Descriptive Analysis of Strengths of PREPARE/ENRICH Group Program

The theoretical underpinnings of the PREPARE/ENRICH program (2008) are based on assumptions that quality marital relationships can be predicted from premarital relationship factors (Olson & Olson-Sigg, 1999). The preventive approach of this program focuses on identifying factors related to marital success, assessing couples on those factors, giving couples feedback and exercises designed to help them deal with problem areas, and to provide couples with skill-building exercises that focus on communication and conflict resolution.

Financial Stress and Premarital Couples

An Australian study has shown that there is a strong link between experience of financial hardship and personal psychological distress (Creed, P.A., & Miller, J. Psychological distress in the labour market: Shame or deprivation? Australian Journal of Psychology, 2006, 58, 31-39). One point made by the authors is that financial distress reduces a person’s capacity to plan and interferes with planning for a meaningful future. It is this that primarily reduces psychological wellbeing.

The golden rule of budgeting: Spend less than you earn and save and invest the rest

Money is a powerful word that conjures up a number of emotions, among them lust, envy, fear, anger, hope, scorn and disgust. Little wonder then, that the most common source of disagreement in families in Australia is money. According to a 2012 study (Hawkins et al) 40% claimed that the way their spouse handles money, was the reason for divorce (third to growing apart 55% and not able to talk together 53%.

2015: What are your short-term and long-term financial goals?

Budgeting is simply the process of allocating expenses on a regular basis. A good #budget is simple, realistic and clear. It builds in some personal control for each family member. In creating a realistic budget, focus first on the most basic needs like food, housing and clothing. Second, focus on what you would like to purchase in the future.

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