GETTING INTO DEBT

Here’s a five-step approach to developing the right checking-account and bill-paying arrangements for your marriage.As a couple, discuss how much money each of you needs to maintain independence and to keep up with your personal expenses.
Talk about your individual talents and skills. Is one of you more adept at math and account-keeping? Would one of you feel dependent if all bill paying were left to your partner?
If you determine that you’ll share bill-paying responsibilities, make a preliminary allocation of bills to each spouse. Remember that a 50-50 division won’t work unless income is also divided 50-50. Instead, try to work out a system that maintains a proportional allocation: The percentage of the total amount to be paid by each of you is roughly equivalent to the percentage of total household income contributed by each of you.

If your debt obligations are 25 percent or less of your takehome pay, you're in good shape. If they're between 25 and If they're over 35 percent, you're headed for serious trouble or may already be there - you must move quickly to reduce debt. The 33.3 percent in the sample formula, therefore, is not yet catastrophic but is well into the "time to get serious about debt" range.
On a card or piece of note paper, write your current percentage, and then write next to it the percentage to aim for (25 percent or less). Write today's date on the card, and write down how long you think it will take you to achieve your goals. (Don't worry, you can always revise this estimate as you progress.) Place it somewhere you can see it regularly to help you keep your goal in mind.

It's possible that you played no part in the accumulation of debt - you may have inherited it from others or acquired it as a result of circumstances beyond your control, such as a serious illness or a natural disaster. In that case, you simply need to address the mechanics of paying bills and rebuilding credit using the technology. With a few money-saving and debt-retiring strategies, you may find yourself in a stronger position than before your debts accrued.

Most people, however, have a pattern of debt - a series of behaviors that get them into the hole. The more uncertain you are of how you got into trouble, the more likely it is that you'll need to change some of your behaviors. This exercise helps you determine how you got into debt. You need to be really honest with yourself for this to work. If you've run up thousands of dollars in credit card debt, don't call it "bad luck." Get a sheet of paper and start to write down behaviors or triggers that get you into trouble. Don't judge yourself or your debts as you write. Simply write down everything that's fueling your debt.

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