Not everyone has a supportive spouse when it comes to budgeting and getting serious about finance. Since starting my journey, I have spoken with a lot of people and the spouse subject seems to keep coming up. The truth is you cannot be on a financial journey alone if you are indeed married. You can’t maximize your potential if only one of you are all in. Since the spouse subject has come up so frequently, I often put myself in their shoes. What would I do if my spouse wasn’t on board. Even though I didn’t have a problem getting my hubby to join me in the journey, my solution would be to do the exact same thing that I did with him.
Find Your Common Goals
The very first thing that you need to do is to identify common goals between you and your spouse. What do you both want? In my case, we have a few goals. They are the following: paying off the house, owning real estate and early retirement for the both of us. Maybe your goals are traveling, volunteering, or owning your own business. After telling my husband that these things were actually possible and within reach, he wanted to know how.
Have A Game Plan
In business, they teach to already have your pitch prepared once you have someone interested in your product or service. You need to close the sale. Have you ever been interested in something and the person who gives you the information was all over the place? They may have not been educated about the product, was nervous, or maybe they didn’t present the product well. When you are presenting, you aim to close the deal. You can’t present and leave them hanging. Another key point is to get them when they are excited! When a person is excited (feeling emotion), they are most ready to buy.
Use the same method with your spouse. Get them excited about your common goals, then present to them the step by step plan. This is where you tell them about budgeting, saving, investing and living simple. Go above and beyond and have it all written out. I even printed finance calculations for him. When I was done, you would have thought I was a lawyer. I sure felt like one.
Track and Share the Progress
Don’t just get them excited in the beginning. Keep them excited. When you both hit your milestones, share and celebrate them. I keep a dry erase board in our bedroom. We are currently paying off the car. I keep a running balance so the hubby (and I) can see the progress. We can see where we started and where we are now and wow, that serves as an impact of motivation for us.
When you decide you are ready to start your financial journey, you may be excited and anxious. Don’t come across this way when presenting to your spouse. Present the goal (or end state) first, then let him/her know how you both can get there. Explain that with both of your efforts combined, your goals will be reached quicker. If you have kids, let your spouse know that the journey is not just about the two of you, but about changing your legacy.
No not bombard your spouse telling him or her what she needs to do before tell them why. Start with the goals or dreams. If you start presenting what they need to do (like stop spending), their defense wall will automatically go up.
Remember everyone is not the same. Some spouses may need more time. If they’re still not interested and could care less, I would seek counseling or a reliable outside source. There may be deeper issues than finance. I wish you all the best of luck in your journey. God blessSell the dream. Provide the plan. Share the progress. Celebrate the milestones. #budgeting #marriage Click To Tweet
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