What if your partner is racking up a huge amount of credit card debt, and has a hard time putting a halt to their unnecessary spending? This situation can get quite dangerous. Is your spousal debt starting to look unmanageable due to a spending addiction? Start investigating payment solution and embrace the ideas listed below that you may try out to get their finances back on track.
1. Be Careful with Debt Solutions
There is a saying that “you know yourself best”, so when you are solving your own debt problems, you have only yourself to worry about. Dealing with someone else’s issues on the other hand, may pose some uncertainties, and there are more factors to consider. For example, be especially careful about converting credit card debt into home equity debt. This will just free up your cards enough so that you or your partner can inadvertently do more damage. Unless you are committed and completely stop using those cards and commit to paying down debt, any loan modification efforts will only lead to increased spending temptations and additional debt.
2. Seek Counselling
While you may be open to taking action for yourself, it may be a lot tougher trying to encourage your spouse to go this route. Have you ever seen the TV show “Intervention”? You can only instigate change once you have seen the light. Unfortunately, many people with this problem do not see their debt as a problem and continue to be in denial.
3. Do Not Bail Your Spouse Out
Discuss the option of separating your finances with your partner who cannot manage their spending. See if you can work out an agreement where you keep separate financial accounts.
4. Approach the Issue with Sensitivity
Be understanding and supportive provide a positive attitude and loving approach to your spouse’s problems. Dealing with change can sometimes be tough and it’s easy to fall off the wagon, so making this a team effort would be much more manageable. Of course, your family’s dynamics will determine whether you can realistically make this a successful joint effort, but this has to be done.
5. Manage Household Finance
In effect, this would mean relinquishing financial control and assigning the financial responsibilities to someone in the family who can handle their finances. Would you be able to make your spouse cooperate and agree to a financial plan? In fact, you are both basically imposing strict limits on your household spending, and though it may be an uncomfortable arrangement, it may be worth doing for at least, for the short term.
6. Use the Right Tool
As it is mandatory to cut all your spouse’s credit cards at this stage, you will need to provide another payment method for her because you simply cannot expect her to pay for everything in cash. This is where the Visa prepaid card comes in handy. Prepaid Visa cards functions just like a traditional credit or debit card would. This will allow your spouse to make purchases in-store, online or at ATM machines. However, the prepaid Visa card is not linked with any credit facilities or bank account. This means that she can only spend what was preloaded on the prepaid card account. Since a prepaid credit card does not facilitate credit services or cash advances, your spouse will not be able to spend any money that they don’t have. This is a perfect tool to restrict expenses as well as to help her nurture a sense of responsible spending.
Now that you have realized that the only way you can break this bad habit is to help your spouse to make a commitment to deal with it head on. You will have to help your spouse dig deep to find the discipline to make those changes. With the assistance of prepaid Visa cards and full dedication, it gets easier as your spouse develops healthier financial habits over time.
Visit http://www.transact24.com and get your spouse a prepaid Visa card today, do not allow her debt to add up and control her life.
Skin care is part of every girl’s beauty routine, but are you using the best products? There are so many brands to choose from and you have probably settled upon a brand you like. Have you taken a detailed look at your skin lately, to see if your chosen products are doing the job they promise? You may be happy with your results, but what if we told you we’d found a brand with two amazing products, which have been scientifically formulated and undergone clinical trials? That brand is Elan Rose, and we invite you to try it and see what you think.
Wrinkle Reducing Serum
It’s a simple and unavoidable fact that ageing happens. This is particularly noticeable in the skin, and especially the face. Wrinkles are an undeniable part of the ageing process, but don’t they come along suddenly? You wake up one morning and find new wrinkles on your carefully tended-to face, so what do you do? You could try the proven and inventive ‘Wake-Up Beautiful!’ night serum, one of the most popular products from Elan Rose, as it has many properties that are designed to help in terms of anti-aging.
This proven wrinkle reducing serum is a highly developed product and has many satisfied users. It promises to reduce the appearance of wrinkles and other lines, as well as strengthening and smoothing the skin and improving luminosity. You’ll also find the Elan Rose products to be sensibly prices, and also easy to use and effective. Furthermore, as it is used overnight you don’t have to worry about time – you simply apply it and leave it, and it does the job it’s intended for.
Vitamin B3 Serum
Elan Rose is proud of its reputation, and as its range is not too large they have the ability to develop and improve over time. The spf 30 day cream, for example, is a highly developed product intended for both skin replenishment and protection from the sun. UV rays are the worst enemy of the skin and, as we are exposed to them on a daily basis, we need protection from them. Even in the UK, we are getting UV exposure regularly, and the Elan Rose ‘Hello Sunshine’ Day Cream is a product that offers strong protection and long-term hydration.
This carefully formulated skin care product is very popular and in independent trials, was found to deliver excellent results in 100% of the trial subjects. Such success is very impressive, and proves the Elan Rose dedication to excellence. For example, the night product is a vitamin B3 serum, providing excellent skin care properties in perfect safety.
You can check out the details of the Elan Rose product range on their website, and we are confident you will find they are perfect for you. Whether you are currently using a preferred product or are looking for a new one, you will like what is on offer at Elan Rose, so why not get on to their site now, and place your first order.
You don’t have to be a fan of the ubiquitous Kardashian family (and their endless weddings and baby showers) to see the hottest gifts for babies and parents. Today’s parent wants a gift that’s not only very cute and clever, but one that is practical.
Take your cue from celebrity and famous new parents – a very coveted baby shower, christening, bris or baby welcome gift is a baby hamper. You can struggle to put one together yourself. But for the same (if not reduced) price, you can purchase beautifully arranged baby hampers in Sydney which come in themes and colours and lots of personalization options. It is also more convenient and hassle-free to purchase one rather than creating it yourself.
Baby hampers are so clever – and if you’re giving the gift in a crowd or party, you will get all the oohs and ahs. Attention will be on your gift, which will not only be picture-ready and picture perfect, but be filled with items, to which you can add to make it just what you’re looking for and what you need. There are sellers like Baby Gift Box that have gifts designed for the mum-to-be, for a set of twins, for gender-specific or gender-neutral babies, too.
If you’re looking for additional items to give – let’s say you chose to give a hamper for the baby shower – and you need something to bring to welcome the new baby or to bring when you attend the baby’s christening or bris – there are a lot of super fun, super cute and all-kinds-of-adorableness presents available.
You know how toddlers like to ride up high on mummy’s or daddy’s shoulders? There’s cute – albeit one-trick pony item — that some parents will love, it’s a shoulder baby holder. It has a cute soft seat that conforms around the wearer’s neck and a chest brace and holders for the baby’s feet.
Baby leg-warmers may seem gimmicky to you, but little knit knee warmers – with padding in the knee are great for crawlers (but bear in mind that not every baby crawls – some go from sitting to walking).
The always pulse-on-pop-culture Buzzfeed may have their moments of controversy, but not when it comes to checking out the latest in electronics, fashion, food and more…and even… baby gifts! Check out “30 Unexpected Baby Shower Gifts That are Sheer Genius”. Included on the baby items list are:
- Baby bean bags
- A baby shusher
- Car-seat/Stroller combination
- Car-seat vest with a holder for a dummy or baby-bottle
- Dancing shoes for parents to wear with little shoes on top for kids to stick their feet in and dance with mum or dad
- Portable baby food mill
- Baby bullet — people who love icy mixed drinks know the bullet that’s a compact high-speed, individual blender, and now there’s one for mixing baby food
- Blooming bather – a safety padded mat for baby to sit on whilst in the bath
- Bottle heater that doesn’t need batteries or hot water
- Fancy baby cradle that comes with music and “five unique motions” that mimic the way a parent carries their baby
- A baby board book on HTML (it’s actually called HTML for Babies)
- Clever stroller attachment for mum’s with lots of useful pockets
- A bib that is also a placemat
- A 3-in-1 travel diaper bag that transforms into a changing table and portable bassinet (this is mad genius, actually)
- A spill-proof and indestructible sippy cup
- A changing mat that’s transformed from what looks like a cosmetic pouch
- A stroller phone holder
- A super-gentle battery-powered nail file
- Electrical outlet protectors
- An egg carton filled with baby socks in different sizes (something you can actually make yourself)
With plenty of ideas presented above, you can certainly find a gift that is not just perfect for the baby but is also something that parents-to-be will appreciate.