Monthly Archives: April 2012

WHERE’S THE REMOTE?!

WHERE’S THE REMOTE??!! Some of you might have watched the coffee creamer advert on TV where a husband literally ransacks the kitchen looking for his favourite creamer. He goes through the cupboards and rummages through the fridge only to have the wife shout from the next room, “It’s not inside – it’s on top.” It is not IN the fridge but ON TOP of the fridge. How relieved when he grabs the creamer container. Today that scene is oft repeated – not in the kitchen – but in the lounge. The man of the house is frantic. He crawls on all fours. He shifts the heavy sofa effortlessly, first to the right and then to the left. Picks up and inspects under every cushion.  He is now breathing heavily and comes just short of cussing while demanding, “Where’s the remote”, “Who took the remote”, “Who touched the remote”, “Who removed it from my arm rest?” You walk into the lounge and pick up the remote from the TOP of the TV and hand it to him with a meek, “Here it is – it’s on top!”. He takes it from you. He is angry. He does not even attempt to mutter a “Thank …

DEBT MUST NOT DESTROY YOUR MARRIAGE

You ignore common sense at your own peril. Most young couples return from their honeymoon to face a Kilimanjaro-high mountain of debts. You budgeted for 150 but 372 people turned up. You now owe the caterer for the additional mouths. You only paid the deposit for the function venue. You paid half-down for the marquee/tent. The florist allowed you to have those additional arrangements for payment after the wedding. The photographer will only deliver the photos on full payment. The list goes on… The anticipated windfall from guest presents did not materialise. Many of those who attended gave all sorts of household gifts – most of them unwanted (including 41 coffee mugs!!) – instead of cash. The $2190 received as cash will only cover a small fraction of your wedding debts!! What to do? Sit down with your spouse. Tally all the debts to ascertain the extent of your indebtedness. (No need to argue now!!) Assess each of your creditors. Agree on which debts to work on first. Engage all the creditors and apprise them of your situation. Seek to buy time. Negotiate for terms. Will they accept part payments? Where you can consolidate your debts, it is advisable to …