Money Talk Provides Pre-marital Financial Guidance

From: Dr. Taffy Wagner, Money Talk and Marriage Advocate

Dear Couples,

Coming to this PAGE at this time was not an error, you are here to gain ANSWERS. Let me be more specific FINANCIAL ANSWERS that can keep you from being in denial or going into your marriage as a liability instead of an asset.

While you have been planning your wedding, I am sure you have thought about thesequestions:
1) Should we have a joint account or a separate account?
2) When and how do we even discuss money?
3) If I bring debt into our marriage, will he or she be responsible for my debt and how will it affect my credit report?
4) Should we have a wedding when we have debt?

I imagine there are sooooo many more questions that you have. That is a great thing. Yet, you have read bridal magazines, attended bridal shows and even went to premarital counseling, yet those questions continue to remain questions. This leads you to feel uneasy in the area of finances.

Fear No More! Money Talk Before The Commitment Walk and The Debt Stops At The Altar is here.

I created Money Talk Before The Commitment Walk and The Debt Stops At The Altar to be a pre-marital financial education tool for you. We both know, money is one of the top reasons for divorce. Let’s remove it from being a challenge in your relationship and marriage. Let me share a few benefits to this program (not all of the benefits, but some)

1) You are able to listen to these audios while you are driving in your car to work or even if you are riding the bus.

2) For those that had a fear about even telling someone you were struggling financially, no more. You can complete this program in privacy.

3) Maybe you are the bride-to-be that says I want to get my financial issues cleaned up before I talk to my groom. That is understandable. This program gives you the freedom to do just that. As a matter of fact, I even encourage you to listen by yourself. Then the groom listens. Then the couple comes together and discuss.

4) Another huge benefit, this is not a one time only use program. You can use this program over and over again based on different financial questions that arise.

Taking a Step to remove Financial Stress Shows the Level of Your Commitment to Your Marriage not just the Wedding!

No matter where you are in your relationship, whether you are Engaged or a Newlywed, Money Talk Before The Commitment Walk and The Debt Stops At The Altar can provide you with financial guidance throughout the lifetime of your marriage. So you can be married and still gain insight on managing your family’s finances. Making a choice for the financial health of your relationship can not ever be wrong.

Let me be candid, I know you have made financial mistakes. I did and so have many others. Remember this, today you have a new chance to learn from your mistakes and make better decisions. Financial challenges are an opportunity to learn, gain insight and not repeat the mistakes. The difference is, you have to be willing to get the financial education that you need so you do not make the same mistakes.

Money Talk Before The Commitment Walk and The Debt Stops At The Altar SHOULD NOT be the missing piece from your marriage.

You have invested in the wedding day to make sure it turns out exactly the way you want it. You took the time to attend several bridal shows, talk with different vendors to see what they were offering. You spent time looking through various bridal magazines to see what they were saying about floral designs and what the trends are. Most importantly, if you are like me, you will if you have not gone to several bridal shops to look at dresses. “THE” wedding dress will be very significant for you. Each one of those, you invested time and money.

Exactly what have you done to make sure you and your groom have a financial foundation for your marriage? Specifically how did you discuss handling day to day finances? What are the financial goals for the marriage? These questions are only a tip of the iceberg of what you should talk about for your marriage.

Do not get me wrong, the wedding is a beautiful day. In addition to the wedding -very important is the day after when your MARRIAGE becomes your life. Are you willing to walk down the aisle without having discussed each other’s financial background?

Built in Excuses for Not Preparing Yourself Financially Gets Your Marriage One Step Closer to Becoming a Statistic

Excuse 1: Who are you to tell me about “Money Talk in Marriage? I am a Certified Educator in Personal Finances, happily married wife of 13 years and my husband and I entered our marriage with approximately $30,000 in debt combined. We formulated a plan to get out of debt within five years of marriage. We got out of debt without filing bankruptcy within two and a half years while only making a total of about $20,000.

I have been quoted in Woman’s Day, Essence Magazine, Black Enterprise, as well as quoted in online websites www.sheknows.com and Entrepreneur.com and interviewed on several national radio shows such as Everyday Wealth Radio, The Michael Dresser Show, The Bev Smith Show as well as Voice America. I am a contributing writer for www.OneWed.com, www.groomsadvice.com and have written an article for www.GetMarried.com. I am sharing with you from my passion and personal experience.

Excuse 2: I already know what I need to know about finances. If this were true, you would not be on this blog. If it is true, let me applaud you and ask you at the same time, to show me your credit report and allow me to post it on my blog. Your credit report paints a picture of how you manage money, good or bad. If you would not want me to see your report, would you show it to your groom? If you married your husband and found out he had debt after the fact, you cannot blame him. You didn’t ask any questions. You said “I Do” based on face value.

Excuse 3: Why would I spend money on this program, when I can get premarital counseling from my church or a local counselor? Premarital counseling usually involves discussing compatibility, expectations, conflict resolution, intimacy and even communication. Finances were missing from that discussion. Money Talk Before The Commitment Walk is a detailed premarital financial course on finances for different aspects of the couple as a husband, wife, parent, student and even an employee. This program is not a one time use only it can be used continuously throughout the marriage.

Excuse 4: I know this is going to be expensive and I cannot afford it. Let’s look at the “latte” factor. If you or the groom gave up your daily trip for a $5 latte at Starbucks for one month, you could have this course. Each month has 4 work weeks. So $5 a day x 20 days equals the cost of the program. Whether it was a Latte or having lunch at McDonald’s every day for a month – this program keeps on giving. You can use it throughout your marriage. You can also teach the money skills learned to your children, relatives, nieces or nephews.

What is Your Marriage Worth? When you Choose Money Talk Before The Commitment Walk and Debt Stops At The Altar and:

• Learn WHEN and HOW to talk about finances
• How to establish COMMON financial goals
• Find out whether you incur your SPOUSE’S DEBT once you get married
• Discover the importance of budgeting and not including the family in household finances
• Why whose income is higher SHOULD NOT impact your marriage

That is only the beginning of what you are going to learn. How many friends or co-workers can you name right now that would benefit from information like this? There is no reason you should not have a positive financial education program that you can utilize as you are preparing to walk down the aisle so you do not turn into that co-worker or friend that is complaining about their spouse’s money habits, overspending and more.

Make an investment in yourself like never before. Do something that your friends have not done for themselves.

Yes, Dr. Taffy, I am willing to give up Starbucks for the next 20 days to invest in my marriage.

What is Being Said About Money Talk Before The Commitment Walk and The Debt Stops At The Altar

“Money Talk Before The Commitment Walk and The Debt Stops the Altar will be an incredible help to couples. It is insightful, practical, and full of financial wisdom. I highly recommend it to any couple who wishes to strengthen their marriage and be proactive about their financial fitness”
Marlo Boux, www.cleangreenwinnipeg.com

Investing in Your Marriage for A Lifetime

As a happily married wife of thirteen years who has been in debt in marriage and learned from it, Dr. Taffy Wagner will share how to establish a financial foundation for your marriage, why you should keep a credit file, as well as determine who should manage the money and why, plus much, much more!

Receive the 5 – One hour audio CD Course
Downloadable Money Talk Instruction Guide
Downloadable Guide on Credit which includes Budgeting
Scroll outlining how Debt Stops At The Altar applies to every area of your life

You will receive this for an introductory price of $97.00

Click here now to safeguard your marriage:

P.S. “In economic hard times you need money smarts more than ever! Empower your marriage relationship starting today”