s when I learned that the issue was behavioral and knowledge based. I also learned that people had different styles when it came to money. Some people are spenders and some people are savers. And most marriages contain one of each, including ours. I learned that disagreements about money are a major contributor to divorce. But I believed that it didn’t have to be that way in our marriage.
Fortunately, my husband it a good man, and he was receptive to learning how to get his money under control. But I had things to learn too. Spenders need to save within workable parameters. But savers need to recognize that they’re not more “right” than the spenders. They’re just different. I can assure you that I would have had a much more boring life if it wasn’t for my spender husband. My husband and I learned to strike a balance. The result? We have been debt free for years. We keep our eyes on our money, but we also have a lot of fun. And we do it together.
I have spent decades building and refining financial techniques that work both for couples and for individuals. Now I can share those techniques with you too. And as someone who practices the KISS principle (Keep It Simple Sweetheart), my techniques are streamlined and can work for anyone. That being said, I always tailor things to your needs.
Financial coaching is truly a passion of mine. I love seeing people’s transformation from someone with little confidence about handling their money to someone who has changed their life. Their whole demeanor is different. I want this for you too. And I know you can do it!
- Joan Mistrough