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Credit card debt can be kept in check while still giving nice gifts
During the holiday season, many people feel pressured to spend beyond their means. This becomes a problem in January, when the bills come due. With higher interest rates on credit cards, higher minimum payments and higher late fee penalties, the...

Debt Help & Advice - IVA vs Bankruptcy
Bankruptcy versus IVA : FREQUENTLY ASKED QUESTIONS Q: What is an Individual Voluntary Arrangement 'IVA'? A: An IVA is a legally binding contract between yourself and your creditors, which will generally last for 5 years. You will put...

Settle your debts the easy way
The process of contacting creditors directly or through a third party and negotiating for a lump sum payoff of your debts is known as debt settlement . Benefits of debt settlement * You can reduce your principal debt amount by around 40%...

Ten Ways to Get Out of Debt
1) Use your Assets If you have assets with some significant equity, such as a home or a car you may be able to use these to get control of your debt. For example, you could get a loan on your home sufficient to pay off your debts. You could be...

Use Caution When Entering Into Debt-Consolidation Loan
To the person drowning in debt, a debt-consolidation loan looks a lot like a lifesaver. But agreeing to such a loan without understanding it completely could be a serious mistake. Here's the way it's supposed to work: You pay off all your small,...

 
Bringing Debts into a Marriage


Are you a credit card junkie? Credit card debt can often be a big, deep, dark secret for someone preparing for marriage. It's an uncomfortable subject to talk about. Do you bring it up before or after he slips the engagement ring on your finger (or before you slip it onto hers)? Or do you wait until after all the marriage preparations are in place?
If there are large differences in your assets and liabilities, it may not be such a hot idea to get a joint bank account. Furthermore, you may want to sign a prenuptial agreement just to be clear about what came before your marriage, and what came after.
How you plan your wedding budget will largely determine how you approach money management as a married couple, in the long term. Wedding costs, by themselves can run up quite a tab. If you are noticing conflicts in the early stages of your joint money management, then get some financial marriage advice or premarital counseling.
Couple counseling can be just as much a part of a healthy marriage as family or financial planning is. It's a way of ensuring solid communication skills from the get go; and that's important when debts and assets are about to be split right down the middle.

About The Author

Nathan Dawson writes for http://www.marriedfinances.com and http://www.successfulmarriageresource.com, great online sources for marriage and finance information.

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