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Love and Money
One of the topics that frequently comes up in couples' therapy is
conflicts concerning money. This is usually even more of an issue right
before the holidays, when couples may be deciding whether to create
large credit card balances from holiday shopping sprees.
Early in a relationship, couples will often unconsciously choose roles to
play around money: one person is the spontaneous child and the
other is a critical parent. In this situation, there is typically no firm
budget set, and the "child" part of the couple either spends much
more than the "parent" wants, or the "child" part whines and begs
constantly that they need more money to buy something. The
"parent" part of the couple wants to please his or her partner, and
reluctantly gives permission for the purchase, even though they may
resent it.
This pattern is dangerous to the long-term health of the relationship
because it is a guaranteed set-up for more anger, resentment, and
distance in the future. Both people quickly tire of their roles. The
"child" person hates to have to ask, and the "parent" person hates to
say no. Often each is unconsciously acting out emotional issues from
their families of origins and re-creating a dysfunction outcome in the
relationship.
If you notice that you and your partner are displaying this pattern in
dealing with money, try the following suggestions which have been
shown to be very helpful for couples:
Make a budget together, including allowances for gifts, going out and
other fun activities. You may need to track all expenses for a month
or two to do this accurately;
Create a system whereby it is the budget which gives 'permission' for
purchases, automatically and mechan- ically, without impulsivity or
emotion playing a role;
Review the budget monthly to see how it is working for both of you.
By consciously choosing to deal with money in an adult, rational
manner, you both avoid the parent/child roles. This also frees up
space emotionally to look at why you unconsciously adopted those
roles early in your relationship, and what gratification or payoff those
roles were giving you.
People often think of financial planning, but as a couple you are also
wise to think of emotional planning as well. Anything which
consistently generates resentment, anger, and/or distance in your
relationship will inevitably lead to major problems in the future. If you
have emotional issues to resolve, learn how to do it directly instead of
playing them out through money.
Copyright © Joe Bavonese, PhD. Relationship Institute, (248) 546-0407. Reprinted with permission.
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