Let Love Shine This Valentine's Day: 6 Ways to Stop Arguing About Money (The #1 Predictor of Divorce)

    SANTA MONICA, CA, February 14, 2015 /24-7PressRelease/ -- Was your last argument about bills? Sadly, money issues are the #1 predictor of divorce, according to Sonya Britt, a Kansas State University researcher into longitudinal marriage issues.

"Life math in today's world doesn't add up," according to Natalie Pace, best-selling author of The Gratitude Game: 21 Days to a Healthier, Wealthier, More Beautiful You. "Over 7 million homes were lost in the Great Recession and 1/3 of Americans are being chased by a debt collector. Millennials are earning wages from two decades ago, while expenses have quadrupled. Clearly, we need a new plan - particularly if we want to have a more harmonious relationship with those we love."

Money is one area where getting a better strategy is more important than getting a better therapist or buying a box of chocolate. All the talking in the world won't save your home or reduce your debt. However, a few quick, bold and courageous fixes to your budgeting and investing strategy could protect your assets, increase your estate, reduce your debt dramatically and create a more sacred union and sanctuary home at the same time.

6 Ways to Fix Your Money Arguments and Let Love Shine This Valentine's Day

1. Health is the Best Health Insurance. Are you paying an arm and a leg for health insurance even though you rarely get sick? Opt for a Health Savings Account and a high deductible plan. You'll save thousands on your insurance, take thousands in a tax credit and start amassing a bigger net worth.

2. Get the Mitt Romney 14% Tax Plan. Billionaires pay lower taxes because their income comes from investments, not working. You too can start on this plan. It's not more time or money to invest in your 401K, IRA, HSAs and college funds. It's less money to the taxman and money while you sleep. Did you know that if you invest 10% of your income in an IRA and that earns a 10% gain (what stocks and bonds have done for the past 30 years), you'll have more money than you earn in 7 years and your money earns more than you do in 25 years?

3. Life Math. Are you riding the Wall Street rollercoaster? Are you a boom/bust investor? Do you blame your spouse for making bad money decisions? It's time to get the life math that we all should have received in high school (but didn't) in debt reduction, the Thrive Budget, real estate, stocks, bonds, gold and even how to reduce your energy bill by up to 90%. Once you get smart, you'll never be vulnerable again.

4. Reduce Your Electric Bill By Up to 90%. This can be done without any change in lifestyle. Why heat the water heater (or your home) while you are asleep or at work? Install a timer and save thousands each year on electricity. You don't keep the lights on 24/7, so why are your computer and cell phone charger plugged in all of the time? Is it time for rooftop solar? Get 31 Energy Saving Tips by calling 310-430-2397 or emailing info @ NataliePace.com.

5. Stop Making the Landlord Rich. Interest rates are still at historic lows, while coastal real estate has become unaffordable. Most people have credit scores that limit their ability to rent or buy. Today's real estate is more difficult to navigate. There are solutions, but you have to get creative. By partnering with others, you can leverage your collective assets and wisdom for mutual gain. By getting creative about where you would like to be living in 10-15 years, or by becoming a landlord, you can purchase an affordable home that you can rent out for a good annual yield that is safer than most other investments.

6. Debt Reduction Strategies. If you're getting your debt reduction strategy from the debt collector then you are making the bank rich at your own expense. While reducing debt is important, providing for yourself, your family and your future are your #1 concerns. This requires paying yourself first, learning how to compound your gains, protecting your assets from financial predators (including debt collectors), adopting a sustainable budget and reducing debt - not just paying down debt.

Natalie Pace's bestsellers The ABCs of Money and The Gratitude Game: 21 Days to a Healthier, Wealthier, More Beautiful You offer the tools, information and action plan to shift out of money problems and into the Valentine's Day and relationship of your dreams.

The Gratitude Game: 21 Days to a Healthier, Wealthier, More Beautiful You e-book is currently being offered for just 99-cents, so that those who need this information most can get it at a price they can afford. The ABCs of Money is currently available for free on Amazon.

Natalie Wynne Pace is the bestselling author of The Gratitude Game, The ABCs of Money and Put Your Money Where Your Heart Is (aka You Vs. Wall Street, in paperback). The ABCs of Money has been ranked at or near #1 Investing, Basics (free) on Amazon for over 18 months (since March 31, 2013), with over 125 reviews, of which almost half are 5-star. Natalie Pace has been ranked a #1 stock picker, and is a repeat guest on national TV and radio shows such as CNBC, Good Morning America, Fox, ABC-TV, Forbes.com, NPR and more. Her budgeting and investing strategies have saved homes and nest eggs for more than a decade. Her mission is to add a splash of green to Wall Street and transform lives on Main Street. As a strong believer in giving back, she has been instrumental in raising tens of millions for public schools, financial literacy, the arts and underserved women and girls worldwide.

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