Live Better
Understanding financial infidelity and its effect on relationships
(Family Features) Infidelity and deception can take many forms in a relationship, including some that have nothing to do with romance at all. One example is financial infidelity, where deceptions are reported in nearly half of relationships where finances are combined.
Among people who have combined finances with a partner, 2 in 5 (43%) confessed to committing an act of financial deception in a current or past relationship, according to a survey conducted by the National Endowment for Financial Education (NEFE). What’s more, 85% of those who reported a financial deception acknowledged the indiscretion affected the relationship in some way.
“When you comingle finances in a relationship, you’re consenting to cooperation and transparency in your money management,” said Billy Hensley, Ph.D., president and CEO of NEFE. “Regardless of the severity of the act, financial deception can cause tremendous strain on couples – it leads to arguments, a breakdown of trust and, in some cases, separation or even divorce.”
Understanding Financial Infidelity
Financial infidelity is an act of deception by one partner in a relationship where finances are combined. Examples include hiding purchases, money or accounts, or lying about the amount of income earned and debt owed.
More than one-third (39%) of U.S. adults who have combined finances in a current or past relationship admitted to hiding a purchase, bank account, statement, bill or cash from their partner, and about 1 in 5 (21%) admitted to lying to a partner or spouse about finances, the amount of debt they owe or the amount of money they earn.
Reasons for Financial Deception
A lack of communication and conflicting life or financial values may often be the root causes of financial deception, but U.S. adults also revealed other reasons for deceit with money. More than one-third (38%) said even though they are in a committed relationship, they believe some aspects of their finances should remain private. Meanwhile, another 33% were embarrassed or fearful about their finances and didn’t want their partner to know.
Fear of disapproval by a partner is also a powerful force, regardless of whether financial discussions are happening in the relationship. For example, 34% of U.S. adults who admitted to financial deception in a relationship with combined finances said they feared disapproval by their partner given discussions of finances had already occurred while 27% feared disapproval by a partner in a relationship where discussions about finances had not yet occurred.
How Financial Deception Affects Couples
Like other forms of infidelity, financial cheating can wreak havoc on a relationship, including arguments, loss of trust, less privacy, separating combined finances and even divorce. However, those who have been there offered some insight into positive repercussions, too, such as growing closer together and learning to communicate proactively.
Signs of Financial Infidelity
You may discover your partner is cheating financially when you come across a receipt or piece of paper indicating a purchase you don’t recognize or find your partner defensive or withdrawn in conversations about money. A deceptive partner may attempt to intercept bills via mail or email before you see them or remove the itemization of purchases on bills.
Learn more and find the full poll on financial deception at nefe.org.
Coming Clean
How to recover from financial deception
Whether you’ve caught your partner cheating when it comes to money, or you’re the one in the spotlight after making some financial transgressions, there are some steps you can take together to rebuild trust.
1. Be realistic in your expectations. Understand successfully rebuilding trust will take time, sustained transparency and commitment to shared goals and increased communication.
2. Commit to open communication. While the conversations may be stressful, the key is to focus on understanding why the financial deception occurred and what you can do, together, moving forward.
“When 2 in 5 people admit to committing financial deception in a relationship where money is combined, it highlights the need for greater communication and a deeper understanding of who your partner is financially,” Hensley said.
3. Create goals and ground rules together. Finding areas of compromise can help you get on the path toward rebuilding trust. That might mean having separate personal accounts while maintaining a joint account for household expenses, or you might create separate accounts completely with each of you paying an equitable share of household expenses.
You could also establish guidelines you can both abide by, such as agreeing that neither will make a large purchase, such as items over $100, without discussing it together.
Photos courtesy of Getty Images
Live Better
Refresh your home: Spring cleaning checklist
(Feature Impact) After months of winter, spring cleaning isn’t just about dusting and vacuuming – it’s about inviting sunlight and fresh air into your space through the open windows and giving yourself a fresh start for the longer days ahead.
It’s also a perfect opportunity to clear out the old and make room for new experiences, memories and energy. Whether you’re tackling deep cleaning for the first time or you have seasonal rituals for tidying up your home, this room-by-room guide can help you plan and conquer seasonal chores.
Whole Home:
- Declutter spaces: Donate, recycle or discard what you don’t need
- Wash windows inside and out
- Dust baseboards, walls, vents and ceiling fans
- Wipe down doors, knobs and light switches
- Vacuum and clean under and behind furniture
- Clean curtains and blinds
- Store seasonal items like winter clothing and decor
- Replace air filters
- Shampoo carpet
Kitchen:
- Empty and wipe down refrigerator and freezer
- Clean oven, stovetop and microwave
- Scrub countertops and backsplashes
- Clean out the garbage disposal
- Sweep and mop floors
- Organize the pantry and throw away any expired items
Bathrooms:
- Scrub grout and tile
- Clean mirrors and glass surfaces
- Deep clean toilets
- Wipe down cabinets and bathroom fixtures
- Wash rugs, floor mats and the shower curtain and liner
- Empty trash and clean the bin
Bedrooms and Other Living Areas:
- Wash bedding, pillows and linens
- Organize closets and drawers
- Vacuum chair, couches and mattresses as well as under cushions
- Dust shelves and decor
- Clean light fixtures and lampshades
Outdoor Areas:
- Power wash patios, sidewalks and driveways
- Wipe down outdoor furniture and replace textiles like pillows, cushions and umbrellas
- Clear debris from garden beds
- Prune shrubs, plants and trees
- Organize garages and sheds
- Reconnect hoses and sprinklers
- Prep lawn equipment such as mowers, weed eaters and blowers
For more spring cleaning tips and tricks, visit eLivingtoday.com.
Photo courtesy of Shutterstock
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Live Better
Curating a memorable vacation for your family
(Family Features) Travel has a way of slowing time down, creating memories for loved ones that last long after suitcases are unpacked and regular routines return. For many Americans, their most treasured family memories took place on a vacation or trip rather than at home.
In fact, nearly 67% said they value a core memory more than a physical souvenir after a vacation, according to a survey commissioned by Holland America Line, a cruise line that has been exploring Alaska for nearly 80 years. What’s more, almost 86% of survey respondents said they have looked at photos or videos from a past trip to lift their mood, and more than 90% said positive travel memories can improve their mood during difficult times.
With Alaska on the travel bucket list of more than two-thirds of Americans, it’s a destination that is influencing experience-focused family adventures.
Explore Curiosities
Travel is about more than seeing new places. For many Americans, it’s also a time to learn, explore new interests and slow down. Booking a cruise can encourage those behaviors.
According to the survey, 61% of Americans are more likely to try new foods while traveling on a cruise, and nearly half (48%) said they’ve discovered a new interest or hobby during their cruise, including wildlife, food, history or culture. For example, cruise guests may be able to try local specialties, like fresh Alaskan seafood, reindeer sausage, birch syrup and Alaskan berries, while on board.
Unstructured time is part of the appeal of cruises, with 28% of respondents sharing they read more during their trips.
Focus on Nature
Nature-focused destinations stand out because they offer experiences that feel rare and immersive, especially in places where wildlife and landscapes are central to the journey. More than 4 in 10 survey respondents said seeing wildlife in nature would be the most memorable family vacation experience, compared with about 12% who said meeting a character at a theme park would stand out most.
Whether spotting whales, watching glaciers calve or seeing the Northern Lights stretch across the Alaskan sky, the landscape being part of the experience helps define the journey. To help guests witness the majestic animals found in Alaska, including whales, eagles, bears, moose, otters, seals, sea lions and more, Holland America Line carries a wildlife expert on board. Plus, a wildlife spotting guide points out native animals found along the cruise route and a map with the best places to see each species is included.
“Guests tell us time and again how profoundly nature shapes the memories they carry home,” said Robert Morgenstern, senior vice president of Alaska Operations at Holland America Line. “Wildlife sightings, time outdoors and shared moments linger long after the cruise ends, especially for families exploring Alaska together.”
Reimagine Family Time
For families, travel often creates time for bonding that daily routines simply don’t allow. More than half of the survey respondents said their best family memories occurred while traveling together, and more than 4 out of 5 (82%) said some of their strongest family bonding moments happened during a vacation or family trip.
In addition to shared memories, more than 91% said travel had a positive impact on their mental and emotional well-being.
As travelers look for relief from routine and overstimulation, finding experiences rooted in nature, exploration and shared moments can help create lasting memories and emotional connection.
To learn more about Alaska travel and book your next family adventure, visit hollandamerica.com.
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Live Better
Dive in: How to prep the pool for summer
(Feature Impact) Summer will be here before you know it, but before you start digging out the bathing suits, beach towels and sunscreen, be sure to take time to prep your pool for the swimming, tanning and splashing to come.
Deep Clean
Start by giving your pool a good scrub. Remove debris such as leaves, branches, rocks and other items that may have collected over. Then use your cleaner of choice and a hard brush to scour the walls and floor to remove algae, stains and loose dirt.
Apply an Algaecide
No one wants to swim in green water with slimy surfaces. To prevent algae growth, add an algaecide to the water. These chemical cleaning agents are best used preventatively to keep algae spores from growing and water clear.
Shock It Up
Shocking a pool is simpler way to describe superchlorination – a process that involves adding a large amount of chlorine to destroy bacteria, algae and other contaminants that may have formed. As for how much shock to use, usually about 1 pound of shock per 10,000 gallons of water for routine pool maintenance.
Lessons in (Water) Chemistry
A healthy pool season is all about the right mix of chemicals and pH levels. Before you get into testing mode, you’ll need to have a water testing kit on hand. Begin the process by testing the pH levels of the water and adjust as needed to keep the pH between 7.2-7.8. Keeping the pH levels in this range helps prevent skin irritation and eye discomfort.
Filter First
As much as you may be ready to dive in after the prep work, you’ll want to run the filter first – for at least one full day. It helps distribute the shock and algaecide throughout the water and remove any lingering bacteria to help ensure your pool stays clear and clean.
Find more tips to get your pool ready for summer at eLivingtoday.com.
Photo courtesy of Shutterstock
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