You and your spouse may have a different perspective on money. One of you is trying to save, while the other one wants to spend it all now. You can’t seem to agree on how much you should be saving or what type of investments will provide the best return for your situation. Your finances are causing arguments that you’re getting tired of hearing about. It’s time for a change!


Learn as much as you can about money management while you wait for them to come around.

This will help you be a more knowledgeable and confident advocate for your financial goals. You’ll also learn the best strategies to implement when they do agree that it’s time to get a plan together.

Reading this blog and listening to the Debt Free Latina podcast are great places to start.

Consider taking The Cash Flow Method Course or reading books on the subject.

Join our online Facebook Group “Debt-Free Latina” for some accountability and support.

Make the plan even if they aren’t ready to commit.

You write out a budget and plan out every penny. Make different scenarios to show what a few extra hours at work or cut back on spending could do for your financial situation.


Plan a meeting to talk about the future.

This might be difficult, but not impossible. Start with planning some time away from the electronics and the children. Once the kids are in bed, you can have a talk about your future goals and what it takes to get there.

Don’t forget to be empathetic! Help them see that this will help everyone in the long run.

If we want our spouse on board with getting out of debt, then we need to show how much effort is involved but also why they should care too. It’s not just about us anymore – it’s about providing for our family’s future.

Then, show them the plan and what their contribution would be to help make it happen.

The worst thing they can say is no but at least you showed your dedication.

If they still aren’t ready to commit, ask them if there’s anything that could change their mind in the future? What do they see as a deal-breaker for committing? Then brainstorm ways around those obstacles so when the time comes you will already have an answer!

Know with certainty that this won’t last forever; just think of all the benefits once debt-free! You’ll feel stress-free about financial decisions and now able to budget properly without living paycheck-to-paycheck. And who knows how much wealth you can accrue.

Ask them what their favorite things are in life like hobbies, traveling, etc. You might find common ground on some items or activities which could lead to a compromise about something else such as paying off debts faster!

Bookmark this post so whenever you start discussing money again or notice other financial disagreements arising.

Provide positive feedback

When you see your spouse making good money choices, mention it. Thank them for working late or not purchasing a new pair of shoes they didn’t need.

It might take some convincing before your other half agrees with you about what needs. If they’re trying to cut back on spending, praise them when you see that happening too.

It’s also important not to push too hard and start arguments about money when they’re already feeling stressed out. Instead of harping on what you don’t want or need in an effort to prove a point, try showing them how much happier the two of you can be once the debt is paid off by highlighting all the things didn’t need. It’ll help build up some momentum so eventually, your spouse will get used to hearing about this topic without getting irritated anymore!

You can do this!

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