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Everyone needs true love, it feeds you more than any nourishment; you feel full in the presence of love. But there’s a vast difference between love and true love. True love knows no depth. It’s an endless tunnel that sweeps you up in the whirlwind and you’re never quite free from it. It stays with you. And you hope this person will too. Falling in love is similar to falling in a big pool of warm chocolate. It’s exciting, warm, and engulfing.

Falling in love is probably the best thing that can emotionally happen to a human being. It’s a wonderful feeling. It's euphoric, the high that you never want to come down from. You’re happy, at peace, and satisfied with your partner. No, that is an understatement, this is :the one". "The one" you've dreamed of, the one you dream with, the one you dream for and act those dreams and fantasies out with.

There really isn’t anything better - emotionally - than falling in love. In fact, it affects us physically and mentally as well. The irony is that it sometimes causes us to make "goofy" mistakes. I like to call it the "Hitch effect". Yes Hitch, like the movie starring Will Smith. If you've seen it remember how he was perfect with his words, actions, and guidance, that is, until he fell in love himself. That's when he made his mistakes which was comical to watch. 

However, I find truth in it, we may be the best wordsmiths, planners, organizers, etc. So well put together, until we meet our match, our true love and "fall". We become tripped up, tongue-tied, and even down right "stupid". It's really intriguing the way the heart, body, and mind works. I like to think it's our way of showing "the one" our flaws so they know what and who they are receiving with no filter. So they can accept us for us, if they are our "True Love" they should reveal theirs as well and we find a certain peace within this bond of calamity.

It's really indescribable like the feeling of creating a child. You’re passionate, caring, and more protective of your partner. You want them all to yourself. It feels like you could live with this feeling forever. You change and become a better person, for that person. In fact, you become a part of that person as they become a part of you. Aspiring to live as one, flaws and all happily ever after.

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Credit counseling can be a great resource for many consumers. Speaking with a certified credit counselor can give consumers many tools; smart budgeting techniques, the ability to understand their credit reports, and perhaps most important, assisting them in getting back on the track to financial wellbeing. 

As appropriate, a credit counseling agency can enroll a consumer in a Debt Management Plan (DMP).  With the approval of the consumers’ creditors, the consumer is enrolled in a repayment plan to repay debts in full. In return, the consumer will likely receive a reduction in interest rates on their debt as well as the cessation of late fees. Plans are typically set to be repaid in five years.

But credit counselors do much more than that. They provide counseling on various types of debt, including student loans and mortgage debt. While credit counseling agencies do not lend money, counselors can certainly walk a consumer through a budget to ensure the consumer can afford payments for the loan s/he is applying.

You visited   because you want to improve your love life. Visiting is the best thing you can do to improve your holistic financial wellbeing. 

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How Financial Literacy Can Improve Your RelationshipsFinancial Literacy in Relationships

The impact of financial literacy in relationships is oftentimes underestimated. It is

detrimental to a relationship if there is lack of understanding or appreciation of financial

principles by either party. In fact, studies have shown that financial issues are the

leading cause of stress in relationships. One survey conducted by SunTrust Bank found

that as many as 35% of respondents believed that money was the major cause of

friction in their relationship. Another study indicated that couples who fight about money

early in their relationships. Regardless of their debt burden, income and net worth, were

more prone to divorce. In many cases, the cause of financial tension in a relationship

stems from impaired financial literacy by both or either partner.

What is Financial Literacy?

Financial literacy is “the possession of knowledge and understanding of financial

matters.” This understanding of financial principles can improve the relationship

between couples. Without a proper understanding of how money works, people are

likely to make poor financial choices. In a relationship, poor financial decisions not only

affect the decision maker, but also affects the other partner as well as all other family

members, and especially children. However, if both partners have a clear understanding

of how their financial choices affect things. It is more likely that their decisions will have

a positive impact in the relationship.

Financial Literacy Makes For Relationship Literacy

Often times couples do not agree on financial matters because of differences in

socialization and differences in belief about how finances should work. Financial literacy

can help individuals to gain knowledge about concepts such as saving, debt

management, investing, preparing for retirement, insurance and so on. With increased

knowledge in each of these areas. Couples are more likely to agree of what are the right

decisions to make in order to end up in a better financial position.

To learn more about financial literacy visit our friends at Daydream Financial or Financial Counselors Association of America

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