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4 Tips To Help Having Difficult Conversations About Money

Sep 6, 2019Lifestyle

Talking about money can be one of the most difficult things to talk about. But the truth is that through your life, you will need to have a lot of conversations about money with a variety of different people. Some of them are going to be difficult to talk about money. For instance, having discussions about debt or not having enough money to do the things that you dream of can be hard, as well as talking about things like overspending if that is something that you do out of habit. Taking some time to tackle those difficult conversations that you have been meaning to have for a while is important. So here are some of the things that you need to know to help make it go as smoothly as possible.

1.  Get Prepared

When you are planning to have these difficult conversations, then it is such a good idea to prepare yourself ahead of time. It can be a good idea to plan out some talking points of the things that you want to cover so that you don’t forget anything. So think about where the conversation will be and who you think should be there. If you are planning to talk to your parents about the difficult topic of their will, for example, then planning precisely about who to have there is a good idea. Would you just have it as siblings or their partners too? It is important to plan things out, otherwise you might find yourselves in need of a contentious probate lawyer in the future. Just remember that it there is never going to be a perfect time to talk about these things, but being in a place where you feel comfortable is important. Do what feels right for you.

2.  Start It Right

Unless you are planning to sit down and you know what you are going to talk about, then it can be a good idea to start the conversation in a bit of a roundabout way, rather than just getting straight down to business. If you know what your first sentences are going to be then it can help you to feel confident in what you are going to do, so planning ahead and starting things off in the right way is really important. If you are dreading the idea of having to bring up a conversation randomly and out of the blue, then you could use the things that are around you to help you. For example, if you are watching a TV show and something with the same kind of situation comes up, then it can be a gentle way to talk about the situation and how it relates to you.

3.  Be Wary Of Emotions

When you are planning to have hard conversations about money, then it can be an emotional thing to talk about, as for a lot of people, it can be quite triggering as well as personal. But if you or one of you in the conversation was to get angry or too upset, then it could interfere with how the rest of the conversation goes and even the rest of the outcome. It can be really easy to bring up other things that are annoying you about a person or a situation, but it isn’t going to help anything move on or get sorted. So stick to the topic that you have in mind and that topic only, and it will make everything go better.

4.  Dealing With Negative Reactions

Not all of these conversations are going to go as well as you would plan. So even if things don’t go as well as you might have imagined, then you might find yourself getting a negative reaction, it is a good idea to try some different responses. If you are talking about something factual that they don’t agree with, then how about asking them why? If you feel that they have a point with what they are saying, then say so. If you actually disagree, then suggest how you could all move forward. Are you feeling like there is blame? If so, try to  figure out what really is the thing that is making them frustrated. Though that can be hard to do without getting defensive. Look at the things that you can both do to resolve certain issues.

To end it all, it is a good idea to acknowledge that the conversation has happened, and then you can recognise what the tough things were about it, and then you can highlight all the good things that came out of it and how you can all move forward.

What are your tips to help having difficult conversations about money?  Comment below!


[a contributed post]


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