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Borrowing money isn’t always a bad thing – debt can be a sensible way to build wealth

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Debt, in some form or another, is part of our financial profiles whether we like it or not. And it can be a useful way to build wealth if it is managed carefully and wisely.</p> <p>For example, you may borrow money from the bank to buy an asset – a resource of economic value that generates income from its productive use. Investment property is an example.</p> <p>So investing in an income-producing property can be a good idea.</p> <p>If you are already in the property market, the home equity you’ve accumulated – the share of the property value that’s yours – can help you buy a second property. This time, you may not need a deposit as big as the initial investment.</p> <p>In the event that the rental market is booming and your tenants pay you more than what you repay on the loan, municipal rates and property manager fees, then the wealth-building machine will start to run itself.</p> <p>But debt makes many people uncomfortable.</p> <p>In South Africa, a person earning R20,000 a month commits on average <a href="https://businesstech.co.za/news/finance/585372/south-africas-middle-class-is-in-serious-trouble-right-now/">63% of their salary to repaying unsecured debt</a> – such as credit cards, personal loans, overdrafts or “buy now, pay later” facilities. As a general guideline, it’s suggested that <a href="https://www.investopedia.com/terms/d/dti.asp">no more than 40%</a> of your income should be used to service debt.</p> <p>Financial anxiety has its roots in some misconceptions. The main one is that all debt is bad. This isn’t true. Prudent borrowing to buy an asset can help build wealth in the medium to long term. So fears about debt need to be weighed against a broader understanding of wealth accumulation. Well-managed debt can play a role in that process.</p> <p>Here are the four biggest misconceptions about debt. Recognising them will help you develop a more nuanced approach to debt.</p> <h2>The misconceptions</h2> <p><strong>All debt is bad debt.</strong></p> <p>Indeed, debt is a problem when you can no longer manage it and it starts to manage you. One of the simplest ways to tell whether debt is working for you or against you is through “leveraging”. This refers to the use of debt to acquire an asset that is worth more than the value of the debt. It’s also known as positive or favourable leveraging.</p> <p>People who take out unsecured loans are leveraging unfavourably when the debt is driven by consumption. Often there’s nothing to show for what you’ve spent. Unsecured loans also tend to charge higher interest rates to compensate for the lack of collateral.</p> <p><strong>Only financially reckless people are in debt.</strong></p> <p>This is the next misconception. Second to unsecured loans, most South African consumer debt portfolios are taken up by <a href="https://businesstech.co.za/news/wealth/617685/these-income-levels-in-south-africa-owe-the-most-debt/">home loans</a>. The most realistic way to gain entry into the housing market is through a mortgage. You’re doing the right thing if your mortgage is paid off within a reasonable time. This will mean that, in the long term, the value of the property will surpass the home loan amount that was taken out to buy the property in the first place.</p> <p>But there are two misconceptions related specifically to mortgages.</p> <p><strong>After you’ve paid the mortgage deposit, you won’t have other fees to pay.</strong></p> <p>This isn’t correct. Banks charge a fee to open and close a home loan account. There can also be a penalty when a home loan is repaid prematurely. So be sure to read the fine print about discharge fees or closing costs.</p> <p><strong>If you stick to the repayment amount for your mortgage, you’ll be able to repay the loan quickly.</strong></p> <p>This isn’t true – even if interest rates fall and your mortgage repayments decline, your home loan is most likely tied to a loan term of 20 to 30 years. Many banks will quote a monthly mortgage repayment amount that seems affordable at face value but is in fact based on a 20-year term period.</p> <p>Banks are businesses and it works in their favour if you take longer to repay your mortgage because that translates into more interest repayments. The longer the duration of the home loan, the more interest you pay, the more profit they make.</p> <p>If it takes over 20 years to repay a bond, it’s often the case that the value of the interest repayments exceeds the initial loan amount.</p> <p>Home loan calculators are a useful tool that can help you assess how much you could afford to repay on a home loan depending on the deposit saved, if interest rates change and how long it will take you to repay the mortgage with topped-up contributions.</p> <p>It is essential to have a goal for when you’d like to finish paying off your mortgage and a plan in place to achieve this goal. If you don’t do this you could become a mortgage prisoner.</p> <h2>Keeping your eye on the prize</h2> <p>As we’re about to conclude the year and enter the festive season, it’s a good time to remember your financial goals and not let your guard down by unconsciously swiping or tapping that credit card.</p> <p>“Janu-worry” is around the corner, and so is the financial anxiety that comes with it. But it need not be the case. Debt can either be the cure or the cause of your financial position. Reconsider spending patterns that prompt you to use your credit card. Too much debt over short periods is an irregular spending pattern that is a warning sign.</p> <p>There’s no harm in buying what you can afford or staying in your financial lane if the alternative forces you to sacrifice your hard-earned income on servicing consumption-driven debt.</p> <p>For better or worse, debt is a part of our financial portfolios. But the road to financial empowerment is not always easy – financial planning can help you keep your eye on the prize.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/192630/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/bomikazi-zeka-680577"><em>Bomikazi Zeka</em></a><em>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/borrowing-money-isnt-always-a-bad-thing-debt-can-be-a-sensible-way-to-build-wealth-192630">original article</a>.</em></p>

Money & Banking

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Would you do this at home? Why we are more likely to do stupid things on holidays

<p><a href="https://theconversation.com/profiles/denis-tolkach-11345">Denis Tolkach</a>, <em><a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a></em> and <a href="https://theconversation.com/profiles/stephen-pratt-335188">Stephen Pratt</a>, <em><a href="https://theconversation.com/institutions/the-university-of-the-south-pacific-1881">The University of the South Pacific</a></em></p> <p>As the COVID pandemic took hold, Ohio’s Brady Sluder went to Miami for spring break, despite <a href="https://www.nytimes.com/2020/03/24/us/coronavirus-brady-sluder-spring-break.html">urgent calls</a> for people to stay home and socially distance.</p> <p>Interviewed by CBS News, Sluder’s <a href="https://www.nytimes.com/2020/03/24/us/coronavirus-brady-sluder-spring-break.html">arrogant justfication</a> for his trip went viral.</p> <p>"If I get corona, I get corona. At the end of the day, I’m not gonna let it stop me from partying […] about two months we’ve had this trip planned."</p> <p>A week later — now an international “celebrity” for all the wrong reasons — he was forced to issue a grovelling apology.</p> <p>If you think Sluder’s partying was stupid, we share your feelings.</p> <p>With the festive season upon us, as the pandemic continues, we can only hope <a href="https://theconversation.com/iso-boomer-remover-and-quarantini-how-coronavirus-is-changing-our-language-136729">covidiots</a> listen to the rules. As many of us also head off on summer breaks, now is also a good time to reflect on stupidity in tourism.</p> <p>We may be tempted to think a stupid person has certain demographic or psychological characteristics. However, anyone can behave stupidly, especially in unfamiliar environments — like holidays — where it is difficult to judge the right course of action.</p> <h2>The laws of human stupidity</h2> <p>In our recently published <a href="https://doi.org/10.1080/02508281.2020.1828555">journal article</a> on stupidity in tourism, we see stupidity as an action without insight or sound judgement. This results in losses or harm to the perpetrator and others. In a holiday context, it can negatively affect tourists themselves, as well as other people, animals, organisations, or destinations.</p> <p>In 1976, Italian economist Carlo Cipolla published a <a href="https://www.theguardian.com/education/2012/apr/09/improbable-research-human-stupidity">definitive essay</a> called The Basic Laws of Human Stupidity. Although we prefer to focus on stupid behaviour rather than stupid people, we agree with his five laws:</p> <ol> <li> <p>Always and inevitably, everyone underestimates the number of stupid individuals in circulation.</p> </li> <li> <p>The probability that a certain person (will) be stupid is independent of any other characteristic of that person.</p> </li> <li> <p>A stupid person is a person who causes losses to another person or a group of persons while himself deriving no gain and even possibly incurring losses.</p> </li> <li> <p>Non-stupid people always underestimate the damaging power of stupid individuals. In particular, non-stupid people constantly forget dealing with or associating with stupid people always and everywhere turns out to be a costly mistake.</p> </li> <li> <p>A stupid person is the most dangerous type of person.</p> </li> </ol> <p>Why is stupid behaviour so dangerous? Because it is irrational and so the outcome is unpredictable.</p> <p>Who could have thought so many people would die <a href="https://abcnews.go.com/US/selfie-accidents-range-silly-deadly-world/story?id=53636494">when taking a selfie</a> that you can now <a href="https://www.smh.com.au/lifestyle/life-and-relationships/life-insurance-for-selfie-deaths-have-we-reached-peak-stupid-20191003-p52xe2.html">take out insurance</a> on the act? Or that aeroplane passengers would <a href="https://www.bbc.com/news/business-50979485#:%7E:text=A%20Chinese%20man%20who%20was,near%20one%20of%20its%20engines.">throw coins into engines</a> for good luck?</p> <h2>What causes stupidity?</h2> <p>How can we better understand our own stupid behaviour, or recognise it in others? Stupidity is generally caused by an excess of one or more of the following factors:</p> <ul> <li>the person believing they know everything</li> <li>the person believing they can do anything</li> <li>the person being extremely self-centred</li> <li>the person believing nothing will harm them</li> <li>the person’s emotions (for example, fear or anger)</li> <li>the person’s state (for example, exhausted or drunk).</li> </ul> <h2>Why stupid behaviour is more likely on holidays</h2> <p>Tourists can be affected by all of these factors.</p> <p>Leisure tourism, by its nature, is a very self-centred and pleasure-seeking activity. People often travel to relax and enjoy themselves.</p> <p>In pursuit of trying something new or escaping their daily routine, people may go to places with very different cultures or practices than their own, or try things they wouldn’t normally do — such as adventure activities. As a result, individuals can act differently while on holidays.</p> <p>There also seem to be fewer social constraints. Tourists may not follow rules and social norms while travelling, because relatives, friends, colleagues, bosses are less likely to find out. Of course, tourists may not be aware of the commonly-accepted rules of where they travelling, as well.</p> <p>All of the above increases the likelihood of stupidity. And one certainly doesn’t need to travel overseas to be stupid. A case in point is a tourist who <a href="https://www.abc.net.au/news/2020-08-05/tourist-allegedly-broke-into-uluru-kata-tjuta-park-coronavirus/12526084">snuck into Uluru-Kata Tjuta National Park</a>, which was closed-off in August due to COVID concerns in the local indigenous community. The woman injured her ankle and had to be rescued.</p> <h2>The importance of thinking first</h2> <p>So, what to do about stupid tourist behaviour?</p> <p>Strict regulation, physical barriers, warning signs and other punitive measures alone may not work. This is seen in the case of a man who climbed over a zoo fence in 2017 to avoid the entry fee. He ended up <a href="https://www.abc.net.au/news/2017-01-30/man-mauled-by-tiger-after-climbing-to-fence-avoid-buying-ticket/8225016">being mauled to death</a> by a tiger.</p> <p>Education of tourists on how to behave during travels <a href="https://www.sciencedirect.com/science/article/abs/pii/S0160738317300063">has some effect</a>. But more importantly, tourists need to be <a href="https://theconversation.com/tourists-behaving-badly-how-culture-shapes-conduct-when-were-on-holiday-72285">self-aware</a>. They need to consider what is likely to happen as a result of their behaviour, how likely is it that things will go wrong, and whether they would do this at home.</p> <p>While stupidity is impossible to eliminate, it can be less frequent and do much less damage, if we take time to reflect on our behaviour and attitudes.</p> <p>So, have fun during the holiday … but don’t be stupid!<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/150287/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/denis-tolkach-11345">Denis Tolkach</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> and <a href="https://theconversation.com/profiles/stephen-pratt-335188">Stephen Pratt</a>, Professor, <a href="https://theconversation.com/institutions/the-university-of-the-south-pacific-1881">The University of the South Pacific</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/would-you-do-this-at-home-why-we-are-more-likely-to-do-stupid-things-on-holidays-150287">original article</a>.</em></p>

Travel Trouble

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Censorship or sensible: is it bad to listen to Fat Bottomed Girls with your kids?

<p><em><a href="https://theconversation.com/profiles/liz-giuffre-105499">Liz Giuffre</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a></em></p> <p>International music press has reported this week that Queen’s song Fat Bottomed Girls <a href="https://www.billboard.com/music/music-news/queen-fat-bottomed-girls-greatest-hits-1235396348/">has not been included</a> in a greatest hits compilation aimed at children.</p> <p>While there was no formal justification given, presumably lyrics “fat bottomed” and “big fat fatty” were the problem, and even the very singable hook, “Oh, won’t you take me home tonight”.</p> <p>Predictably, The Daily Mail and similar outlets used it as an excuse to bemoan cancel culture, political correctness and the like, with the headline “<a href="https://www.dailymail.co.uk/tvshowbiz/article-12424449/We-woke-Classic-Queen-song-Fat-Bottomed-Girls-mysteriously-dropped-groups-new-Greatest-Hits-collection.html">We Will Woke You</a>” quickly out of the gate.</p> <p>Joke headlines aside, should children be exposed to music with questionable themes or lyrics?</p> <p>The answer is not a hard yes or no. My colleague Shelley Brunt and I studied a range of factors and practices relating to <a href="https://www.routledge.com/Popular-Music-and-Parenting/Brunt-Giuffre/p/book/9780367367138">Popular Music and Parenting</a>, and we found that more important than individual songs or concerts is the support children are given when they’re listening or participating.</p> <p>A parent or caregiver should always be part of a conversation and some sort of relationship when engaging with music. This can involve practical things like making sure developing ears aren’t exposed to too harsh a volume or that they know how to find a trusted adult at a concert. But this also extends to the basics of media and cultural literacy, like what images and stories are being presented in popular music, and how we want to consider those in our own lives.</p> <p>In the same way you’d hope someone would talk to a child to remind them that superheroes can’t actually fly (and subsequently if you’re dressed as a superhero for book week don’t go leaping off tall buildings!), popular music of all types needs to be contextualised.</p> <figure><iframe src="https://www.youtube.com/embed/VMnjF1O4eH0?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Should we censor, or change, the way popular music is presented for kids?</h2> <p>There is certainly a long tradition of amending popular songs to make them child or family friendly. On television, this has happened as long as the medium has been around, with some lyrics and dance moves toned down to appease concerned parents and tastemakers about the potential evils of pop.</p> <p>Famously, <a href="https://www.youtube.com/watch?v=oim51kUg748">Elvis Presley serenaded a literal Hound Dog</a> rather than the metaphorical villain of his 1950s hit.</p> <p>In Australia, the local TV version of <a href="https://nostalgiacentral.com/music/music-on-film-and-tv/bandstand-australia/">Bandstand</a> from the 1970s featured local artists singing clean versions of international pop songs while <a href="https://www.youtube.com/watch?v=guembJBOOyI">wearing modest hems and neck lines</a>.</p> <p>This continued with actual children also re-performing pop music, from the Mickey Mouse Club versions of songs from the US to our own wonderful star factory that was <a href="https://theconversation.com/all-my-loving-young-talent-time-still-glows-50-years-since-first-airing-on-australian-tv-159533">Young Talent Time</a>. The tradition continues today with family-friendly, popular music-based programming like The Voice and The Masked Singer.</p> <figure><iframe src="https://www.youtube.com/embed/oim51kUg748?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>In America, there is a huge industry for children’s versions of pop music via the Kidz Bop franchise. Its formula of child performers covering current hits has been wildly successful for over 20 years. Some perhaps obvious substitutions are made – the <a href="https://www.youtube.com/watch?v=zkctByJbtNY">cover of Lizzo’s About Damn Time</a> is now “About That Time”, with the opening lyric changed to “Kidz Bop O’Clock” rather than “Bad Bitch O’Clock”.</p> <p>In some other Kidz Bop songs, though, <a href="https://pudding.cool/2020/04/kidz-bop/">references to violence and drugs have been left in</a>.</p> <p>Other longer-standing children’s franchises have also made amendments to pop lyrics, but arguably with a bit more creativity and fun. The Muppets’ cover of Bohemian Rhapsody, replacing the original murder with a rant from Animal, is divine.</p> <figure><iframe src="https://www.youtube.com/embed/tgbNymZ7vqY?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Should music ever just be for kids?</h2> <p>Context is key when deciding what is for children or for adults. And hopefully we’re always listening (in some way) together.</p> <p>Caregivers should be able to make an informed decision about whether a particular song is appropriate for their child, however they consider that in terms of context. By the same token, the resurgence of <a href="https://www.theguardian.com/music/2022/apr/05/how-the-wiggles-took-over-the-world-and-got-the-cool-kids-on-side-too">millennial love</a> for The Wiggles has shown us no one should be considered “too old” for Hot Potato or Fruit Salad.</p> <figure><iframe src="https://www.youtube.com/embed/quHus3DwN4Q?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>When considering potential harm for younger listeners, factors like <a href="https://kidsafeqld.com.au/risks-noise-exposure-baby/">volume and tone</a> can be more dangerous than whether or not there’s a questionable lyric. Let’s remember, too, lots of “nursery rhymes” aimed at children are also quite violent if you listen to their words closely.</p> <p>French writer Jacques José Attali <a href="https://www.google.com.au/books/edition/Noise/OHe7AAAAIAAJ?hl=en">famously argued</a> the relationship between music, noise and harm is politics and power – even your most beloved song can become just noise if played too loudly or somewhere where you shouldn’t be hearing it.</p> <p>As an academic, parent and fat-bottomed girl myself, my advice is to keep having conversations with the children in your life about what you and they are listening to. Just like reminding your little superhero to only pretend to fly rather than to actually jump – when we sing along to Queen, we remember that using a word like “fat” and even “girl” isn’t how everyone likes to be treated these days.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212093/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/liz-giuffre-105499">Liz Giuffre</a>, Senior Lecturer in Communication, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/censorship-or-sensible-is-it-bad-to-listen-to-fat-bottomed-girls-with-your-kids-212093">original article</a>.</em></p>

Music

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10 sensible ways to deal with money stress

<p>Money is a source of angst for lots of people. Surveys have shown that at least a third of us think dealing with our finances is stressful and overwhelming. A recent Harvard study even found money worries can reduce your IQ by up to 10 points.</p> <p>But while there's no guaranteed quick way to riches, there are a number of ways to cut your money stress.</p> <p><strong>1. Tackle it head-on</strong></p> <p>When you are in trouble, it is tempting to bury your head in the sand. But the worst thing you can do is ignore the bills you cannot pay or the accounts that have gone into overdraft. As soon as you spot a problem, get in touch with your providers and warn them. Banks and utilities companies look much more favourably on situations that they can understand. They may allow you to pay off a bill over time, or restructure your obligations to make them more manageable.</p> <p><strong>2. Stop taking short-term debt</strong></p> <p>Short-term, high-interest consumer debt quickly spirals out of control. Always use it as a last resort. If you are on a low income, you may be able to access low and no-interest loans.</p> <p>At the same time, be careful about the number of interest-free hire purchase agreements you sign, or how many times you take new online laybuy options to pay off your shopping. It is easy to find that these small payments quickly add up to a substantial monthly bill.</p> <p><strong>3. Spread your bill payments</strong></p> <p>This is especially effective with power bills. Most providers allow you to pay a bit more each month during summer to help offset your winter increase in consumption. You could do something similar by trying to get into credit on your broadband bill on months when you have extra cash, or taking the option of paying your rates more regularly instead of in quarterly lumps. When you have extra money in your account, buy Christmas vouchers at the supermarket to pay for future shopping - they can be redeemed any time of year, although you will not get the December incentive.</p> <p><strong>4. Don't get caught up in your budget</strong></p> <p>If sticking to a detailed budget is giving you a headache, simplify it. If you can work out what you need to save each month and how much you need for bills, you can allow yourself to spend the rest.</p> <p><strong>5. Automate</strong></p> <p>Paying your bills on time often gives you access to discounts. Set up your bills so they are paid by direct debit each month, on or just after pay day so you don't risk a default fee if there is not enough money in the account to cover it. You can also automate transfers to your savings account so that the money is gone before you are tempted to spend it.</p> <p><strong>6. Check in with your providers</strong></p> <p>Ring around your broadband provider, phone company, bank and anyone else you pay regularly to check you are on the best plan or using the right type of account. Should you be on a low-user plan for your power? Could you structure your mortgage better?</p> <p><strong>7. Increase your income</strong></p> <p>If you can't spend less, can you earn more to reduce your money stress? Apps such as Entisy match willing workers with people offering piecemeal jobs - you could do things such as weeding or window cleaning to make a bit of extra money.</p> <p><strong>8. Insure</strong></p> <p>Get good advice to make sure you have the right cover for yourself, your income and your belongings. Not taking out enough insurance is false economy.</p> <p><strong>9. Set up an emergency fund</strong></p> <p>Try to amass a pot of money that you can dip into if disaster strikes - when your car needs repairs or you find yourself short of work for a while. Some advisers recommend an amount equal to three months' wages or more. This may be unrealistic but the amount should be enough to ensure you are not living payday to payday. If you have a mortgage, you may be able to save this money in a revolving credit or offset facility to reduce the interest cost of your home loan at the same time.</p> <p><strong>10. Be open with your partner</strong></p> <p>Have an honest conversation with your loved ones about your attitudes to money. There is no point in one of you diligently saving if the other is regularly dipping into the same account and splashing out. Talk about your expectations and financial goals and aim to come to a consensus - or develop a plan to manage your differences.</p> <p>Have you ever been stressed out about your finances?</p> <p><em>Written by Susan Edmunds. First appeared on <a href="http://www.stuff.co.nz/" target="_blank"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>. </em></p>

Money & Banking