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Show 48 Lakeside Review, Wednesday, September 18, 1985 Debt Can Devastate Marriage Tips Given on Proper Care, T reatment of Wedding Dress Ignatz and Fuchia started married life with an abundance of optimism. They immediately began ac. With proper care, your wedding dress should outlast that wedding cake you have in the freezer and the flowers you have pressed between the pages of the dictionary. If fact, a wedding dress could be passed down for several generations with proper care, says Ruth Clayton, assistant professor in Utah State Universitys college of family life. Start preserving your wedding quiring the necessities they thought they deserved. A television, stereo, washing machine and dryer, a bedroom suite and a second car made life easier. Getting credit cards and loans to pay for them took little effort. Unfortunately, within six months Ignatz and Fuchia were arguing daily about their bills. Two months later they couldnt keep up with the bills and the television, bedroom suite and washer and dryer were all repos-sessed. long-standi- Snyder, who has done research on consumer debt, believes people should approach debt as they would any other decision; with an open mind, balancing the costs and the benefits. The economist feels there are times when borrowing can be beneficial. Borrowing for a second car when a spouse gets a job insurance to cover the loan, the budget may not be able to handle the additional payment and it is possible to get so far in debt that you risk insolvency, he says. sion. Additionally,' people. with credit He also says it makes sense to cards or other easy access to debt, borrow rather than using your tend to buy more on impulse and own money if that money earns they may pay more for a product more interest than the cost of than they could get it for cash. Stating there are no hard and borrowing. In times of severe inflation a debt is actually paid fast rules about how much debt is back with cheaper dollars than .too much, Snyder says a is that the amount of debt were originally borrowed. Snyder cautions newlyweds to repayment should not exceed 20 e consider some of the costs of borpay. precent of your He adds that you should never rowing that are in addition to the ' interest rate charged. borrow to meet daily expenses A person may need to buy life such as food and rent. that requires one or to purchase appliances that will reduce the cost of custom services are both examples of times when borrowing can be a good business deci- rule-of-thu- take-hom- of new Specifically, there is usually more financial stress involved in remarriage, she says. There are usually children involved which means there may b.e alimony andor child support obligations resulting from the previous marriage. A new stepfather may be trying to pay child support on top of the possible increased expenses J V. CARPETS DIRTY? "DRY" Carpet Cleaner Nothing else is so uasy, so effective. Has just the right amount of moisture to dissolve and absorb dirt. Quicker, easier, more convenient than wet methods. Furniture does not have to be moved. Carpets may be walked ' on immediately. No other way gets carpets cleaner. Non-toxi- Recommended by leading carpet makers. Get more out of your CUP & SAVE carpets. JUST Rent Host "Dry" BRING IT IN LL Replace the drawer lining about once a year, Clayton says. flra?JLS cause or at least a contributing factor to the end of their first marriage. , Unfortunately, she says, most of the remarried couples she surveyed did not often discuss nances before they remarried. Another result of first marriage financial problems may be that each person in the new marriage may be secretive about financial assets or hesitant to discuss finances altogether. sity. should line a drawer, box or chest with acid-fre- e paper or unbleached white muslin that has been washed several times. Otherwise, acids from the paper or cloth will eventually stain or deteriorate the dress fabric. 'In addition to lining the container, you should put the paper or muslin between all the folds" of the dress. marriage. Lown says financial problems may be carried over from a previous marriage. She says many people indicate that money was the first-tim- IT PACK-N-SH- IP Ex cam ?X Cteanf Carpet Cleaner by UPS & FEDERAL EXPRESS SPEEDI PACK-N-SH- IP riages. How can one avoid making the seemingly inevitable mistake 378 No. Main, Layton twice? 546-0431 WIMMERS 4 IN LAYTON 00 Off 2ND PACKAGE 94 .J N. Fort Lane 546-490- 6 MILLS MAI PACE SETTER there are several inventories on mate similarity She says ences. You can obtain a copy of The Marital Inventory be sending available. One, called The Marital Inventory, uses a computer tabulated questionnaire to assess partners similarities and differ Z5 stages. s , percent will get remarried. The family created by remarriage is quite different from the e married couple, according to Dr. Jean Lown, assistant professor in the college of family life at Utah State Univer- careful about getting remarried, the divorce rate for second marriages is higher than for first mar- indicates-American- or some other fragile material, it is best to store the dress flat rather than hanging. If flat storage is indicated, you Of all those who get divorced, Although following a divorce most people vow to be extremely Divorces involving children are more complex than childless divorces, she says. Most scientific information on mate selection choose someone quite similar to themselves in regards to income, education, age, race and religion. You may want to assess your similarities to your partner on these dimensions as well as similarities in values, goals, personality characteristics and role expectations, Edmundson says. says. She says the next step is to find adequate space to store the dress. If the shoulders are made of lace 75-8- 0 Know Yourself, Needs Before Considering Second Marriage Perhaps the best advice is to know yourself and your needs, according to Dr. Jean E. assistant professor in the college of family life at Utah State University. I like using the PIESS system of needs. This acronym stands for physical, intellectual, emotional, social and spiritual, she says. Edmundson suggests dividing yourself into these five parts and deciding what your needs are in each area. Ask yourself what you are currently doing for yourself to meet these needs and if you can expect a partner to meet them. Another important part of making a better selection the second time is to give yourself time to recover from the divorce," she says. One goes through stages of grieving which may include denial, questioning, bargaining, anger and acceptance. You may need to seek professional counseling to help deal with some of these over (either figuratively or literally). Have it immediately either dry cleaned or hand washed, depending on the fabric, Clayton Financial Stress Usual In Second Marriages , Overpowering debt is not a good addition to a new marriage. Its not a good addition to a marriage, either. Debt can be devastating to individuals or to families but it doesnt have to be. 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