Money Matters: Balancing the Budget

Why budget?? I’ve asked myself that question a million times and when you think about it who really likes to budget anyway? When you hear the word budget you probably picture a boring spreadsheet that’s more trouble than it’s worth – it’s detailed oriented, restrictive, and time consuming!

But let’s be realistic; a budget truly helps couples prioritize their spending, set joint financial goals, and reduce marital conflicts. There’s no one size fits all method when it comes to budgeting so it’s important to find a budget approach that works for your family. This week in our Money Matters series Brad and Christy King talk with us about their approach to budgeting and how they make it fit their busy lifestyle.

Brad was working as a pharmacist at Bi-Lo about 17 years ago during Christmas time when he and Christy first crossed paths. Like many workplaces around Christmas time, things can get tight with people being out of town and not working regular hours, especially for those that are stuck working like Brad. Luckily for Brad, when one of his coworkers was out of town not only did they find a great back up pharmacy technician to fill the shifts, he also found his future wife! While working together Brad fell for Christy’s youthful charm as she was smitten by his dry sense of humor that kept her laughing.
Now after being married for nearly 13 years, Brad and Christy are still working together. No, not in the pharmacy where they first met – but as busy parents keeping up with their three children and full time jobs. They’ve learned a lot about each other over the years, especially in the area of finances. For example, they’ve found that Brad is better at seeing the entire picture and does not get as stressed as Christy does when dealing with money. Recognizing qualities like this about each other allows them to play to their strengths when developing and managing a budget. Read on to see how Brad and Christy continue to work together in managing their family’s budget…

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Money Matters: Married and Living the Single (Income) Life

Who will control the finances?  Will we have enough money?  Will I still have a sense of purpose? These are just a few questions a couple might ponder when they take a leap of faith and decide to live on one income.  This week in our Money Matters series, we speak with Thomas and Nina Scott a couple who took that leap of faith and are learning how to navigate being a one income family.

Who doesn’t love getting set up on a blind date?  I would be one of those people that would have to pass and respond with a polite “No thank you” to being set up on a blind date.  But luckily Nina and Thomas don’t share my same perspective.  Ten years ago, Nina’s cousin reached out to her to ask if she knew someone named Thomas Scott because they were both originally from the same city (Columbia, SC).  Nina’s response was ‘no’ and then her cousin proceeded to ask if she was seeing anyone.  Uh-oh, we all know where this is going ,right?  Her cousin then suggested that Nina and Thomas would make a great couple.  And in true blind date fashion, her cousin assured her that he was a really ‘nice guy’.  Uh-oh again.  And then here comes the kicker – her cousin, the match maker, actually is blind and had never seen Thomas herself.  However, Nina decided to make that phone call anyway and sparks soon began to fly.  Talk about a leap of faith!  In the end taking that chance and making that phone call turned out to be well worth the risk.   Fast forward 10 years and Thomas continues to be everything Nina wanted in a husband – he is her exact definition of a man.  He downright loves his family and will stop at nothing to protect and provide for them.  Thomas loves his wife’s outgoing, life of the party energy that balances perfectly with his more reserved personality.

As you can see, taking a chance on situations where you don’t truly know the outcome is nothing new for Thomas and Nina.  Many times when families shift from two incomes to one there can be a lot of uncertainty, risk, and fear that can cause marital stress.  Read on to see how Thomas and Nina made the transition from the dual income no kids lifestyle to a family structure that allows Nina to stay at home with their young kids while living on one income.

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Money Matters: You’ve Got Questions, We’ve Got Answers

“Family finance is a great opportunity to take marriage to a better level”

-Dave Ramsey

As married couples we all have similar issues and concerns as it relates to money and finances.  In this video, we sit down to tackle some questions submitted by couples like you.  Take a look to hear our perspectives and thoughts on some of the most common money questions.  

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Money Matters | His, Hers, or Ours?

Managing money is hard.  Sharing money in a marriage can be even harder.  This week in our Money Matters series Enrico and Christina Chandler share the story of their journey towards taking control of their finances by blending their lives and money together.        

Enrico and Christina first crossed paths as strangers in a class at the University of South Carolina.  They noticed each other but nothing came of it – at least not immediately.  As fate would have it they would cross paths again 5 years later and strike up a conversation.  With a bit of help from a social media connection (Facebook to the rescue!), Enrico reached out to schedule a date….and the rest, as they say, is history.  Now after being married for five years the Chandlers are juggling full time jobs and a growing family, but are still able to hone in on the things that draw them together.  Enrico loves how Christina brings stability and logical thinking into their relationship, which helps him stay grounded.  While Christina loves Enrico’s drive to constantly improve himself as he strives to be the best husband, father, and person that he can be.

With a love story like this – strangers who barely noticed each other in a class only to reconnect years later and form a lasting marital bond – one might expect their finances to magically fall into place also, right? But truly connecting their finances and aligning them to shared goals proved to be a little more challenging than that.  Read on to see how Enrico and Christina faced some tough conversations and tough decisions,  but ultimately persevered to make shared money work for them….

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