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Christmas so that in December, you ll already have what
you need for gifts already saved up. Likewise for annual
insurance billings (like for the house) or for any other
annual billings.
I. See if you can trade services with others. For example, if
you have a computer and can toss up a decent web page
maybe you can create web pages for small business in the
area in exchange for gift cards to use in their stores.
J. Sell some of your stuff  try online auctions, garage sales,
cheap classifieds, bulletin boards around town&
K. Resist the urge to  immediately fulfill a want. Instead,
keep a list going of  wants. If an item has been on there
for a year, for example, then begin shopping for it. Look
for bargains, try to trade for it, negotiate for a better deal.
Waiting generally means you ll really want it more (or not,
and cross it off your list) and will actually USE it when you
get it and not just toss it in a pile with other unopened or
hardly used things that you just HAD to have.
L. Check out library books like:
The Cheapskate Monthly Money Makeover, by Mary Hunt; St.
Martin's Press; Reissue edition (March 1, 1995).
Miserly Moms: Living on One Income in a Two-Income Economy, by
Jonni McCoy; Bethany House Publishers; 3rd edition (October 1,
2001).
The Complete Cheapskate: How to Get Out of Debt, Stay Out, and
Break Free from Money Worries Forever, by Mary E. Hunt, Mary
Hunt; St. Martin's Griffin; 1st edition (August 1, 2003).
Self-Help Guide
Self-help to help your relationship improve, here are some exercises to
take by yourself and share with your mate. Take them slow and
steady, at your own pace. Have fun with them. (There are no grades!)
Instructions: Jot your replies down on paper if you like or in a private
 couple s journal fur future reference. Add to them, modify them, edit
them as you d like. The key is to have fun, learn more about yourself,
your mate and your relationship together, and grow.
Exercise A: List your three best traits. Then list your mate s top three
traits you admire.
Exercise B: List the top three areas in your life that you would like to
work on improving. These can be any range of things from improving
income to education to giving more, losing more weight, being less
shy, etc. Then list the top three areas in your mate s life that you d like
to see improved.
Fill in the blanks, and then have your mate reply to the same
questions. Take turns reading your replies and learning more about
each other:
Regarding my appearance, I think I am _____________________
A funny thing that happened to me was _____________________
One place I would love to visit is ____________________________
If money was no object, I would buy _________________________
A person who meant a lot to me while I was growing up is
___________because ______________________________________
A major lesson I learned in life is _____________________________
If I could have any job in the world, it would be __________________
A hero of mine is (can be fictional) ____________________________
If a dream could come true, I d like ___________________________
One way I d like to give back would be ________________________
On a personal note, here is where I would like to be:
1 year from now:___________________
3 years from now: __________________
5 years from now: ___________________
As a couple, here is where I d like us to be:
1 year from now:___________________
3 years from now: __________________
5 years from now: ___________________
One things about you that makes me smile is ____________________
I ll always remember this about you ___________________________
Exercise: List what you feel is good about your relationship.
Exercise: List what you feel could use work / improvement in your
relationship.
Exercise: How could you help improve your relationship? And how do
you think your partner could help improve the relationship?
Reply:
1. What is the best memory that comes to mind about your mate?
2. What do you see in the future for your relationship: Location?
Jobs? House? Pets? Children? Travel?
3. What fun things would you like to try and do with your mate
more (Ballroom dancing? Gourmet cooking? Snow skiing?
Other?) When will you schedule one of these new things?
In summary, since the latest reports show that just about anyone
and everyone can learn the important social skills needed for
relationship building, use what you can of this guide and its resources
mentioned to focus on your own Healthy Relationships. Be alert to
possible problem areas, and take action to improve your life.
Addendum: Generic Budget Worksheet
Monthly Budget Guide Amount
Income
Person A:
Employment net income
(after taxes)
Other income
Person B:
Employment net income
(after taxes)
Other income
TOTAL INCOME
Amount Budgeted
Mortgage / Rent
Cable / Internet Access
Cell Phones
Utilities (gas, electric, H2O)
Phone (landline)
Groceries
Insurance
(Car/Home/Life)
Car Payment
Auto Insurance
Gas
Misc (car maintenance, clothes,
entertainment, emergency, etc.)
Credit card payments
Savings / Investments
Other expenses
TOTAL EXPENSES
INCOME  EXPENSES: [ Pobierz całość w formacie PDF ]