How to create peace out of potentially difficult money situations this holiday season

By Christine Arylo

When you get down to what separates great, long-lasting partnerships from ones that start with the best intentions but fizzle out over time, there are a few very basic rules and behaviors that while seemingly common sense, most people don’t have a clue how to go about.

One of the most vital is HONESTY. When life is smooth, honesty is easy. It’s when the bumps come up that the temptation to fib, to disguise or avoid the truth seem like the simplest path. But over time, little lies build to bigger lies and resentment – neither of which you want hanging around your relationship.

Especially with the holiday’s coming up, you could find yourself in all kinds of sticky situations that take your peace on earth and turn it into a whopping fight.

Here are some simple ways to make sure you keep Money Peace flowing in your relationships this holiday season:

Say You…
• Spend a chunk of change without consulting your partner
• Blow the budget you both agreed to
• Put something on credit when you’ve agreed you are paying off your debt

What NOT to Do…
1. Hide the bill and pray he/she never finds out.
2. Feel guilty, wait for them to figure it out and beg for forgiveness.
3. Sneak your misdemeanor into another conversation or get to them while they are busy or distracted.
4. Fess up but slough it off as not a big deal, you’ll find the money somewhere, after the holidays!

To Create Money Peace
1. Admit to yourself that you acted outside of the agreements you had with your partner. You have to accept responsibility with yourself that your action was outside of either a stated or implied agreement (we always recommend having explicit agreements about money choices.) Face the music. Say out loud to yourself, “I chose to XX and I know that my action was outside of our agreements / expectations of each other.” And then take a deep breath (don’t skip the breath, it’s important to releasing your own emotions!) Coming clean with yourself will feel good and erase some of the guilt or apprehension. You can’t be honest with your partner if you aren’t first honest with yourself.

2. Plainly and succinctly take responsibility with your partner and then tell them the facts. This is not the time to go into some long story to justify your actions. Just own what you did, not with guilt but with honesty. First, ask for his/her attention to talk about something important. Second, state that you broke an agreement. And third, tell them the specifics. “Joe, I broke our agreement about making big purchases without talking to you about it. I bought XX today for $XX.” Then shut up.

3. Let your partner react. Before you get to the “Why” (which in your mind may either have been a good or bad reason) your partner will need to have their emotional response. Seriously, it’s the least you can do. Your job is just to listen. Let them have whatever feeling they have. Don’t try and defend yourself, unless you want to create a fight. This is also not the time to explain why. Just listen. If in your partner’s reaction, they ask why, include your response as part of step four, after you own it. (Note to Partner… You are allowed to honestly react but not to bludgeon, scream, attack, tear apart or try and make your partner – who is trying to be honest with you -- feel guilty or ashamed. You can be angry but you still owe this person your respect and unconditional love. Be angry at the action, not the person… and DON’T take it personally, their action was not a personal attack on you.)

4. Own your action again, apologize for breaking the agreement and then, finally, you can share… not your defense but your heart. Your simple response is, “You are right. I acted outside of our agreement. I am sorry.” Let that apology land. Then take a breath and say, “I’d like to share why I made this decision…” and then share with them, from your heart what motivated you to make the choice to spend money this way. Be vulnerable. Do not get defensive. Do not bring up any of their actions from the past to throw in their face. Remember, the two of you are on the same side, and have committed to helping each other be the best people you can be.

5. Create Conscious Next Steps.
i. Discuss the “Now what?” Come to agreement on how you manage any financial stress this may cause, and work together to make it work.
ii. Create an agreement or modify the previous one. Converse about what really works for you both and talk about it until you both feel really good.
iii. State your agreed to expectations out loud. This will make sure there is no confusion, and will eliminate the need for any secrets.

And my favorite last step to this whole process…

Pinky Swear on your agreement and then seal it with a smooch!

SPECIAL WAY TO AMP UP YOUR MONEY PEACE… Keeping the Money Peace isn’t always easy, but it is doable when you have the right mindset and some simple Money Zen skills of your own. To amp up your Money Zen skills, check out a MONEY PEACE POW WOW between Christine Arylo and her Money Dream Team – a spiritual minister, a Harvard PhD Economist, a serial entrepreneur and a MBA former financial analyst. Anyone can listen and discover how to kick money fear out of your relationship and your life. GO HERE TO ACCESS THE CALL

Author's Bio: 

Christine Arylo, an m.b.a. turned writer, speaker and teacher, is an inspirational catalyst who teaches people how to put their most important partnership first, the one with themselves, so that they can create the love and life their hearts and souls crave. The popular author of Choosing ME before WE, Every Woman’s Guide to Life and Love, Arylo is known as the “Queen of Self-Love.” She created Madly in Love with ME, the international day of self-love (Feb 13), dedicated to making self-love a tangible reality for women and girls around the world. Check out her free Self-Love Kit at