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The effects of financial problems in marriages
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Getting married and starting a family is something you look forward to your whole life, depending on whether you get married before your career takes off or after. "I think that people should wait until they have graduated college or have decided what they want to do with the rest of their lives before they make the commitment of spending the rest of their lives with a person," says Jason Supplee in the article, Students Question Young Marriage (Rodriguez). When you are finished with college and have a job, marriage can be a less stressful commitment when there is less to worry about. Waiting to get married and start a family after you have established your career can benefit from stability in your career, financially, and emotionally.
Stability in your career can be very beneficial for both you and your partner. Overall, if you have stability in your career, you do not have to worry about schedule changes. When you have been working at a place for a while, you get a set schedule, whether it is first, second, or
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Having your finances together can help a lot when you first get married, especially things like finding a house, cars, bills, and more that comes along with the necessities of life. In the article, Students Question Young Marriage, Dilara Esen says, “Students are rarely financially stable enough to be able to handle marriage without working full time and abandoning school” (Rodriguez). If you are still in college and married you will have to work a full time or part time to pay for college expenditures, plus other bills. This would be finances that you would not have to worry about when you are finished with school and set in your career. Yes, you might have some student loans you still have to pay off, but you may could get some of that forgiven and you would be making enough money in a stable career that you went to college to pay them
Most kids that have graduated high school have never been educated on the subject of personal finance, so they don’t know things like how to pay bills, or even how to do something as simple as applying for a job. According to a family friend of mine, Ron Hart; who happens to also be an award-wining author and TV/radio commentator, believes that students in high school don’t learn anything about how to get a job or get prepared financially. He states that, “ Students should prepare for a job. Maybe, instead of taking a fifth field trip to the Trail of Tears site, do one to learn about real jobs in an area they might want.” Hart believes that most basic high schools aren’t teaching students how to become financially stable for their future, which can cause major issues. He claims that “few schools teach about the value of hard work, ingenuity, gumption and entrepreneurship. Those lessons are as rare as Donald Trump bumper stickers in the faculty parking lot.” Hart also goes on to talk about how high school does not prepare you for life the same way college will. There are so many more lessons to learn there that people are missing out on. College is very important due to the fact that it will teach students more skills about finance and job seeking that most high schools don’t. In college, kids will learn how to save and budget their money, pay for their own expenses, and prioritize their needs verses their wants. Learning financial responsibility is also something that kids will carry with them throughout their jobs and their life. Having more freedom to understand the concepts of person finance will allow students to make mature decisions while easing their way into real world
If the student graduates with a degree that is high need this can help the graduate get the job much easier and if the job pays well, this can help pay off the graduate’s student loans sooner as well. Whenever you have a higher income this can increase your monthly loan payment, which leads to being able to pay off your student loans much faster than having a job that has a lower pay rate. “The value of a college degree remains high, and the average college graduate can recover the costs of attending in less than 20 years.” (Mary C. Daly, Leila Bengali, page 4). From the article “Is it still worth going to college” Mary C. Daly and Leila Bengali explain how if you graduate from a four year college a graduate will have a much higher earning rate rather than a high school grade and also a graduate that attended some college but, less than four years of attendance. “College graduates earned an average about $20,050 (61%) more per year than high school graduates.” (Mary C. Daly, Leila Bengali, page 1). Not only does having a well-paying career help pay off student loans quicker, but it can also help the
College is worth the debt because in the end you will have so much to show for it, money, education and happiness. You won 't even be worried about the money you owe because you will be able to pay it off at any time. You will be able to show your kids a better life and help them strive for a higher education too. You will also be able to spend more time doing fun things with your family and not stressing over bills. More college means more money, more money means more education and more education means more happiness. The college education will always be worth the debt at the
If they are smart with their money and follow the correct choices, this shouldn’t be a problem for them. If you make the sacrifice and effort right now, you’ll keep yourself from digging a hole you’ll have to start climbing out of the moment you receive your college degree. (Ramsey 107). If you know ways to start saving money for college, don’t be afraid to start. Just because it’s easy to sign those student loan notes doesn’t mean it’s the only way.
When you graduate from college that is the time you start your life but many are not able to. Some people want to get married or start a family but cannot afford it at the time. By the time they receive their first check they instantly have to start paying their loans back. They are not able to afford rent/mortgage, utilities, or transportation because of it. Mishory O’Sullivan and Invincible (2012), “Found the average single student debtor would have to pay close to half of his or her monthly income toward student loans and mortgage payments. As a result, he or she would not qualify for an FHA loan or many private loans” (Elliott). A Survey ASA did on college students stated, “Student Loans were created to be an engine for social mobility, but they are, in fact, limiting young people’s ability to achieve financial success” (The Impact of Student). A student graduate mentioned, “Student debt weighs on every decision I make from
Marriage and love, now days it is true that you'll find a couple who had fell in love and that had made it throughout. marriage is more than a couple who are dedicated its showing responsibility and shows they will be there for eachother. I can personally relate to this by me and my girlfriend have been dating for a while and we still fight a lot but we get over it and we broke but got back, i don't see myself ready yet to tackle this big factor in my life or not just yet or anytime soon, maybe once im done with school and get a job in my career when i'm more stable rather as now when say i end up with a kid at this age at nineteen and no job just working on cars for side job.From when girls are small they are told that marriage is the goal and once there married they will have to be ready to do chores and cook, clean and, take care of the household. Emma Goldman shows, that marriage is like an institution that takes through a struggle of life anf that changes the imagination and if they can maneuver that they are ideal
In her article “Getting Married Is Not An Accomplishment” author Natalie Brooke makes the simple point that, marriage is not an accomplishment (Par.3). She supported this with several different statements. She first explained that still today marriage is “put on a higher pedestal” for women than academic successes or careers (Par. 6). Secondly she said that marriage is not the end goal and should not be “put in higher regard than academic and professional successes” (Par. 14). Lastly she explains that getting married is not an accomplishment but staying married is an accomplishment (Par. 15).
Being in debt is a very scary thing. It can become overwhelming with everything hanging over your head. You don’t need to take out a loan to pay off your college. Saving money in advance will help you pay off some of your college. Picking up more hours at work and saving that money will help you in throughout your life. It will help you make sure you're not taking out anymore loan and to make sure
“Because I am female I am expected to aspire to marriage, I am expected to make my life choices always keeping in mind that, Marriage is the most important”. This is a series of lyrics from Beyoncé’s song Flawless. This quote is important because I feel this pressure when I am supposed to talk about ‘a rich and fulfilling life’. I almost feel obligated to mention ‘a family’ as one of my requirements to a rich and fulfilling life. As a woman, society expects me to mention children and a husband to complete my life. However, I don 't want to take the traditional route. To me, a rich and fulfilling life can mean different things. Important values to me revolve around my goals and dreams in life. I think a rich and fulfilling life to me includes
There are many advantages and disadvantages in living together before marriage. Today there are many couples living together before marriage. Sometimes these kinds of relationships 'living together before marriage' end up with success and sometimes they are unsuccessful. Some of the advantages of living together before marriage are such as getting to know your partner, learning about one's abilities if he/she can satisfy your expectations and more. Also, there are some disadvantages in living together before marriage and they are such as religious and family values, parenting problems and more. I think there are more advantages then disadvantages in living together before marriage, because sometimes disadvantages in this kind of relationship are avoidable.
After a minimum of four years of college attendance, loan-debt will be immeasurable by the end. Debt will add up rapidly. In conjunction with tuition expenditures are the costs of fees, books, and living expenses which also hinder the allotted amount only budgeted for the price of tuition. In addition, loan-debt restricts potential, future purchases. Students may also have poor credit scores as a result of unpaid loans. Thus, the goal of owning a home becomes highly unlikely for students until the student loan debt is reduced or even satisfied. Inevitably, students who have loan-debt are negatively affected by “living paycheck to paycheck” (“The Impact”). Additionally, students who find themselves smothered by debt will also postpone major life events. One such momentous example is the delaying of marriage because of the costs associated with a wedding. This major event should not be hindered due to debt from receiving an education. Students also prolong having children due to the extensive costs accompanied by this significant event. Loan-debt, however, should not be a deciding factor on whether or not a student commences a family. While the initial debt may be incurred earlier in students’ lives, they are negatively affected both short and long term due to college
The debate on whether to get married or stay single has been raging for a long while, with both sides of the coin having their own pros and cons regarding the matter. Many proponents of either marriage or single life have strong individual convictions, and it is difficult to reach a definitive objective conclusion. Is the married individual happier than his/her single counterpart, or is getting married just a comfort seeking ritual that people believe they have to fulfill at some point in their lives? It is necessary to dissect this issue in the light of four factors: health and other medical factors, the economic and finance front, mental and emotional wellbeing and lastly, the social factor.
Achieving long-term personal happiness is possible with hard work and perseverance by using several methods. Understanding and following various steps to have fulfillment can change your life. By consistently following an assortment of important steps, you will develop a life pattern that is generally happy. Many people throughout history have attempted to find ways to become happier, and share the information with others. While there are occasionally things that should make a person unhappy, it is important to not allow unhappiness to become a lifelong pattern that destroys you mentally and physically. In addition, happy people tend to have more friends and success because they are fun to associate with.
Getting married is the most important event in our life. From time to time, they always say, “Single life is a sweet dream and marriage is an alarm clock.” This proverb could make young people afraid when deciding whether or not they marry. However, there are differences that indicate pros and cons of both single life and married life. In general, single life can bring us freedom to experience life all by ourselves; at the same time, it also brings loneliness and detachment. In contrast, married life can fulfill us with love, care, and a sense of belonging; however, it also requires us a great deal of shared responsibilities. Understanding the differences between single life and married life especially on finance, emotion, and responsibility
Statistics show that in 1998, 2,256,000 couples became married, and 1,135,000 couples became divorced (Fast 1,2). For every two couples getting married, there is one that is getting divorced. In fact, half of ALL marriages end in divorce (Ayer 41). That is a sad reality to face. Those percentage rates increase as the age of the participant’s decrease. It seems these days, fewer and fewer teens between the ages of 14 and 18 are getting married. This is a change for the better. Teens are usually not prepared for marriage. Marriage comes with many responsibilities; most of which teens are not prepared to handle. “Early marriage, though possessing certain inherent dangers, is widely practiced in contemporary America” (Teenage 1). Even if teens feel they have the potential for a lasting marriage, they should still wait to become married.