I am a woman who makes more than my husband. Our situation is growing less unique by the day. The percentage of husband breadwinners has been declining for the last 50 years. In 1972, almost half of all heterosexual marriages had the husband serving as the primary or sole breadwinner, according to the Pew Research Center. Today, that figure is down to 23%.
Like many couples, my husband and I both share a desire to own a home. When we discuss the financial challenges we will have to overcome in order to buy a place of our own, our conversations always come down to two main goals: saving for a deposit and paying our future mortgage.
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There are a lot of little things we pay for that contribute to our basic cost of living: rent, utilities, groceries and dining out are big ones for us. We also would love to one day adopt a dog, which would mean additional costs, like pet food, grooming, vet bills, and emergencies, among other things.
Personal spending is the way we use our money to treat ourselves. For me, that means occasionally ordering sushi at work, or splurging on new books and clothes. For my husband, that means rare Blu-rays of vintage horror movies.
My husband and I had a conversation about money when we decided to move in together, and again four years later when we got married. Both times, we decided to keep our finances separate. He has his checking account and I have mine.
The Student Money Management Center (SMMC) provides free programs and services to help you make informed financial decisions. You can schedule a confidential peer-to-peer coaching session with a Maroon Money Mentor who will work with you on a specific need and create an action plan for your financial goals. We also present workshops that cover a variety of financial issues affecting college students, and we provide access to other educational resources that matter to you. Come learn money management skills you can use now and in the future!
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This ingrained system of putting barriers in front of women to limit their capabilties is the focus of my new book, "Rethink: Smashing The Myths of Women in Business," which tells the stories of 11 very accomplished women who achieved great things in spite of the obstacles put in their paths, most often by male-controlled hierarchies. Get your copy here.
Another odd fact from the 1970s: Even though 43% of the labor force was made up of women, it took an act of Congress to pass the Equal Credit Opportunity Act that finally allowed women to get loans, credit cards and even home mortgages without a man co-signing on their loan. The result? By 1980, single women were buying one-third of all condominiums and one-tenth of all homes in this country. But why, one has to ask, were men so hell-bent on controlling women by controlling their money?
To find an answer, Tahira Hira, Iowa State University professor of consumer economics, and Czilia Loibl, an assistant professor at the Department of Consumer Sciences at Ohio State University, studied 911 randomly selected US households with annual household incomes of $75,000 or higher. Their report, "Gender Differences in Investment Behavior," published in 2006, suggested that there were differences, albeit small, between men and women when it comes to money but those differences seemed to mainly reflect their different roles in the labor market, their salaries and what they did in their homes.
More significantly, the researchers found that men and women saved and invested every month at almost the same levels but there was a different level in confidence surrounding the handling of money, with only about 50% of the women describing themselves as confident or knowledgeable about investing. However, once educated about finances, women do as well as or even better than men. So why the illusion that women could not manage their money and had to have men control it for them? (Check out my recent podcast interview on this very topic with Lisa Linfield here.)
What this means is that women will not truly break free of the outdated, punitive myths of the past until they themselves refuse to believe them. It is time to smash those myths and leap over those barriers! Let's do it together. We must.
That said, there are exceptions to every generality and stereotype. I am declaring here and now that I am making both generalities and stereotypes but I assert that they are true the majority of the time. Simple truths about men and women include that most men are taller than women, most women live longer than men, most men have more hair on their bodies, most women have menstrual cycles, men gain weight in the belly predominantly, while women gain weight in their rear-ends and thighs, predominantly. Am I right, or what?
But, the great irony of this male/female difference is that where it really counts, men are slugs. When choosing a partner, men will base their decision largely based on looks, at least initially. And, we all know men who married women exclusively for their looks or youth. Women are much smarter in this regard and marry men for their money! Ha ha.
This entry was posted in Men vs. Women Series, Weekly Columns and tagged balancing checkbooks, basic math, Bruce Sallan, buying decisions, Gifts, men vs. women, money management, point system, value, weekly column by Bruce Sallan. Bookmark the permalink.
I was blessed to grow up in a home where my parents regularly talked about money and taught me different principles. Sure they taught me how to use a check register (?) but I learned how to be aware of everything coming into the account and everything going out (even though at the time it was my pretty piggy bank).
Having a desire to work hard and make money is not bad. Some people are natural entrepreneurs. They were created to build businesses which when successful make money. The world needs these creative people!
Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us, to him be glory in the church and in Christ Jesus throughout all generations, for ever and ever! Eph. 3:20
Sticking your head in the sand about your current financial status is not going to allow you to see Him working or allow you to be used by Him to bring Him glory! I am not judging or condemning simply trying to encourage you to see your money as a gift!
tag_hash_106Jesus sat down opposite the place where the offerings were put and watched the crowd putting their money into the temple treasury. Many rich people threw in large amounts.But a poor widow came and put in two very small copper coins, worth only a few cents.
A budget is a list of categories that you typically spend in a month. These can include food, gas, eating out, clothes, etc. With each category there is an amount that is how much you are allowed to spend that month in that category. All of these categories added together should equal the amount of income you make in a month.
2. Now that you have all the categories written out analyze them. Where are you overspending? Where do you need to be using self-control and saving? Are there any categories you know will be added soon? Like will your rent be going up soon? Or electricity because of summer?
2. When you have all the categories written out fill in all the fixed categories meaning all the ones that are around the same amount each month. Like I typically use 60 in gas each month and my mortgage is $539.60.
Use this card but do not use more than 30% of your credit limit. This will drop your credit score. I personally pay mine off every month and this is the slower way of building your credit. If you want to build credit quickly leave $50 dollars on it monthly, pay the interest and watch your credit score go up!
1.I Saved a lot for years. It took me a while but I started saving my last summer before I graduated college. I started working for a friend and it became my side hustle. I managed his businesses social media presence. Each month I put most of that income into my savings.
If you are convinced you are ready to tackle your finances grab the $10 Money Well Managed Workbook Here! I created it specifically for those really trying to grasp their financial standing and create money freedom in their lives.
In this article, I would like to expand on these topics and give you a clearer picture of where you are on the financial continuum, from a novice to an expert, regarding your household money management skills. By the end of this article, you will have some new tools to help you avoid those missteps and feel more empowered to manage your household finances.
Maybe start smaller. What about keeping track of your income and expenses? Income would include any money you receive, such as salary from a job, bonuses, and interest on your checking or savings accounts. It can also be income from rental property, or investments such as stocks, bonds, and mutual funds.
Expenses would be things you spend money on, such as rent or mortgage, car payment, gas, and utilities. These are the big items that everyone remembers to account for. However, where many people get in trouble is not accounting for those small expenses that seem insignificant. These would be things like spending five dollars at Starbucks for a cup of coffee or ten dollars for lunch with the team. Though these are small amounts, over time they add up and can make or break your financial plan.
Speaking of your financial plan. Do you have a plan? Successful money managers have short-term and long-term plans. Short-term plans, which encompass approximately three months, will include detailed information about the expected income and expenses, along with any funds designated for saving and investing. Long-term plans can be anywhere from one to five years, depending on the financial goals. The expected income and expenses in the long-term plan are more fluid the farther into the future you go. However, having a framework for longer-term goals, such as a down payment for a new car or house, makes these longer-term goals more likely to be achieved in the time frame. And while building that financial plan, including an emergency fund. By creating and maintaining an emergency fund, you ensure that you have money handy when something unexpected happens, such as the car breaking down or an out-of-town family member is deathly ill and you need to book a flight immediately. 152ee80cbc
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