Lifestyle
Matthew Cambó Gives 5 Tips of Advice on Improving Your Marriage During Hard Financial Times
One of the leading causes of stress in a partnership is financial discussions, and there are many reasons why this factor continues to be a major contributing cause to failed marriages (as there is typically never one sole cause). When a couple experiences financial hardship, discussing money becomes a downward spiral if this topic of discussion has not been appropriately addressed or adequately communicated before a challenging economic time. So many marriages ultimately fail, in part, when partners avoid openly discussing their finances due to a spouse’s or both spouse’s insecurities, an inability or refusal to maturely discuss financial matters effectively, or an overall lack of determining financial compatibility (knowledge, expectations, agreement, compromise, etc.) prior to entering a marriage.
Matthew Cambó, a Florida family law attorney, serves many clients going through a divorce. He witnesses how many couples wanting to end their marriage need help from the court system sorting out financial matters due to the inability to compromise on any topic of money. When times get tough for any marriage, and financial troubles such as unemployment or debt to income ratios create stricter budgets, Cambó offers these five tips to help any couple improve their marriage despite times of economic hardship.
Tip #1. Start Talking
One of the most challenging things for a couple to do if they struggle with financial compatibility is to open up about their financial baggage. Instead of avoiding financial discussions during hard times, take the issue as an opportunity to open healthy communications with your partner; not by pointing fingers or blaming your spouse, but instead, by expressing your desire to tackle the problem as a team. Try openly discussing with your partner why you struggle to discuss finances. If you’ve married someone you love and trust, he or she should welcome the chance to help address your financial concerns and, hopefully, nurture your willingness to share your vulnerability.
Tip #2. Build a Goal Together
If you and your spouse are routinely on the wrong financial page, especially when money is tight, you and your spouse may be overdue for creating a proactive financial plan together that incorporates both of your goals. Establishing a financial plan helps couples work as a team towards reaching mutual goals and reducing the unanticipated stresses of family money management, rather than one person bearing most of the burden, then trying to micromanage or control the financial actions of the other spouse. Following the golden rule positively with your spouse will typically lead to a better relationship overall, not just in your financial relationship.
Tip #3. Take the Stress Out of Budget
The word “budget” can often create more stress for couples who have not had the opportunity to see what great financial doors a budget can open. Start small by addressing one area of your spending that could be adjusted (e.g. eating out of the home, luxury spending, unused monthly subscriptions, etc.) and build from that if it works. Try to be positive in your approach, with a non-critical and improvement-oriented mindset, to show the benefits budgeting can create for your marriage. Also, don’t freak out or give up if you or your partner have hiccups along the way. It’s a long-term work in progress to reach your goals. You don’t want to lose all progress because of a single misstep. You can get back on track.
Tip #4. Say No to Financial Infidelity
Financial infidelity is when one spouse keeps damaging financial secrets from the other, breaking strong marriage values of honesty and trust. Years of financial tension and resentment can cause either or both spouses to succumb to financial infidelity, sometimes unknowingly. Hidden bank accounts, secret debt and spending, private purchases for non-marital purposes, and clandestine gambling are all signs of an unhealthy and unfaithful financial relationship with your spouse.
Tip #5. Try Three Bank Accounts
Conflicts created by spouses’ differences in spending habits or contributions to joint expenses can drive a large wedge in their relationship, which continues to grow with each incident and leads to divorce if left unresolved. Perhaps creating a third account for marital expenses, which each party can contribute to, could help mitigate this issue while still providing each spouse with a sense of autonomy and control.
About Matthew Cambó
Matthew Cambó is an associate attorney with Leinoff & Lemos, P.A. He has been recognized by Best Lawyers in America 2022 due to his exceptional focus on serving clients in family law matters. Mr. Cambó has a degree in Political Science and a J.D. from the University of Miami School of Law. He is licensed to practice in Florida and is a member of the Family Law and Young Lawyers sections of the Florida Bar.
Lifestyle
Struggling to lose weight? Check out some great health advice from these celebs
You don’t necessarily need to visit a nutritionist or doctor for any health concerns unless of course, they are more severe and chronic. If you’re just researching ways to lose weight, improve your workout or enhance your diet, then check out some of these nifty tips from the world’s most healthy celebrities.
Jennifer Lopez avoids caffeine
Jennifer Lopez received rave reviews in 2019 for her role as a stripper in the film “Hustlers”. When asked about how she keeps her body in shape, she recommended avoiding caffeine as much as possible. This includes no alcoholic beverages or coffee. On top of this, she doesn’t smoke.
Jennifer Aniston eats her comfort foods with a healthy twist
Jennifer Aniston does a lot of yoga and exercises often. However, she can’t part ways with some of her favourite foods and dishes (many of which aren’t healthy). She likes to swap out pasta sheets for roasted vegetables and uses turkey bacon when cooking her homemade carbonara (turkey bacon has fewer calories than regular bacon).
Halle Berry has four small daily meals
Halle Berry was diagnosed with diabetes at just 19 years of age. While managing her condition, Berry claims she has four “small” meals every day. She includes a lot of vegetables in each meal and drinks plenty of water. She also likes to avoid processed sugars and manufactured foods, like bread.
Nicole Kidman uses the 80:20 rule
One of Australia’s most acclaimed actresses, Kidman is well-known for sticking with the 80:20 rule when dieting. What does this mean? Well, 80% of your diet should be considered “healthy”, as in sticking to recommended fruit, vegetable and protein intake. The other 20% of your diet can be regarded as luxuries or foods you would only eat in moderation.
Lifestyle
Bryn Carden Explains Why You Should Never Sacrifice Sleep
The world is full of sleep-deprived individuals trying to survive and manage life. Scientists suggest that humans need to get at least eight to ten hours of sleep a night, which by that time request, sleep is viewed as a luxury for most. However, the reality of a sleepless society results in declining personal health and wellness.
Bryn Carden, a student, studying Finance with a Real Estate Concentration at Texas Christian University while pursuing an entrepreneurial career, considers self-health a passion and says that sleep is something that people with busy schedules do not have to sacrifice. Sleep is an essential cornerstone to good health, and being adequately rested possesses more benefits for overall well being than skipping a solid night’s rest.
What Happens to Health When Sacrificing Sleep?
The US Centers for Disease Control and Prevention states that a third of the human population is sleeping for less than seven hours a night. Besides the common grumpiness and grogginess that comes with lack of sleep, more severe health risks can come with not getting enough shut-eye.
Not getting enough sleep can cause the body to have poor functioning, cognitive and reflex responses. During a clinical trial sleep study, researchers found that individuals getting no more than six hours per night for two weeks had declined in cognitive functions and reflexes just as drastically as people who had received little to no sleep for two consecutive nights.
Lack of quality sleep can also lead to health issues such as weight gain or even a shorter lifespan. When not getting the proper amount of sleep, the body can increase unhealthy cravings or hunger, leading to weight gain and even obesity. When a person reaches their necessary REM (rapid eye movement) cycles, their body can sufficiently serve the peptides and healthily regulate appetite.
The founder of Fatigue Science states that sleep is as essential to the body as food and water. In other words, people should stop sacrificing sleep and aim to productively rest by following these tips to better sleep.
How to Sleep Well
Entrepreneurs, college students, and anyone with a busy schedule are familiar with the importance of time efficiency. Approaching sleep with a time-efficient mindset will set anybody up for better sleep success and health results.
Try sleeping in colder temperatures between sixty and sixty-seven degrees for those who toss and turn in their sleep. Finding warmth under covers and amidst pillows will help settle the body for a good night’s rest.
During the day, avoiding caffeine after noon while fitting in thirty minutes to one hour of sweaty exercise will greatly assist in reaching those REM stages when it is time to sleep. And with the mention of time, scheduling a bedtime that stays the same regardless of the week’s day will establish a regular sleep-wake cycle, leading to fewer all-nighters and more effortless and healthy sleep.
On stressful days, even after establishing a sleep-wake cycle, adding time for a bedtime yoga routine or meditation will relieve tension that negatively affects sleep time.
About Bryn Carden
Bryn Carden is a versatile young entrepreneur with a deep sense of compassion and the desire to help make the world a better place. In 2017, she founded Styles for Smiles – a company selling bracelets to support the Smile Train Organization. The proceeds from selling Bryn’s designs have already helped fund cleft palate repairs for 16 children in developing countries.
Lifestyle
Nancy Mello is a psychic/clairvoyant who wants to understand the science behind her abilities
Nancy Mello is a psychic, animal intuitive, and clairvoyant based in Connecticut who believes that both science and spiritualism should coexist. Through her work, Nancy has seen the incredible benefits that being able to connect with “the other side” brings to her clients.
The fact that there is no current scientific explanation for Nancy’s abilities leads many to dismiss her as a liar, something which is very hurtful for the mother of 2. Nancy is always worried that her children will be teased/bullied because of what their mother does for a living.
The truth is Nancy knows her abilities are real and has been able to produce amazing results for the people she’s worked with. While this evidence is all anecdotal, Nancy believes it’s a great starting point for more research to be done to understand her abilities.
Nancy’s end goal is to help fund research into her abilities so that people (herself included) can get a better understanding. She has even flagged she would be willing to undergo CAT scans of her brain to figure out what synapses are firing differently for her than other people.
All of this is reflective of Nancy’s sincerity in what she does. She never seeks to scam or rip people off – she seeks to use her abilities in an honest way to give her clients the answers they are looking for.
Whether she is helping a daughter connect with her deceased father, or helping a family find a lost pet, Nancy gives 110% of herself to the task. Nancy admits that it can sometimes be exhausting doing what she does, but she cleverly spaces out her readings so that she never gets overwhelmed.
Hopefully, one-day science will be able to advance enough that we have full-understanding of the abilities of Nancy and others like her.
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