Keep Finances from Ruining Relationships

When you love someone as much as your partner, fiance or spouse, you can’t imagine anything ever tearing you apart, especially something as superficial as money. However, it happens more often than you think. Although money can’t buy happiness or love, it is necessary to survive everyday life and accomplish goals. Ultimately, when things are out of order, it can cause frustrations that can strain a relationship.

Saving isn't easy, but its possible with a partner that motivates you. (Photo: iStock)

(Photo: iStock)

How do you keep your finances from ruining a relationship? Here are a few tips:

Have an open and honest discussion

A healthy partnership requires honesty and open communication. No matter your financial status, you must disclose this information to your significant other. If you dread “money conversations,” consider turning it into a quiet date night at home. You can enjoy a meal, share drinks, listen to music and discuss business.

Don’t just talk about what is in your bank account or how much you earn. Discuss your outstanding debts and financial habits. Lastly, discuss your goals and things you would like to accomplish that will require money.

Share banking information

It isn’t uncommon for modern couples to have separate bank accounts. However, making your accounts accessible to your partner can make it easier for you to remain on the same page as you manage your money and reach your goals. You can view balances, transfer funds, track your spending, pay household bills and add to your joint savings to build a nest egg.

Although there are many banks to consider, opting for a modern bank like ONE is ideal. They offer a unique budgeting resource called Pockets. These sub-accounts can be customized to correlate with your budget and expenses. You can give your partner shared access so you can both stay on top of your finances.

Take care Of personal debt

Debt isn’t a bad thing. However, when you have too much, it can cause financial strain in your everyday life. Therefore, it is ideal to keep your debt to a minimum. If you have sizable student loans, back taxes, medical bills or credit card balances, you might need to create a plan to tackle your debt. First, review financial reports, statements and invoices to determine how much outstanding debt you have. Then, develop a repayment strategy to eliminate or reduce the debt. Share your repayment strategy with your significant other so they can be your accountability partner and provide support where they can.

Build an emergency savings

When unexpected events require a large sum of cash, having an emergency fund can save you a lot of trouble. It eliminates the need to borrow from loved ones or take out a loan. Ideally, you and your partner should have at least three to six months of expenses in an account, just in case. You can work towards that by committing to an affordable monthly amount to deposit into savings.

Assign roles based on strengths

Money management isn’t easy, especially when trying to manage two people’s finances. Therefore, assigning responsibilities based on your financial strengths and weaknesses may be best. For example, if you are good with budgets, you could be responsible for creating the budget every month. If your partner is good at saving, ask them to take charge in ensuring you reach your goals and stick to your saving commitments.

Take financial courses

If neither of you is well-versed with financial management, there are plenty of ways to learn. Many financial experts offer money management courses that teach couples everything from creating and applying a budget to debt repayment and investments. You can use these courses to learn about an abundance of tools that can help you improve your finances and sustain your relationship.

Love is complicated. Safeguard your love life by considering the advice above to make sure that finances don’t become one of the complications that throw things off track.

Article w4itten by Alicia Nicholson

6 Art Galleries You Shouldn’t Miss in D.C.

Washington D.C. is a city filled with art and culture. From the world-renowned museums on the National Mall to the fantastic art galleries in Georgetown, there is something for everyone who loves the arts.

If you are a museum connoisseur and want to donate some of your own pieces, be sure to protect your art pieces by putting them in a reliable storage facility. One of the leading art collections storage facilities in NYC, CFA can take care of your pieces from anywhere in the world.

The National Gallery of Art, West Building (Photo: Richard W. Longstreth)

The National Gallery of Art, West Building (Photo: Richard W. Longstreth)

National Gallery of Art

The first art gallery on our list is the National Gallery of Art. This world-renowned museum is home to some of history’s most famous paintings and sculptures. From the Renaissance masterpieces in the west wing to the modern art in the east wing, there is something for everyone at this incredible gallery.

If you are looking for a place to see some amazing art, the National Gallery of Art is the place for you.

The National Gallery of Art is located at Sixth Street and Constitution Ave NW.

The Phillips Collection

The next art gallery on our list is the Phillips Collection. This gallery is home to an incredible collection of Impressionist and Post-Impressionist paintings and works by American artists such as Georgia O’Keeffe.

The Phillips Collection is also one of the most intimate art galleries in D.C., making it a great place to spend an afternoon.

The Phillips Collection is located at 1600 21st Street NW.

The Hirshhorn Museum and Sculpture Garden

The Hirshhorn Museum and Sculpture Garden is one of D.C.’s most unique art galleries. The museum is home to a diverse collection of contemporary and modern art. The sculpture garden’s extensive collection of outdoor sculptures is also a must-see.

The Hirshhorn Museum and Sculpture Garden is located at Seventh Street and Independence Avenue SW.

The Smithsonian American Art Museum (Photo: Ken Rahaim)

The Smithsonian American Art Museum (Photo: Ken Rahaim)

The Smithsonian American Art Museum

The Smithsonian American Art Museum is one of the largest art museums in the United States. It has a collection of more than 36,000 objects, including paintings, sculptures, prints, drawings, photographs and folk art.

The Smithsonian American Art Museum is located at Eighth and G Streets NW.

The National Portrait Gallery

The National Portrait Gallery is one of D.C.’s most famous art galleries. The gallery houses a collection of portraits of American presidents, first ladies and other notable Americans. The gallery also has a growing collection of contemporary art, including work by artists such as Chuck Close and Andy Warhol.

The National Portrait Gallery is located at Eighth and F Streets NW.

The National Museum of Women in the Arts

The National Museum of Women in the Arts is one of the only museums in the world dedicated solely to women artists. The museum has a collection of more than 5,000 works by more than 1,000 women artists from the 16th century to the present.

The National Museum of Women in the Arts is located at 1250 New York Ave. NW.

This is just a small sampling of the fantastic art galleries that call Washington, D.C. home. So next time you are in town, make sure to leave some time to explore these incredible institutions – your inner art lover will thank you.

And if you are looking for a place to store your own art collection, be sure to contact CFA, one of the top art collections storage facilities in NYC.

Article written by Maria Briggs

Summertime is perfect for organizing your garden and implementing sustainable gardening practices. If you want to make your garden more eco-friendly, you can do a few things to reduce your environmental impact. This article will discuss five of the best sustainable gardening tips you should be doing this summer.

A flower garden (Photo: Jade Seok/Unsplash)

(Photo: Jade Seok/Unsplash)

Plant a sustainable garden

A beautiful garden is a wonderful thing It can provide a place for you to relax and enjoy the outdoors, and it can boost your property value. However, a sustainable garden is even better. Not only will it be just as lovely as a traditional garden, but it will also help you to save money and protect the environment.

Sustainable gardens rely on natural methods to keep pests and diseases in check, such as companion planting and beneficial insects, which means that you will use fewer harmful chemicals, which is better for your health and the environment. By planting various native plants, you can create a habitat that supports local wildlife, benefiting the animals and making your garden more beautiful as you attract butterflies, birds and other creatures. A sustainably landscaped yard is sure to impress your neighbors.

Use organic gardening methods

Organic gardening methods do not rely on synthetic chemicals to grow healthy plants. Instead, organic gardeners like Victoria Gerrard La Crosse use crop rotation and companion planting techniques to promote plant health. One of the main benefits of organic gardening is that it helps build up soil quality over time. Unlike synthetic fertilizers, organic amendments such as compost helps improve the soil’s structure and fertility, leading to healthier plants that can withstand pests and disease. In addition, organic gardening is better for the environment since it does not contribute to pollution or the development of resistant pests. For these reasons, organic gardening is the best way to keep your plants healthy and thriving.

Install a rain barrel

Many people are familiar with the benefits of rainwater harvesting, but they may not be aware of the many ways it can be used. One way to harvest rainwater is to install a rain barrel. A rain barrel is a container that attaches to your downspout and collects rainwater as it runs off your roof. This collected water can water your plants, wash your car or even top off your pool. Rain barrels are an easy and efficient way to collect a large amount of water and can be used in urban and rural areas. In addition, rain barrels can help to reduce your water bill, as well as your carbon footprint. So, if you are looking for a way to save money and help the environment, consider installing a rain barrel at your home.

Choose native plants

Choosing native plants is essential for many reasons. One of the most important reasons is that they don’t require much water or maintenance. Native plants are adapted to the local climate and soil, so they don’t need extra water or fertilizer to thrive. They also don’t require as much pruning and deadheading since they naturally grow in a way that looks tidy and attractive. Additionally, native plants support local wildlife, providing food and shelter for birds, bees and other animals. By choosing natives, you can create a beautiful, low-maintenance and eco-friendly landscape.

Compost your food scraps

When it comes to creating nutrient-rich soil for your garden, composting is an excellent way to go. By composting your food scraps and yard waste, you will be able to add essential nutrients and organic matter to the soil, which will help your plants grow healthy and strong. Composting is a simple process that involves breaking down organic materials into their basic components. It can be done through commercial composters or by creating a compost pile in your backyard. As the organic materials break down, they produce a nutrient-rich mixture that can be used to enrich the soil in your garden.

Summer is the perfect time to get outside and enjoy your garden. By following these sustainable gardening tips, you can create an eco-friendly, beautiful landscape. Planting a sustainable garden will help the environment and save you time and money in the long run. Get started on your sustainable garden today.

Article written by Maria Briggs