Love and Money: Reducing Stress and Improving Couple Happiness

A love and money curriculum was developed to guide couples through conversations about the role money plays in their relationships. Thirteen couples participated in the 5-week study. Physiological stress was measured during each of the five meetings. Couples’ satisfaction, attitudes, and behaviors were evaluated with pre-and post-surveys. Findings indicate that couples experienced a reduction in the stress finances put on their relationship and increased happiness with their financial situation, communication, and household responsibilities. Implications for more wide-spread application of the curriculum are provided as a way of talking about money with couples.     

TOGETHER – A Couples’ Program to Improve Communication,Coping, and Financial Management Skills: Development and Initial Pilot‐Testing

The accumulated knowledge about the negative impact of financial strain on couple's relationship functioning and the magnitude of the latest economic downturn have brought together the fields of financial counseling and couples’ therapy. This article describes the development of a new interdisciplinary program that aims at helping couples under financial strain improve their financial management, communication, and dyadic coping skills. The article also reports the results from its initial pilot‐testing with data collected from 18 financially distressed couples before and after participation in the program and 3 months later. Results from repeated measures ANOVAs suggest that the program may help reduce both partners’ financial strain and the male negative communication and improve both partners’ financial management skills and strategies to cope together with financial strain, and the male relationship satisfaction. These findings together with the high satisfaction reported by participants regarding the structure and content of the sessions and homework suggest that this program may be a promising approach to help couples experiencing financial strain. Gender differences, clinical implications, and possibilities for further research are also discussed.     

Long-Term Prediction of Relationship Satisfaction and Stability by Stress,Coping, Communication,and Well-Being

In this 10-year longitudinal study, long-term relationship satisfaction and stability were predicted from communication behavior, stress level, physical and psychological well-being, and individual and dyadic coping skills. The predictors were assessed at the beginning of the study. Significant predictors of relationship satisfaction (n = 103 couples) for both men and women were relationship satisfaction in the beginning, and for men additionally their dyadic coping competencies. Significant predictors of relationship stability (N = 162 couples) were relationship length, relationship satisfaction of both men and women, as well as women’s positive communication. The percentage of correct classifications (stable or unstable relationship) over a period of 10 years was 80.3%. Implications for research and prevention as well as the importance of coping skills for relationship outcome are discussed.     

Does Couples' Communication Predict Marital Satisfaction,or Does Marital Satisfaction Predict Communication?

The quality of communication between spouses is widely assumed to affect their subsequent judgments of relationship satisfaction, yet this assumption is rarely tested against the alternative prediction that communication is merely a consequence of spouses' prior levels of satisfaction. To evaluate these perspectives, newlywed couples' positivity, negativity, and effectiveness were observed four times at 9‐month intervals, and these behaviors were examined in relation to corresponding self‐reports of relationship satisfaction. Cross‐sectionally, relatively satisfied couples engaged in more positive, less negative, and more effective communication. Longitudinally, reliable communication‐to‐satisfaction and satisfaction‐to‐communication associations were identified, yet neither pathway was particularly robust. These findings raise important doubts about theories and interventions that prioritize couple communication skills as the key predictor of relationship satisfaction, while raising new questions about other factors that might predict communication and satisfaction and that strengthen or moderate their association.     

Assessing the causal relationship among communication,money management practices,satisfaction with financial status,and satisfaction with quality of life

The purpose of the study reported here is to assess the causal relationship among communication, money management practices, satisfaction with financial status, and quality of life. The data used were collected in 1986 through personal interviews. The sample size is 123 interviewees, and the unit of analysis is the household's money manager. Results show that the money managers who are more knowledgeable about financial matters, and those who are highly indebted, communicate more about money matters and report more money management activities. Satisfaction with financial status is caused mainly by economic factors (net worth and savings). The demographic factors that influence satisfaction with quality of life are marital status and household size. Satisfaction with quality of life is also predicted by income and satisfaction with financial status.This research was supported by the Iowa Agriculture and Home Economics Experiment Station Project No. 2773 (Journal paper No. 13123).Dr. Olive Mugenda is a senior lecturer Lecturer at Kenyatta University, P. O. Box 62337, Nairobi, Kenya, East Africa. Dr. Tahira K. Hira is a Professor, Department of Family Environment, Iowa State University. Dr. Alyce M. Fanslow is a Distinguished Professor, Department of Family and Consumer Sciences Education, Iowa State University, Ames, IA 50011.Drs. Mugenda and Fanslow received their Ph.D. degrees from Iowa State University, Dr. Hira received her Ph.D. degree from the University of Missouri, Columbia.Dr. Mugenda's research is in family financial management areas. Dr. Hira's research focuses on factors influencing satisfaction with households' financial status and consumer bankruptcy. Dr. Fanslow's research interest includes financial management education.     

“We're in this together”: Attachment insecurities,dyadic coping strategies,and relationship satisfaction in couples involved in medically assisted reproduction

Attachment is an important predictor of relationship satisfaction and attachment insecurities are a risk factor for couples under stress. Drawing from the Vulnerability–Stress–Adaptation model, we investigated whether dyadic coping strategies (DCS) would explain the links between attachment insecurities and relationship satisfaction in 97 couples involved in medically assisted reproduction (MAR). Path analyses revealed that for women and men, attachment insecurities (anxiety, avoidance) were associated with their own lower relationship satisfaction through their lower use of positive DCS. Attachment avoidance was also associated with participants' own lower relationship satisfaction through their own lower use of negative DCS. Men's attachment avoidance was also related to their partner's lower relationship satisfaction via their own and their partner's lower use of positive DCS. The findings suggest that promoting the use of positive DCS may be important to preserve relationship satisfaction in couples involved in MAR.     

The Role of Money Arguments in Marriage

Despite the paucity of empirical evidence indicating the impact of money arguments on spousal relationship outcomes, it is common belief that money plays a large role in the life of couples. This study used panel data from the 1979 National Longitudinal Study of Youth to examine how money-related arguments affect the marital relationship. Economic theory indicates that initial expectations about the marriage and variance in expectations are both important in predicting relationship satisfaction and divorce. Money arguments were modeled as a sign of the lack of investment in spousal-specific capital and were hypothesized to negatively impact relationship quality. Results suggest that money arguments are an important indicator of relationship satisfaction, but are not as influential in predicting divorce. Both the approach used to model money arguments and the empirical results can be used by marriage therapists and financial counselors to help couples understand and improve the benefits received through marriage.     

‘All my worldly goods I share with you’? Managing money at the transition to heterosexual marriage

Studies in the 1980s and 1990s revealed that financial arrangements in marriage tended to disadvantage women, especially those with young children. However, much of that research focused upon relatively well‐established married (or remarried) couples, and we have little insight into the choices that today's newly‐weds are making, or what influences their choices. To address this gap in our understanding, in‐depth, semi‐structured interviews were conducted with forty‐two heterosexual couples on the brink of their first marriage. We explored their monetary practices and the way that they thought about money in the relationship. The results of a grounded theory analysis showed that six couples were pooling all or most of their money, fifteen were using a partial‐pooling system, twenty were using an independent management system (with separate accounts), and one couple had an arrangement where all the money was controlled and managed by one partner. A key factor was perceived ownership of money, and this influenced the extent to which finances were being merged and treated as a collective resource. Other factors included the couple's current living arrangements and beliefs about the importance of sharing and independence within the relationship.     

Is it really that important to you? How the topics of conflict and emotional reactions to conflicts explain the associations between attachment insecurities and relationship satisfaction

This study sought to examine the intermediary roles of different topics of conflict and negative emotions following conflicts in the associations between attachment insecurities and relationship satisfaction in a sample of 253 mixed-gender couples from the community. Results from path analyses based on the Actor–Partner Interdependence Model showed that attachment anxiety and attachment avoidance were associated with the perception, in both partners, of experiencing more conflicts in the relationship. In turn, the more participants perceived conflicts related to major issues and daily annoyances, the more they reported negative emotions following conflicts and lower relationship satisfaction. Participants’ report of conflicts related to major issues was also related to their partner's lower relationship satisfaction. Findings highlight the significance of accounting for the topics on which couples argue and of using an attachment-based framework to help couples deal with the negative emotions that they experience following conflicts.     

Is Communication a Mechanism of Relationship Education Effects Among Rural African Americans?

Enhancing communication as a means of promoting relationship quality has been increasingly questioned, particularly for couples at elevated sociodemographic risk. In response, the current study investigated communication change as a mechanism accounting for changes in relationship satisfaction and confidence among 344 rural, predominantly low‐income African American couples with an early adolescent child who participated in a randomized controlled trial of the Protecting Strong African American Families (ProSAAF) program. Approximately 9 months after baseline assessment, intent‐to‐treat analyses indicated that ProSAAF couples demonstrated improved communication, satisfaction, and confidence when compared with couples in the control condition. Improvements in communication mediated ProSAAF effects on relationship satisfaction and confidence; conversely, neither satisfaction nor confidence mediated intervention effects on changes in communication. These results underscore the short‐term efficacy of a communication‐focused, culturally sensitive prevention program and suggest that communication is a possible mechanism of change in relationship quality among low‐income African American couples.     

Couples relationship standards and satisfaction in Pakistani couples

Relationship standards are beliefs about what is important in a satisfying couple relationship, which vary considerably between cultures, and might mean that what couples seek from couple therapy differs across cultures. We assessed the standards of n = 49 Pakistani couples and whether those standards predicted couple satisfaction. To provide referents for the Pakistani standards, we also assessed selfreported relationship standards in n = 33 Western couples and n = 30 Chinese couples. Pakistani couples endorsed couple bond standards (e.g., expressions of love) as similarly important, and family responsibility (e.g., extended family relations) standards as more important, than Western or Chinese couples. In Pakistani couples, Couple Bond predicted couples' relationship satisfaction, but family responsibility and Religion predicted only wives' satisfaction. Modest sample sizes necessitate caution in interpreting results but suggest existing couple therapies might need modification to address the distinctive relationship standards of Pakistani couples.     

The effects of financial management strategies on quality of family life in remarriage

A conceptualization of financial management behavior in remarriage forwarded by Fishman (1983) is refined and used to study 91 remarried couples. Couples are categorized into three financial management strategy groups: those having only joint accounts, only separate accounts, and a combination of joint and separate accounts. The different groups' demographic characteristics and satisfaction and happiness regarding family life are compared. Overall few differences between groups are found on the demographic characteristics, and no differences are found on satisfaction or happiness. Her research interests are in remarriage and stepfamily relationships, fathering postdivorce, and stress and coping in adolescents. She received her Ed.D. from Indiana University. He received his M.S. degree in Human Development and Family Studies at Colorado State University, Ft. Collins, CO 80523. His research interests include factors affecting adjustment in remarriage and multiple remarriages and problem solving and creativity in families. before her death in December 1993. Her research interests were financial management and families in transition. She received her Ph.D. from the University of Tennessee at Knoxville.     

Becoming a Parent and Relationship Satisfaction: A Longitudinal Dyadic Perspective

This study investigated the extent to which women's and men's relationship satisfaction within couples is similarly or differently affected by becoming a parent and the extent to which changes in work hours and hours spent on household labor affect a person's own and his or her spouse's relationship satisfaction across the transition to parenthood. The authors conducted longitudinal dyadic analyses, based on 12 waves of the British Household Panel Study (BHPS). They selected 689 couples who remained together during the period of observation and who were employed, childless, and living with their partner (of which 28% married) at the first moment of observation. The results revealed that relationship satisfaction of both members in a couple changed in tandem. Although work hours and household labor had some effect on people's own and their spouse's relationship satisfaction, these factors did not account for the U‐shaped relationship satisfaction pattern associated with the transition to parenthood.     

Relationship satisfaction in lesbian couples: Review,methodological critique,and research agenda

ABSTRACT

There has been increased interest in and attention to understanding the characteristics associated with relationship satisfaction among same-sex couples. This review examines the individual, couple, and external factors associated with relationship satisfaction among contemporary lesbian couples, highlighting domains such as internalized homophobia, personality, communication, conflict, sex, stress, and social support. I discuss methodological concerns and future directions to advance research in this area.     

Perceptions and Practices in Independent Management: Blurring the Boundaries Between “Mine,” “Yours” and “Ours”

Research suggests that couples categorized as practicing independent management (IM) have a high level of independence and separateness regarding financial matters. However, this interview study showed that the boundaries between “yours” and “mine” regarding money, finances and consumption are blurred in couples categorized as IM. The blurring of boundaries reflected participants’ understandings of what it means to be in a committed couple relationship and the difficulties associated with having joint expenses and consumption while lacking a "common purse." The study indicated that couples might be less individualistic and private than the label IM suggests and that the practices of those categorized as using IM are varied and complex.     

A Simulation Game to Systematically Improve Relationship Communication*

The present study investigated a simulation game designed to improve relationship communication. Eight couples were treated for relationship difficulties by the use of the game. Before and after the game's use, the couples' communication behavior in the counseling sessions was sampled by audio recordings that were later rated by independent blind raters. The couples' out-of-session communication behavior was sampled by daily independent charting for a month before and after the game's use. A three-month follow-up of self-reported general relationship happiness and relationship communication satisfaction was included. Results indicated that in the counseling session sample, from pre- to post-game treatment, the couples' communication improved. The couples also recorded significant out-of-session communication improvements. Three-month follow-up indicated that the increases in general relationship happiness and relationship communication satisfaction were maintained.     

Gender equality in ‘the most equal country in the world'? Money and marriage in Sweden1

This article analyses how Swedish couples perceive the sharing of money and consumption between themselves and their partner. Interviews were conducted with ten Swedish married couples. Each spouse was interviewed separately about their incomes, financial organization, patterns of consumption, views about money and decision-making. Regardless of whether they pooled their incomes or kept money separately, all were in agreement about the importance of equal sharing and access to money and consumption. Despite stated goals of gender equality, however, consumption was not perceived as being shared equally. Two factors central to understanding this were the ways that daily finances were managed and the fact that women had responsibility for the daily finances of the family. Another important aspect was the ways that items of consumption were defined. Food and children's clothes were areas that were in a ‘grey zone’ regarding which money was used to pay for them, and they often fell to the woman. This practical responsibility and associated awareness of the family economy serve as obstacles to women's sense of entitlement and access to money for personal discretionary spending, a problem not experienced by men.     

Development and Validation of the Post-Dissolution Relational Communication Index

Relational dissolution is a distressing life event. Dissolution is further complicated when communication between ex-partners is inefficient, unpredictable, and strained. This examination uncovers the aspects of postdissolutional communication in a 2-part study. In Study 1, 271 participants experiencing a breakup completed surveys regarding their communication with an ex-romantic partner. The study empirically operationalizes these behaviors in the Post-Dissolution Relational Communication Index and reports on the factor structure, reliability, and convergent validity of the 2-factor solution produced. Both factors were significantly correlated with participants’ reports of communication satisfaction with a former relationship partner and the perceived seriousness of the relationship. In Study 2, self-reports from 151 participants who had experienced a divorce provided support for its use with divorced couples. A third factor was identified illustrating differences between nonmarital and marital ex-partners. Implications for postdissolution relationships and satisfaction with former partners are addressed. Furthermore, suggestions for practice are discussed.