Money, money, money! This is one of the main reasons why couples argue and fight, and when the differences become “irreconcilable”, the couple can face marital breakdown. In fact, finances are a hot topic for couples undergoing marriage counseling. Especially in today’s challenging economic times, couples face strained married relationships due to concerns about saving, finances, keeping a job and investing.
Money and how the family’s finances are handled can be a source of arguments and bitter disagreements. The problem with money is that based on your upbringing, personal experiences and personality, it can mean a lot of different things. Money can be viewed as a source of enjoyment, security, love, control or power. That is why two people (who have different backgrounds and personalities) living together “as one” will eventually have to tackle money problems.
Here are some reasons why couples fight about money:
– Couples may not have the same financial upbringing. One may enjoy spending money like there’s no tomorrow while the other feels it’s important to establish a savings account.
– One partner feels annoyed or betrayed about the other partner’s money habits.
– One partner feels that he or she has little control concerning the finances.
Before things head for serious problems, you and your partner should sit down and discuss matters. Communicating (and coming to an agreement) about money is the first step toward putting your family’s finances in order.
Below are some tips to help you succeed with the “money talk”:
– Discuss money when emotions are not high. It is best to set a “neutral” time where the atmosphere is relaxed and there are no pressures about money in the offing. Don’t wait for a money issue to come up before you invite your spouse to talk about money, especially if you’re already holding the credit card bill or the unbalanced check book.
– Communicate. Try to uncover your spouse’s feelings and views about money. To do this, you may have to start by sharing your own feelings and thoughts on the matter. You may need to discuss your family background (how your parents handled money), your financial goals and aspirations. This may also include a discussion of what level of saving/spending you feel comfortable with.
– Set guidelines. Agree with your spouse about guidelines as to how and when you will discuss money matters. For instance, you can agree that you will not discuss money in public, in front of your children, while you’re in bed or driving in the car. You can also agree to avoid the use of words such as “you never” or “you always”. A non-attacking approach using I statements (i.e. “I feel” or “I think” should be used instead. You can agree not to make threats during money discussions such as “If you spend this much, I will divorce you.”
– Make agreements on how to handle money. Who pays for which expenses? Will the money be pooled together? Who handles bill payments and bookkeeping?
– Set goals. Identify short term and long term financial goals for your family. Long term goals cover where you want to be financially in five years, ten years. Your long term goals may include saving up for a child’s education, saving a certain amount of money as down payment for a dream house, saving up for a dream vacation, or paying off certain debts. Short term goals may include setting up a weekly budget and a plan on how to stick to it, opening a savings account, getting rid of a credit card and so on.
– Agree to be accountable. Marriage is a partnership and each spouse is accountable to the other as they together work to meet the financial goals they have set. This does not necessarily mean that you have to report to your spouse on every dollar you spend. However, this does mean that you should not keep spending secrets from your spouse.
– Get some help. If your money arguments seem to be circling around without getting resolved, it may be time to get a third party to help. A marriage counselor can do a lot to help you as a couple to sort out money issues you may be struggling with.
Marriage Counseling and how it can help
An emotionally charged topic such as money can set off bombs in the relationship. An experienced marriage therapist can equip couples with vital tools to help them deal with key financial issues. This includes hashing out the differences in each spouse’s financial outlook and attitudes. The family counseling sessions can uncover damaging financial habits and outline the path towards freedom from these habits.
All kinds of problems can stem from financial problems. In some cases, one of the marital partners may have sought temporary help from drugs or alcohol in order to alleviate the burden of financial problems. A substance abuse counselor is helpful in discussing issues such as these, as well as any sex-related problems in the marriage.
For those located in Provo, Utah who are searching for a licensed and experienced therapist to help with any of these issues, call Triston Morgan. He is a professional marriage and family therapist in the state of Utah. For years, he has helped couples, families and teens recover from many types of problems and emerge stronger as a unit.
Triston Morgan has a master’s degree and PhD in marriage and family therapy from Loma Linda University and Brigham Young University, respectively. He is licensed to provide PREPARE/ENRICH courses that can help to prepare couples for a long and happy marriage in the Provo, Utah area.
Most families are so busy these days with activities like the daily drive to and from school, hopping from school to ballet lessons or hockey practice, making cookies for the school bake sale, cooking meals, getting a haircut for your son and checking up on the children’s homework. Whew! A parent’s work is never done!
Add to these activities a career, the need to exercise and stay fit, occasional social obligations, personal time and soon you may find that your marriage is suffering. In order to keep a marriage strong and healthy, some marriage therapy sessions may be needed.
Some families also require family counseling occasionally simply because they have not had quality time to spend together and communications have broken down. Relationships in your family are so important but many families don’t have the needed time to spend with each other in order to build strong ties.
Each relationship in your family is a bit different. The relationship between husband and wife, the parent and child/children relationship and the one between the siblings. There is often a need to strengthen the bonds between these various relationships. It may be complicated, but we can and should make time for family time. There should also be time set apart for the individual to grow in his or her own interests. The important thing is to strike a balance between time together as a family and time for each individual family member’s own set of activities.
One way for your family to do so is learning how to manage your time. The good news is, there are some ways for you to get a grip on all those activities that are robbing you of time. Here are some simple time management strategies:
– Know what activities each individual family member likes. To minimize a steady string of activities that all family members may not enjoy, it is best to ask each person what his or her idea of “family time” looks like and what events or activities give them a sense of connection with the family. It may be something as simple as preparing and eating meals together, telling stories by the fireplace, watching a movie or going to the beach.
– Insist on non-negotiables. What are your priorities as a family? Are you committed to having a minimum number of family dinners together or Sunday family time?
– Establish ground rules for activities. Call regular family meetings to determine individual activities based on the goals and ground rules you have established as a family. Activities should be based on what each individual family wants to do, how it will fit into the budget, the level of commitments the family has and the activity’s impact on the whole family. It should also take into consideration how it will affect your time for other things like school or work and whether there is a balance between other activities.
– Post a Family Calendar. Once everyone has chosen their schedule for a specific period, post these schedules on a large calendar for everyone to see. Make sure to leave some empty spaces on the calendar. These teach children how to be creative in keeping themselves occupied as they discover how to fill these “empty slots” with something they enjoy.
– Schedule family time. While everyone is busy with their own activities, time together should never be neglected. Family time can be made up of “do-nothing” days, where family members simply spend time walking the dog, playing table games, shooting hoops and so on. It can also be a family outing to somewhere special.
– Schedule couple time. Parents must also have date nights and time spent as a couple. Don’t fall into the trap of feeling guilty that you spend time together without the children. When you take time to strengthen your relationship as spouses, your children will be the better for it. If there are problems that you and your spouse have to face, you can also ask outside help from a third party such as a marriage counselor.
Making Time for Therapy
Family relationships may be a challenge for some due to unique situations. There may be problems that arise requiring some therapy. A substance abuse counselor may be necessary to deal with a teen who has started “trying out” smoking, alcohol or drugs. Couples counseling could also be useful for spouses that are undergoing problems in their relationship. As it is important to make time for other enjoyable family activities, it is also important to make time to work together to fix problems that may be affecting the marriage or family relationship.
For the residents of Provo, Utah, family counseling is available from Triston Morgan for family counseling. Triston provides a non-confrontational atmosphere for loved ones to work through issues that may be damaging to the family relationship. He can also provide invaluable time-management tools for parents to use for the family’s benefit. Triston has years of experience with couples and families and holds a license to practice marriage and family therapy in Utah.
Perhaps it all started with one sip or one puff. Then come the reasonings:
- The other kids do it as well and they look so cool.
- I couldn’t say no to my friends.
- They said that Ecstasy is a great way to party.
- I thought I could stop and get out anytime I wanted.
Sadly, substance abuse is growing into a major problem for teens. Teens are trying a whole list of substances – tobacco, alcohol, marijuana and even progressing on to more dangerous stuff like cocaine and heroin.
Based on findings from the 1998 National Household Survey on Drug Abuse, young people ranging from 16 to 20 comprise a whopping 36.3 percent of current illicit drug users. What’s more, there are over 1 million teens aged 12 to 17 that can be considered dependent on illicit drugs and close to a million dependent on alcohol. There are also over 10 million young people ages 12 to 20 that drink alcohol with almost half considered to be binge drinkers.
This is every parent’s nightmare – to see their healthy and dynamic child being held in the grips of substance abuse. Substance abuse results in increased vulnerability and risk for teenagers. Not only are their mental and emotional health impaired, it also makes them more prone to be involved in risky behaviors. These include being involved in traffic accidents (some resulting in death), risky sexual behaviors (i.e. sex without protection, having sex at an early age), and delinquent behavior at home and in school and involvement in criminal acts.
Knowing the signs of substance abuse
Parents must be vigilant to the changes taking place in the lives of our teens. We may sometimes make the mistake of thinking that the changes in behavior are just part of a phase. We also may be too busy with our own lives, so that we don’t notice these signs in our teens. Changes in the behavior of your teen may point to substance abuse, especially if the behavior seems more than a phase and lasts for weeks or is sudden and extreme:
– Sudden decline in school performance, reports of truancy or delinquency
– Discipline issues at school
– Changes in overall attitude, temper outbursts that are unusual
– Extreme reactions, flare-ups, unexpected aggression to the point of being physically or verbally abusive to others
– Disinterest in activities and hobbies that he had previously enjoyed and regularly indulged in, withdrawal from family and other social activities
– Avoids bringing friends over; changes in circle of friends
– Nervousness and secretiveness (although being secretive can also mark a teenager’s desire for increased privacy)
– Being extremely sensitive to inquiries about where he’s been and what he’s been doing
– Decline in hygiene and grooming habits
– Tends to wear sunglasses, even at occasions and places where they’re not called for
– Declining concentration and forgetfulness
– Change in wardrobe, especially the tendency to wear long-sleeved shirts (even during warm or hot weather)
– May start asking you for money for “projects” or may start borrowing money from siblings and friends
– Items in the home that mysteriously get “lost”
– Breaking the curfew
– Having drug-related paraphernalia on their person (such as pipes, needles, syringes and so on)
Getting help for Substance Abuse
It is important to recognize the signs and to act quickly. The longer the teen uses these substances, the more difficult it will be to break free from them. One way to get help is to work with a substance abuse counselor. Substance abuse counseling sessions will help the teen identify and recognize the fact that there is indeed abuse. Then the counselor will lead the teen to the realization of consequences of the substance abuse and provide a path to finding alternatives to it.
Parents may also need to get family counseling as they struggle to deal with their teen. Substance abuse counseling can provide parents with crucial tools to help them support their teens during this difficult time. Even when teens are unable or unwilling to attend counseling, couples counseling can help parents control their reactions as well as apply intervention measures and strategies to help the teen break free from the substance abuse.
To help you during this time, you need a therapist who understands what you’re going through and who has extensive experience dealing with troubled teens. Triston Morgan is one such therapist. He has spent years helping Utah teens combat addiction. This includes acting as a therapist in Utah in rehabilitation clinics, wilderness therapy programs, community therapy centers and residential programs. Triston is also a licensed marriage and family therapist and holds his practice in Provo, Utah.
How do you treat mealtimes in your family? Do you take time to sit down and have a meal together? Or, are you becoming swept away by the chaos of everyday activities? Many families are in this situation: each family member runs through the kitchen and gets himself something to eat when hungry and they rarely sit down at the table and share a meal together. Well, you are not alone. The results of a research study by the University of Minnesota (through their Family and Social Services Department) showed that there is a 33% decline in the number of families who have family dinnertime as part of their routine.
Dinnertime: More than just eating
Mealtimes are not just about getting the necessary nutrition for you and your family. It’s actually a great opportunity for families to build stronger bonds. Mealtimes are also one effective way to center your family, to establish structure and stability for family members.
Here are some benefits of having regular family mealtimes:
– Establishes routines and stronger family bonds. Family dinnertime can be a ritual that enriches the lives of each family member. Families who eat together have more opportunities to identify problems that children, especially teens, face. Parents can more easily intervene and help. With regular times spent around the table, everyone has the chance to talk about what happened to them during the day and listen to one another’s stories. As a result, families build stronger bonds with each other.
– Serves as a vital teaching tool. Family dinnertime teaches young children table manners and conversation etiquette. It helps children learn how to hold a conversation with adults and also develop a stronger vocabulary as they listen to adults use words during the conversations.
– Helps develop healthy lifestyles. Regular family dinnertimes are occasions for healthy and nutritious meals. Here, children learn how to eat (and enjoy!) vegetables and other healthy food. This is where you can also introduce new food without the child feeling that “those yucky vegetables” are being forced on them. Family mealtimes also do much to help prevent eating disorders in children. This is because having healthy (and delicious) food served during dinner time wards off the misconception that “eating healthy” is about eating food you hate while avoiding food you enjoy. In addition, eating together helps parents control the portions of the food being eaten. Portions of foods in fast food places and restaurants are increasing and these foods invariably are less healthy.
– Helps make kids less vulnerable. According to the National Center on Addiction and Substance Abuse (CASA) at Columbia University, teens are less likely to experiment with smoking, alcohol and drugs. In addition, kids are more likely to say no to premarital sex and be less vulnerable to depression. Teenagers who have less than three family dinners a week are found to be more susceptible to peer pressure.
Make time for Family Dinners
Here are some tips:
– Keep it light and happy. Dinnertime with the family is not the place to make criticisms about other family members or discuss discipline or serious subjects. It’s a time to share what happened to each family member throughout the day. Ask questions like, “So what did you do today?” or “How was your day?”. Dinners don’t have to be formal affairs, nor does it entail a gourmet meal. It can involve something as simple as eating Chinese takeout or a pizza together.
– Set a time for family mealtimes. As you set a time for family meals, keep each other’s schedules in mind. Set up a way to call all members to the table so that you avoid any wrangling and discussions about family members coming to the table late. Mind you, it does not have to be an evening meal. What matters is that family members understand that this is an important time for the family to be together. You can have a late Sunday brunch together or a quick breakfast before you head off for the day.
– Shut out distractions. Allow the answering machine to take phone calls. Turn off the television so that the family can focus on each other.
– Keep each other company. Even if parents need to eat out, this does not mean that children should eat by themselves. As much as possible, join your child at the table, even if it’s just to give your child some company while he or she eats.
– Share in the dinner chores. Assign tasks to family members, including dinner preparation, setting the table and cleaning up after. Get kids involved in preparing the food.
– Don’t let your teens stay away from dinner. Even if it means having a grumpy teen at the table, insist on having each family member present for dinnertime (unless there is some acceptable reason why a member is absent).
– Don’t let mealtimes be a battle over trying out new foods. Encourage your kids to try out the broccoli and the peas but don’t engage them in battle over it.
– End the meal together. Don’t let anyone rush in and out of the dinner table. You as a parent should be the one to indicate when the meal is over.
Making time for family dinner can be a challenge but it can be done.
When intervention is necessary
Family dinnertimes are helpful in keeping children and teens grounded, but there are times when intervention is still necessary to strengthen family bonds and help a child break free from harmful behaviors. A substance abuse counselor will be helpful when your child is battling against drugs, smoking and alcohol.
In cases where there are key issues that a family needs help with or damaged relationships that need healing, the family members should consider family therapy sessions. These sessions can help members of the family work to strengthen relationships as they grow as individuals. Couples who are undergoing problems with their relationship can also go for marriage counseling.
This is where Triston Morgan can help. Triston is a licensed marriage and family therapist who practices in Provo, Utah. He holds a Master’s Degree in marriage and family therapy from Loma Linda University (in California) and a PhD from Brigham Young University (in Utah). He provides couples counseling and ENRICH/PREPARE courses for engaged and married couples.
Tragedy strikes when we least expect it and the loss may turn your world (and your family’s) upside-down. This is particularly true with the loss of a loved one. Pain and grief comes to the family and hits hard, especially to children. Children often feel it more intensely and may have a harder time recovering from the loss. How do you deal with the grief and the pain? How will you help your children who are looking to you for stability and security?
Dealing with Grief and Loss
Here are some reminders to help you as you deal with grief yourself and also try to muster up the comfort that your children may need during this difficult time.
Make time for your grief. The process of grieving takes time – there may be even some instances when you feel that the grief will just not let up. The time immediately after the death of a loved one may be a busy one – there is the funeral and burial to be arranged, well-wishers and mourners to be looked after. However, you should give yourself and your family time to sit down and grieve. Acknowledge your feelings – don’t suppress them.
Grieve in your own way. People grieve in different ways. As long as you are not doing anything hurtful or harmful to you or to others, you can choose to grieve in your own way. Don’t allow anyone to set a timetable for your grief or tell you how to feel. In the same way, don’t push children to overcome their grief within a certain timetable.
Realize that it’s normal to be angry. Anger is a part of the process of grieving. Your children may go through a period where they express anger at what has happened that resulted in the tragic loss of a loved one. Don’t belittle or deny the child’s feelings but reassure him or her of your presence at this time.
Be alert for damaging behaviors. Even though grief comes in different forms, there are healthy ways to grieve and there are ways that are not so healthy. Damaging behaviors include turning to substance abuse to numb the pain. In the same way, you should also be on the lookout for damaging behaviors or methods of grief that your children may try to employ.
Don’t go at it alone. Turn to the company of loved ones and friends and say yes to help when it is offered. Instead of avoiding offers of help from loved ones and friends, tell them what you need. Sometimes people want to help out but are not really sure about the best way to do it. You can also join a support group, which can be a healing experience as you share and relate with people who have gone through the loss of a loved one themselves.
Be there. Let your children know that you are there to help them. Spend time talking to them every chance you get. Be gentle as you ask questions, probe their thoughts and help them put their feelings into words. Listen and validate their feelings. Accept their feelings. Reassure them of your presence and love.
Share how you cope. Discuss how you cope with your feelings of sadness, uncertainty and fear. If this means drawing comfort from your faith, involve your children in the mourning rituals that are followed by a certain faith. If this means trying to express your feelings using a creative or physical outlet, involve your kids as well. For instance, if you want to make an album about your lost loved one, encourage your children to help out.
Seek help. You and your family may need to seek family counseling to help process your grief and be equipped with tools to positively respond to your and other family members’ grief. Sometimes, unresolved grief can cause a family member to turn to alcohol and drugs. In this instance, it may also be wise to see a substance abuse counselor.
Avoid making big changes in your family life in the immediate future. As much as possible, try to provide a familiar environment for your child. Avoid major changes that your child will need to adjust to on top of the grief he is dealing with.
Family Therapy to Help Cope with Loss
Grieving over a loved one is a process that one has to go through in order to heal, move on and be happy again. This time in the family’s life may be stressful – and the emotional and mental stress it brings may also take a toll on one’s health. Family therapy may help grieving family members cope with the loss.
Oftentimes, when family members are focused on dealing with their own hurts, it is hard to “be there” for others who may need their reassurance and support. A good family therapist or counselor will help families deal with loss, anger and grief. He will map out a strategy as to how the family can move forward along the process of mourning and help the family utilize positive memories and emotions to heal and move forward.
One such therapist is Triston Morgan in Provo, Utah, who has extensive experience in helping families heal from tragic losses. He has also served as a Utah substance abuse counselor, dealing primarily with troubled teens. He is a licensed marriage and family therapist who provides a non-confrontational atmosphere by which people can deal with their grief and other issues.