Hebrews 12:11 Newsletter

Good morning Reader,

Have you ever started a simple money conversation with your spouse and somehow ended up in an argument?

It might not be what you said. It might be when you said it.

We learned early in our marriage that “we’ll talk about it later” doesn’t make the problem go away. It can actually make it worse. What helped us most was getting honest about how we felt and what we noticed. Those hard talks in the beginning are why our talks today are so much easier.

But timing matters too. Before every money conversation, we take off our HAT. We never talk money when we’re:

• Hungry: Low energy makes small issues feel big. Eat first.
• Angry: If you’re already upset about something else, money becomes the target. Give yourself time to cool down.
• Tired: A worn-out mind can’t make clear decisions. Choose a time when you both have energy.

Any one of those leads to confusion instead of clarity.

Your payday tip: Before you go over this paycheck together, check your HAT. Pick a time this weekend when you’re both fed, calm, and rested. Even 15 minutes is enough to get on the same page.

If money conversations still feel hard to start, my free Faith Guide to Better Money Communication will help you talk about money with honesty and grace.

Have a great weekend,

Latrisa