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Show July 24, 2003 1 The EXTRA! Tlmes-lndepende- nt Page 6 How can we keep financial troubles from hurting our marriage? answer by James P. Marshall and Linda Skogrand, Utah State University Extension Family and Human Development Specialists Money is one of the topics couples fight about most. It is also a contributing factor in divorce. Debt brought into marriage is an especially troublesome part of many couples money problems. According to the Center for Marriage and Familys 2000 research, debt brought into marriage is the number one problem for newlyweds. This makes sense since 67 percent of women and 74 percent of men enter marriage with at least some debt. With the exception cards, student loans and medical bills. Consider this information on how debt affects the marriage relationship. It is estimated that American adults spend up percent of their waking hours earning, spending or thinking many to 80 either about money. Debt brought into marriage causes strain on the relationship because it forces couples to spend most of their time and energy focused on money. A couples financial problems levels of 1. marital Communicate - Conflict Resolution Specialists For All Your Home Medical Needs. Michael W. Peck Lift Chairs Commode Chairs Diabetic Monitors Wheel Chairs Walkers Hospital Beds Diabetic Supplies Incontinence Supplies Home Oxygen Full DME Certified Mediator, Negotiator Fax 435-259-83- colorcountryfrontiernet.net "Your COMPLETE SERVICE" Medical & industrial Supplies Riverside Plumbing Canyon Country Memorials r Stone Cleaning The Key To Your New Home c Incomes 13 a Listing memory ofyour bred ones! 259-604- 3 260-178- 5 Less Than Perfect Credit No Money Down Programs package. F.ngraving Create Design your own or pic k from a design Ask for Deb g C Medicare. Medicaid & Insurance Billing. Respiratory Therapist Emergency service: 24 hours a day. 7 days a week We also serve your welding needs. We carry NCG cylinders. 435-259-45- 43 Divorce Child Custody Business Group facilitation Debt Negotiation Memorial I loadstones at Discount Prices fiance or spouse. 3. Establish common goals - Ifyou are in agreement, you will be more willing to work together to meet those goals. What do both of you want to do with your money? How will you get out of debt? 4. Quantify your goals - Write and formalize your goals. Plot out exactly how and when you will pay off your debt. Continued on page 7... GRAND VALLEY OXYGEN, Inc. 446 S. Main, Suite C Moab UT 84532 'g Moab Mediation Ph debts, family financial upbringing and current views on money with your This is the most important thing you can do to minimize financial fights. Share your are linked to increased levels of stress, conflict and marital duress, as well as decreased financial information, including what you make, what youve saved, what you own and what you owe. 2. Dont keep secrets - Its a bad idea to hide your debts. Share your satisfaction. In contrast, one of the unique strengths of the majority of happy couples was that they did not have major debt problems. Indebtedness is a factor in many college graduates decisions to delay marriage andor childbearing since starting a marriage with large amounts of debt may put the marriage in jeopardy from the beginning. Debt can be addressed prior to or after getting married. Either way, it must be addressed. Develop a plan to begin reducing debt now so you dont put your marriage on the line. loans, the debt comes primarily from auto loans, credit of home FHA & VA Authority Call VIC HOEM For a Free 259-450- Toll Free 1 030 S. Bowling Alley ft 366 9 North 500 West 435-259-83- Sales & Service Residential & 0 & Heating Commercial www.fmcloans.com Licensed & Insured Senior Discounts Locally Owned & Operated 30 Years Plumbing Experience Lane, Suite 4, Moab, UT Local Internet Service Flooring BO, Laura AMERICA Iynv Conning the country, one home a time. Enjoy Your Internet Experience $20.00 Per Month ull line ojCarpet No PAINTING CONTRACTOR Moab, Utah 259-314- 260-815-4 Property Management With Unequaled Service and Maintenance Moab Property Management Center Street, Moab, UT 84532 435.259.5955 fax 435.259.6079 50 East www.moabpropertytnanagement.com Set-u- p Fees www.moci.net 1 1030 S. Bowling Alley Lane, Suite 7, Moab, UT ARCHES DENTAL CUNIC. INC. Quality Dentistry An J t Jon G. Fuller, Jr., D.D.S. Paula V. Fuller R.D.H. 570 West 400 North Moab, Utah 84532 for the Entire Family Dental Norman C. Barber, f General 435-259-43- & Address: 380 North 500 West Telephone: (435) 259-405- 9 D.M.D Pediatric Dentistry Moab, Utah 84532 Fax: (435) 259-988- 0 p I |