This is the process of someone piecing together parts to make a whole.
I am constantly refining and redefining who I am. I've wrestled with understanding my existence and wrote about my racial-ethnic identity as a Black Latina for xoNecole years ago. Publicly, I've documented a deteriorating relationship with my mother and the search for my other half through an unidentifiable father. By the other half, I do not mean in respect of another human soul intertwined in harmony with my own being, although not knowing the origins of my birth story did play a vital role in how I sought and see love. There are so many moving and missing parts to me. This evolutionary story of who am I and the road to self-actualization is why I find comfort in Beyoncé's visual albums, more often, than in the music itself. She is always giving me what I need when it comes to identity.
Beyonce Lemonade GIFGiphyBey's film version of Lemonade came at the right time in 2016. Perhaps even divine timing for most of us, myself included. We dissected pieces of the 65-minute film in academia, through blog posts, and over social media.
Her personal story—this beautiful fusion of intuition, denial, anger, apathy, emptiness, accountability, reformation, forgiveness, resurrection, hope, and redemption—mirrored our own Black lives.
Our womanism and the fruits of our wombs. Our homes and our healing. Lemonade's release happened around the time of my own birth, a Saturn return, the elements of water, and womanhood centering itself in my own world. It was life-changing for me.
Black Is King is no different.
Sunday was spent with my now three-year-old who thought an afternoon in bed would bring another edition of Frozen II. I wanted to push Black imagery to the forefront. To accompany the darkness of Black Is King's opening, we heard:
"I feel like I'm not a king yet. But, like, I got potential for it, you feel me? But I'm not there yet, you feel me? Like, I know I got the capabilities to. But sometimes I don't know how to navigate."
The opening felt like home, a familiar territory. I know that even with gaps in between the early chapters of my life, I still have lands I need to explore within myself. Who am I as the (great)granddaughter of Alabamian women and military men? Who am I beyond them? Black Is King's purpose is to transcend brick walls and to "come home to" who we inherently are. This has been the mission of my thirties thus far.
"Meant to celebrate the breadth and beauty of Black ancestry," Beyoncé said of the film's intent:
"We are all in search of safety and light. Many of us want change. I believe that when Black people tell our own stories, we can shift the axis of the world and tell our REAL history of generational wealth and richness of soul that are not told in our history books. With this visual album, I wanted to present elements of Black history and African tradition, with a modern twist and a universal message, and what it truly means to find your self-identity and build a legacy…This is a story of how the people left MOST BROKEN have EXTRAORDINARY gifts."
The Lion King was always that one childhood film that had endless knowledge to draw from, but I was always pulled to the lesson that it's important to (1) know who you are and (2) know where you come from. Bey's incorporation of Africa's lands, its native people, its color, and culture, alongside her family, reiterated just that.
It was in Blue Ivy's showcase of sass and stardom at the tender age of 8 that warmed me throughout, knowing there was a Brown skin girl who would grow up with the awareness of who she was and who came before her.
So many of us were once Black girls who transformed into Black women with no recollection of the past that made us.
With tears, I celebrated the rising star that fell from the sky in the form of a meteor within the film, knowing Blue and Rumi were the exception to this visual dedication to Sir, and hoping the same for my own children. This was a moment of hope.
It was in the mesh of flesh in Kelly Rowland and Beyoncé's intimate face-to-face embrace; Bey's insight on women as saviors and protectors with our own set of plights; the encouraging poetry of Warsan Shire in lines like "Life is a set of choices. Lead, or be led astray. Follow your light. Or lose it"; and the joyous inclusion of Afrofuturism at a time where tomorrows aren't promised for Black folks, that allowed me to see how Black Is King is more than just a retelling of a classic Disney movie.
Black Is King/GIF
It was in these visual connections and pleas to return to our ancestry that confirmed for me to drop my reservations about wandering into DNA-testing territory, in order to glue the holes of my story together for the sake of myself and the children rooted in me. Introspection is dark and heavy. I have yet to weave together the puzzles by way of genetic testing, out of skepticism. What will I find? What is in me? Who's "blood keeps the score of [my] blessings and [my] trials?"
Learning of your lineage and coming into yourself comes with criticism—internally and from outside forces.
Black Is King/GIF
As evident in the film's growing opposition. Appropriation, a lack of understanding to an unfamiliar culture that many are attempting to reclaim, and BIK being seen as "an African aesthetic draped in capitalism" are all understandable critiques worthy of a deeper exploration into where African-Americans fit in, and what table we get to sit at.
Beyoncé is no stranger to criticism, nor is she exempt because of her status in pop culture on an international scale, or how she's elevated Blackness in modern times.
But to knock the messenger before weeding out the message is something I can't get behind (and no, I have never been a devout member of the Hive). Jay said it excellently in Black Is King: "Understand that good and evil often appear together. Nothing is complete on its own...It's not always a battle; it's a conversation."
Maybe the art, the film's symbolism, and its relation to my own life blinds me to "the bigger issues", truth be told. But my identity and understanding my existence is just as important. To this I sing, "They'll never take my power, my power, my power..."
Beyoncé associating Blackness with wealth/regality is corrective promotion and y’all need to be happy about it. too often blackness is associated with struggle/poverty. and the messaging I get from her often is that wealth and regality lives inside us, it’s not always material.
— coffee bae (@iamsashakae) July 31, 2020
so many black people are taking African black diaspora courses in college. majoring/minoring in it. returning to af… https://t.co/2TDbNxTpnG— coffee bae (@coffee bae) 1596232681.0
"To live without reflection for so long might make you wonder if you even truly exist."
Who are you?
For years, I was bound to the narrative that I was solely a descendant of enslaved people with ties to Latin cultures and African countries. After mass consumption of films centered on that history as a child, I was turned off by "urban novels" that pushed hood love chronicles, life in projects and poverty, and the countless ways incarceration plays a guest role in our upbringing, as classic as they are.
My Black card would be revoked for sure if I told you how many street lit books I didn't read. Not because of access, but because I wanted a new account of how my life could possibly be. Because the school wouldn't teach it. Because American history tried to erase it—word to Nick Cannon. It's why I've stopped watching movies on slavery made by white men that win awards and yearn for new stories by way of my own telling or others.
Black Is King/Disney Plus
Perhaps I am not an offspring of African royalty, a reoccurring point made by critics from the African diaspora on Black Is King. Everyone isn't cut from the finer cloths and Africa shouldn't be romanticized by fantastical accounts of its history and inaccurate reflections of its modern times. I know this. But what I also know is:
I know that my resilience as a Black woman stems from some deeply rooted part of me. I know that my ability to make do with little and transform it into the most as a Black mother is ingrained in the women buried inside. I know "the Orishas hold [my] hand through this journey that began before [I was] born."
As a storyteller, I know the most used line in The Lion King to be true: that "we are all connected in the great circle of life." I am trying to piece together my own constellations and find my way home in a human game of chess.
I am both the pawn and a Queen.
Featured image by Black Is King/GIF
In understanding the significance of a Godparent, I decided to choose mutual friends between me and my partner–an honor accepted by all who were chosen. Best friends got first dibs on the title and had the privilege of calling my child their nephew and Godson, but months after, I realized some weren't living up to their roles and did nothing at all. There were no check-ins or genuine interests or concerns about the wellbeing of my son and soon thereafter, I realized that I had selected people because we shared a few years of good friendship, formed by long college nights and post-grad happy hours.
Two of the “Godparents" had a wavering faith in God and hadn't gone to church in years. With other friends who were Mommies, I witnessed a similar pattern of picking besties to play the part. In becoming uncomfortable with the fact that people ran with the title and didn't walk the talk, I wondered who actually deserves to be chosen and called a Godparent.
Godparents should not only live up to the capacity of being a positive role model through investing their time into a child for a long lasting relationship, but should also help that child grow in the faith of God. Godparents should serve as mentors, setting an example of how one is to live and walk in Christianity. In a conversation that should've been discussed prior to the arrival of our son, my partner and I realized that some of our friends picked up the role without having to be crowned a Godparent, while others excitedly wore the title like a badge of honor but refused to put in the work. While my friends jumped at the opportunity to be a Godmother–finding more of an interest to flaunt a title and be called “Auntie" than the live up to the expectations–there wasn't a sincere interest in the child.
Godparents aren't a must in a child's life and opting into having one (or two) boils down to selecting people who are practicing members of the faith, dedicated to assisting in the child's spiritual growth. People change and most friendships don't last forever, so it's important to choose someone other than the close friend you knew from way back when.
If I could do it all over, I would.
Children deserve someone who is going to fulfill the duties of a Godparent–one who is willing to invest in them spiritually and ready to pick up where the child's parents left off, should something happen–not a family friend who likes the word and not the work.
I asked a few friends what their thoughts were on being a Godparent, the roles they play and what it means to take on the title. Check out a few of the answers below!
“When my friend first asked me to be a godparent, it honestly felt like an honor because she could've chosen anybody else for the role. She told me that she knew if something were to happen to her or her parents that she knew I would make sure that her son was taken care of. Being a godparent is just about having the title, but realizing that someone trusts you with their child in the event of unfortunate circumstances. Though I can't always be around for my godchild since I live in another state, I do my best to be there for birthdays or holidays and to be aware of what's going on in his life." – Kiah
“The role of a Godparent in todays' society is often overlooked and forgotten. Many people are just focusing on the “title" and not the positive actions he/she should be displaying for the child. Becoming a Godparent means that you are chosen to mold and help guide a child, a responsibility to be cherished. Trust that you can nurture, give words of encouragement and advice that will allow them to navigate this difficult world. As a Godparent it is important for the individual chosen to be physically present when the parent is unable to do so. If religion plays a large role within that family it is the duty of a Godparent to ensure the child is taken to sunday school and church whenever the parent(s) are unable to do so. Also, it is the duty of a Godparent to ensure that their Godchild gets the necessay steps to help maintain a comfortable and self-sufficient life." – Kenni
“When I was asked to be a Godparent, I expected the position because my best friend asked me to I'd do anything for her. I really didn't know what the role of being a Godparent was besides being second in line in taking care of the child, God forbid, anything should happen to the parents. But I love being a Godparent because its practice for me in the future for when or if I decide to have kids. I also believe that having a child is the only way you'll be able to create a better version of yourself and even though I didn't give birth to my Godchild, I'd like to believe that being around, makes that child the best version of our friendship. There's a piece of me and her within him." – Janaé
“I asked a family member to be the Godfather to my child because of how much he did for me growing up. At first he denied the opportunity, saying he didn't go to church and knew walking in the faith was a big part of being a good Godparent, but when I became sick not too long after having my daughter, he accepted, knowing that things change in a second and someone needs to be there to pick up where I left off. Since then, he's been highly active in her life–taking her out on weekends, celebrating milestones with her, and so on and so forth–on top of being a father of three to his own children. My little girl now knows that someone has her back and cares for her wellbeing, not because her mother and her cousin are related in some way, but because he picked up that title and has thrived in it." – Angel
Do you or your child(ren) have Godparents? Are they necessary? Weigh in in the comment section.
Featured image by Getty Images
These are the three words I would like to repeat to women, especially young women who have a lot of life to live but feel pressured by society to rush into marriage and have kids.
This thought crossed my mind recently as I watched a rerun of Keeping Up With the Kardashians, and Kylie asked Caitlyn when was the right age to have children. Caitlyn suggested 30, but Kylie believed that she should add motherhood to her résumé by the age of 25.
Why?
Because “30 is too late."
I could have easily said Kylie was trippin', but I have numerous girlfriends who too feel like after 25, the odds of finding someone who is both compatible and wants children is low, and by 30? Forget about it.
It's fascinating to me, someone who had two children back to back at 22 and 23, respectively. In the last year of my twenties, I reflect on what I've accomplished over the course of a decade and while I will never regret having my children, I firmly believe that my life would have taken a different route that would've pushed me further along had I not had children so young. I know most of you believe early twenties is better than being an adolescent or having children in your 40s where your pregnancy will be considered high-risk, but here's what I believe;
The world doesn't stop when you have children, but realistically speaking, a lot of things can be put on hold if you don't have the resources or support to continue business as usual. So where does the rush come from if you aren't mentally and financially equipped to raise a baby?
Girlfriends in their 30s believe that that decade is reserved for settling into families, not starting one. “Children should be pushing the double-digit years and you should be established in your career," said one friend who is 34 and without kids.
What is it about being childless in your 30s? Well, many believe that by then, most men are already husbands, have families, or are also without children, but aren't “husband material," so many women feel that their choices rest on a thin line. And although that situation isn't a reality for me, I do wish that some women would stop settling and start waiting until the right moment–even if that does take a little time.
If I could leave some words for the young women who are racing biological clocks and societal pressures, I would say:
Dear You,
When I was your age, I was either on my way to college or already enrolled in a university that would light my path toward a lifelong dream to be a writer. Life writes and maps out our journey before we know the road we'll travel down ourselves, and as an early 20-something, I swore that babies would be the last thing on my mind. But life happens and at 21, I got pregnant. The same people I entered my freshman year with, were walking across stages and entering the real world. My reality looked different and I fell into a toxic cycle of self-deprecation, comparing my chapter five with someone else's chapter one.
At 21, you know more than what you did three years ago, but there's still some life to live. There's still some things you should learn through the dating scenes of New York City, D.C., and L.A. You need to break a few hearts and through expectations, have your own broken a time or two. At 25, what I called my Golden Year, you'll start to understand people more–more so, yourself–and you'll either be living your childhood aspirations that you spent thousands of dollars on in higher education, or you're beginning to understand that the trajectory of your life isn't what you envisioned. Twenty-five is the age of awakening and for me, I was in a weird space raising two little beings and feeling like a baby to the world.
As I near 30, what I know now is that you're always a student and should be receptive to learning. Things work best when it happens in its own time, and when we force things that demand patience and a certain level of maturity, we cannot be our best selves. This is not to say that you cannot find you at an early age–it happens. This isn't to say that you can't be a kick-ass mother before the age of 25 or after 35–I'm a testament to that–but taking your time produces the best result.
Letting God, the cosmos, whatever deity you believe in, be the one in control and steering the wheel of your existence, will never guide you in the wrong direction.
We coerce things and run against imaginary theories that leave us settling and filling a void to find “happiness." Take your time. Stop rushing. Allow things to happen organically.
It took years of acceptance and coming to terms with my truth and how my life panned out, but if I could do it all over again, I would see the world and Eat, Pray, Love my way to understanding myself.
I would be a better mom if I had waited. I know that now.
Source: femalecondoms4all.org
The female condom, or femidoms, was developed in 1984 and launched internationally in 1991 by Danish doctor, Lasse Hessel. It is currently now the number one choice of birth control amongst women, albeit it is the only tool available designed to offer dual protection against STIs, HIV, and unplanned pregnancy, according to the National Female Condom Coalition. From a study in 2011, the Centers of Disease Control and Prevention found more than four out of five pregnancies were unintended in women ages 19 and younger, with the proportion of those pregnancies highest amongst girls younger than 15 at 98%.
Women are less likely to contract infections when presented with a wider range of contraceptives. Male condoms, birth control pills, Depo-Provera, or the NuvaRing are not the end all, be all of protection. However, after existing on the market for over two decades, only 1.6% of all condoms distributed worldwide are femidoms.
Here's three reasons why women should consider femidoms as their preferred contraceptive:
Source: path.org
1. Sex Is For Pleasure, And Both You And Your Partner Can Get Off Better
I remember growing up and hearing stories about teenage boys and men not wanting to use condoms because “going raw" felt better. And while that may be true for both men and women, the need to protect oneself is still of utmost importance. If your partner is steadfast in not wanting to use male condoms, women have the option of safeguarding their health and the person they're intimate with by using femidoms.
Although the cost is higher in comparison to that of male condoms, pre-lubricated femidoms offer a quick fix to vaginal dryness during sex and with its outer ring, helps stimulate the clitoris. Some female condoms are designed so that the inner ring provides sensation to the tip of a penis when touched. It's been reported some men actually favor femidoms over male condoms, or view them as complementary to one another, because it does not constrict nor inhibit sensation. The acceptance of female condoms by men is due in part to increased pleasure for both parties while engaging in intercourse. It should also be noted that people of all genders and sexual orientation use female condoms.
2. Women are able to call the shots
Instead of relying on men to provide a means of birth control, women are offered the chance to protect health on both ends of the spectrum. Millions of women are dependent on a male's erection to sustain pleasure during sex, but in using a female condom, women are able to call the shots, providing the barrier and remaining safe. These condoms cover more of the external genitalia, helping protect STDs that are transmitted through skin contact.
With dual-protection comes dual responsibility in preventing infections. With the political world ablaze with conversations on women's health, women are able to make decisions about their own sexual health through use of the female condom. Femidoms have a 5% failure rate, whereas male condoms fall within the 9-10% range, according to Planned Parenthood and the CDC.
It's also non-hormonal which actually aids in women feeling better about utilizing them instead of Depo-Provera or the pill which results in increased weight gain, affecting the perception about body image.
3. You Won't Hear The 'Allergic' Excuse Anymore
Cheers to change! Men use the “I'm allergic to latex" excuse a lot, and well, some women do too just for the chance to experience sex better, sans condom. The FC2 female condom, which is only available in the United States and approved for use by the FDA, is hypoallergenic and can be used for those who are anti-rubber. FC2 is made with nitrile, a compound found is medical gloves (sounds odd, but remember the same materials go in your vagina when you visit your gynecologist), so that oil- or water-based lubricants can be applied prior to sex. The heat transmitting material in a non-latex female condom also assists with pleasure and warms body temperature. Perfect for those autumn and winter nights.
If you are curious on how it is inserted, catch a video tutorial below:
Are you currently using female condoms or have used them in the past? Talk about your own experiences to educate other women below!
It started off light on the way to school or in hallways where the guys lined up against locker doors. Before 'morning texts' became the wave amongst adolescents, my morning began with “How you doing, beautiful?" and “You look good today." It fueled my day. Roughly a year or two earlier, my mother told me that I was becoming fast and falling prey to teenage boys who would tell me things I wanted to hear for their benefit. She was right, and eventually, their words lead to the fulfillment of their wishes in the long run.
After weeks of having all eyes on me, my internal hopes of being desired seemed to have been fulfilled. However, things changed when I didn't hear one boy's comments towards me, but heard the words that followed–he outright called me a bitch. I was easily removed from the pedestal I put myself on as a result of not responding to something directed towards me, and I was mindblown. That day would later lead to years of witnessing women be called every name under the sun because she “didn't know how to take a compliment," and it changed my world.
As a mother of three sons, I understand the need to have a conversation about being mindful of the words we use towards people. I'll admit, it's rather difficult dissecting and exploring the differences between complimenting a little girl on her natural hair versus making her uncomfortable when talking about her appearance with toddlers, but it's important to introduce the subject when they're young.
That's why I love SoulPancake's #ThatsWhatHeSaid episode on how men view women. Anabella Casanova, the series creator, said the purpose of the roundtable discussions are “to foster understanding and compassion within genders and across the gender gap." In this episode, the fellas discuss everything from catcalling and the viral “10 Hours of Walking in NYC as a Woman" video, to sexism and male privilege. Acknowledging that harassment is about treating a woman's body as it is isn't her own, one participant says that him engaging in catcalling had little to do with the woman, and more to do with him asserting his masculinity and proving his manhood to his friends.
In sharing their stories about how everyday experiences differ between men and women, the guys offer up solutions for how men can treat women equally. One way? Check your boys when women are being harassed in hopes that they can become more cognizant of toxic behavior that negatively affects most women, and is a detriment to society. Here are some quotables from the piece that can serve as some dope conversation starters between the sexes:
“We talk about sexism as if it's a woman's problem. It's women's problem to deal with, but it's men's problem. Sexism is men's problem and that's the thing about privileged groups–you have to make a decision that I will revoke my own privilege and that's a big step task. The truth is, it is the privileged group that needs to do the work."“You hear things that are implicitly sexist, but without even acknowledging it, it is so hardwired into the way you think and talk."
“Part of it, too, when it comes up casually in a joking manner, I think it's a natural reaction to just kind of laugh and go along with it, but you don't realize that that could actually have, like, a really emotional effect on somebody who you're not thinking of."
“I think it's looking into ourselves and our own history and wondering where that joke comes from, or what the root of that opinion is. And in order to combat it, we need to find it and address it, and then consciously shift our attitude or behavior."
“A part of it is, sex is something women give and something men get, and as long as we see it that way, I think some of the dynamics that we're talking about are going to persist. This is something out there that I'm supposed to go get, then I'm going to go get it. Until it's seen truly as something shared, then there will always be some version of this dynamic."
This is exactly why it's important for my partner and I as parents to have these talks with our sons.
I don't want my children to grow up feeling like a woman's body is entertainment, and I think many of us aren't having conversations with our kids about recognizing discomfort in others and how to react to rejection. There are little boys that are constantly faced with having to prove their masculinity and anything 'feminine-like' is rejected, breeding a culture of men who are in a constant struggle between being who they truly are and being who the world says they should be.
Eight-year-old boys “need" to be hard. It's quite alright to push boys into manhood and onto girls at 10. Complimenting girls at young ages turns to aggressive behavior by 18 when a woman doesn't respond to a statement because of pressures to prove something.
It is my hope that my stories on how I encountered catcalling on the street out with my homegirls, in church, or at school helps my children stop harassment when they see or hear it. It will never be okay. I hope they understand where to draw the line and how crucial it is to stop their friends who will grow up contributing to misogyny. They have a mother, aunts, and cousins that have experienced verbal harassment with no one coming to their defense, but they have the opportunity to stop sexist behavior in their tracks. My job is to expose them to the power of their voices the right way, even if it means doing the unpopular thing and checking my boys.
Check out the full video on the discussion below.
Money.
In a new report, GOBankingRates administered a Google Consumer Survey for all 50 states and Washington D.C. where adults were asked to choose their biggest financial deal breaker. Categorized into six divisions–one party doesn't bring into sufficient income, overspending, poor credit, being secretive about finances, one party being too cheap, and having excessive debt. The results?
Residents in half of the states said that overspending would be their biggest deal breaker. This answer is followed by being secretive about finances, which residents of 19 states and the District chose as a top deal breaker, and too much debt, which was selected as the biggest deal breaker in 12 states. Lastly, for residents of just one state (New Hampshire), poor credit is the biggest financial red flag in a relationship.
In states where residents live paycheck-to-paycheck (Hawaii, California, and New York make the top 3), it's easy to see why a partner who overspends is noted as the top financial deal breaker, whereas states like Kansas, Mississippi, and New Jersey where residents are faced with the highest rates of poverty, have the lowest levels of financial knowledge, the largest credit card debts, and the highest rates of households that live beyond their means, avoid getting into a relationship where the person has too much debt to handle.
If you don't believe these things aren't of any significance in a relationship, guess again, with research showing disputes over finances oftentimes lead to breakups and divorce.
Sonya Britt, a Kansas State University researcher concluded that “arguments about money [are] by far the top predictor of divorce. It is not children, sex, in-laws, or anything else. It's money–for both men and women." That comes as a surprise to me, but money is so much of a big deal in relationships, that financial infidelity is actually a term used to describe couples who aren't forthright about their finances.
Time reports that 22% of husbands and wives have made purchases they didn't want their partner to know about; 35% of those who hid purchases kept quiet to avoid a lecture, and CreditCards.com conducted a survey that found 1 in 5 couples commit financial infidelity, with 6% of Americans (or 7 million out of 120) have a secret bank account or credit card that their spouse or partner isn't aware of. Out of those surveyed, here's what was found:
That number is heavily skewed toward men, with 26% of males reporting a hidden major purchase compared with only 14% of females. But it's not necessarily because men are more dishonest. A previous study showed they're simply more likely to make large impulse purchases than women, meaning guys may just be a little more freer with funds...a surprisingly high number of men–31%–are okay with their partners dropping more than half a grand without notice. Only 18% of women said the same.
Over the course of 11 years in my relationship, I can easily say disagreements on finances have been the most challenging, with me struggling with student loan debt, garnishment of my work wages and income taxes, to say the very least. Every little dime counts and having to scrape pennies together to make ends meet, while being involved with a man who wasn't the breadwinner, definitely added to an insurmountable level of stress in my home.
Sharon Gilchrest O'Neill, author of A Short Guide to a Happy Marriage, suggests something I wish I would have asked at the very beginning–or at least something my partner should have asked me–in order to ensure we were on the same wavelength when it came to money before life coached us in the right direction.
Crucial Questions To Ask A Potential Partner Before Marriage:
- What kind and amount of debt would each partner carry into the relationship?
- How will the debt be dealt with as legal partners?
- Once you are partners in finance, what are your positions regarding how much debt is acceptable?
- How many credit cards do you have in use?
- Will you pool all your money together or have any separate accounts? What amount of savings do you each regard as acceptable?
There's even a financial compatibility test you should take to determine if you and your significant other are a money match. Living a financially double life affects both of parties. In an article for The Guardian, one writer accurately states what all couples should be asking before choosing to settle down.
You may need to decide if you can live with your partner's bad habits or not. Living with secrets, however, is another matter altogether...When you decide that you're going to combine your lives, talk openly about what it means to combine your finances.
Don Grant, a financial advisor at Carey, Thomas, Hoover & Breault Investments, goes on to say that he believes “a reason that these problems arise is that for so many years, we are independent and make our own money decisions," making it “hard for many of us to acknowledge that anyone else has a right to a say over that."
I wanted to pick the brains of three women to get their thoughts on how just how important are finances to them, how it affects their personal relationships and financial deal breakers. Check out their thoughts below.
I believe the right time to discuss finances and credit with your significant other is when you two start talking about moving in together, having children or getting married. It's incredibly important for me to know my significant other knows how to effectively manage his money now. But when he and I got together (I was 21, he was 19), I wasn't that smart. I wasn't thinking about anything like that. I was more concerned with who I had the most fun with, who made me laugh, who was good in bed, etc. We have both grown and made money management a priority, but only after suffering and making so many mistakes over the years. If I were single now, I wouldn't get serious with someone who refused to be candid with me about overspending, poor credit, or debt. Communication and growth are just way too important to me and if we can't know honestly where each other is financially, then how are we going to grow together? So, dishonesty and repeated recklessness are financial deal breakers for me. We all make mistakes, but making no effort to grow is a deal breaker. -
I had a bank account; he didn't. We kept a small hat and when he got a paycheck, in the hat it went. When I got mine, same deal. It was always our money. If I needed something, I would let him know and vice versa. We were very open about how much we made and if I found an extra dollar somewhere, it was ours.
I'm not sure how we got to that point, but we were always very open with everything else, so money was just another thing. He was nervous about getting a bank account because it was so easy to click opposed to actually getting the money out of your wallet and handing it over. This method helped us prioritize and I'm a frugal at heart, so I was glad with that decision. I still had my bank account, but we would literally put enough to pay bills once a month and let it rock with a minimum balance until the next cycle of bills.- GG Renee Hill
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Last summer I left my job and we were back to the broke pair. My bank account was nil and the money we did get from his job was just enough for survival–nothing else. It was rough because our relationship suffered. I blamed him for not being man enough to sustain his family; he blamed me for the same. It was hard to see ourselves growing apart, but we understood that money was the issue.
We knew what had to be done, but had no way to fix it. We couldn't have conversations about it because it was that hard not to point the blame. Eventually when I started working again, in December, we had the sit down. I told him we needed our financial life together and I was recently reading articles about it being possible. He told me he just wants to save–saving for us to build our credit and saving for us to create a bed for Ryder. I watched my parents lose a lot without good credit and I barely made it into my apartment because of it and I needed that to change. We're on a road to financial recovery with a method of saving.
What was really important for us to keep in mind was that we needed to be on the same page. It is always a team effort and even when one is making more than the other, it's crucial to remember that teams win- solo acts don't. If we work together, we can learn how to build our finances together.- Stella
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My husband and I met in college. We were both poor and both eagerly anticipating finishing school, graduate study and beginning our careers. The first few years, money was never discussed and when we moved in together, we realized that we should have been talking about it all along. I lucked out with him because when we began discussing finances, my husband was very knowledgable about credit and mortgages and basic household finances. Since my father was a CPA, I would call on him to give us basic advice about beginning to save and what steps we should be taking as young professionals, but I only asked for advice–I never disclosed details about the money in my home (never do that, keep your business in your house).
However, it was not always easy. Student loan debt, credit card debt from having to have a dream wedding, first job salaries, bills, all make saving extremely difficult, but it makes it easier when you marry a man who can be honest about his finances. We decided to have a joint savings account and separate checking accounts and thus far, money is never a concern because we contribute what we are supposed to and pay bills as a unit. If I could do it all over again, I would have discussed saving and financial goals from day one because not everyone is blessed enough to avoid that conversation and still work out.- Brittany
How do you approach the conversation on credit and what are some of your own financial deal breakers? Weigh in in the comment section below!
