with close to 50% of marriages ending in divorce. One of the crusial problem is about finance. Dr. phil has five steps to developing financial and marital harmony.

1. Develop Emotional an Behavioral Integrity

Money cannot solve the emotional problem simply. Don’t justify purchasing something that you can’t afford. Bypass your attitude of entitlement. Always open your spending habits to your spouse.

2. Get real life! Don’t live a fairy tale

You should understand and realize how much real money that you have! Tell yourself the truth: what’s really behind your buying habits? Be honest with yourself about why you do what you do.

3. Negotiate parameters, Negotiate priorities

Make an agreement between your partner about on common financial concerns and spending limits.

4. Ask yourself hard question

If you’ve made a bad decision, that doesn’t mean you have to perpetuate it. Don’t continue life patterns that aren’t working for you. Are you spending within your budget?

5. Set Goals, Take Pride

Evaluate your budget, do the math, and set a financial goal. Create a plan and a timeline. Stick to it! Find your reward in seeing how your self-control pays off in the long run.