Greeting Kate —

Being in debt, not having enough financial resources to throw my hands up quit work today along with wanting to do something special with my wife is not a decision I can make on the spare of the moment without looking at our bank account balance. Freaking out over money can destroy a good solid relationship with your fiance; in the long run things may not change for you. I strongly recommend open honest conversation, planning ahead, open another bank account for your ‘Dinner and Fun’ money and of course the two of you may need to set up a budget. Depending on how your income flows into your account, you can set up a payment plan that best suits you. I had to change my own way of paying my bills once I got married, I am a pay ‘until it hurts’ kind of guy.

Remind yourself of all of the things you HAVE in life that money just cannot buy, that is where your true wealth lies.

Once again do not allow money problems to rule or destroy your life. Be frugal, look for bargains but always be honest about your concerns. The majority of the people today who have to work for living and are not independently wealthy are in your shoes. Be well and walk in peace.