Myth: Everything will be fine as soon as we make more money. It does make sense that if you are struggling now, you won't once you get a big raise or you finish school or you get your grandmother's inheritance or you win the lottery. The truth is that more money will never be enough until you learn how to manage well the money you have already. Counter: Make the necessary adjustments now to live beneath your means. That will insure when more money comes into your lives, you'll know exactly how to take care of it.

Myth: It's too late. No matter how long you've been married or how difficult your situation may appear it's not too late. It will take longer and be more challenging, but you can turn your situation around. Two people committed to reaching a single goal is a powerful force. Counter: Decide right now that you are going to do whatever it takes to debt-proof your marriage.

© 2003 The Cheapskate Monthly. All rights reserved. Used with permission.

 "The Cheapskate Monthly" was founded in 1992 by Mary Hunt.  What began as a newsletter to encourage and empower people to break free from the bondage of consumer debt has grown into a huge community of ordinary people who have achieved remarkable success in their quest to effectively manage their money and stay out of debt.  Today, "The Cheapskate Monthly" is read by close to 100,000 Cheapskates.      Click here to subscribe.

Seeking financial harmony in your marriage? Read Mary Hunt's book Debt-Proof Your Marriage published by  Revell.