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Your money want to stay together dont mess with the hair budget

´╗┐Here's a little marital tip: When financial experts say couples should compromise on absolutely everything, there are times when you just need to split hairs. For instance, just try to tell your spouse how much he or she should spend on getting their hair done. Guaranteed nuclear war. I asked my social media followers about the way couples should handle the significant costs of getting one's hair done, and the reaction was fiery. A sampler: "There are some things you don't share with your spouse, and hair cost is one of them.""It costs to look this good ... and no, hubby doesn't need to know, nor does he ask.""Smart husbands don't mess with the hair-doing budget.""Two things men should only address if they have something good to say: hair and weight."

Haircare, in particular, seems to be an intensely personal subject for couples. Throw money concerns into the mix, and it can lead to the financial equivalent of a really bad hair day. Indeed, financial arguments are by far the No. 1 one predictor of divorce, according to research by Sonya Britt, a professor at Kansas State University. There is no doubt the costs of haircare can add up, and quickly. U.S. spending on hair services in 2014 amounted to a record $46 billion, estimates Parsippany, New Jersey-based consulting firm Kline & Co. The average salon client drops $67.17 per visit for hair services, according to American Salon's Green Book industry report. That's a repeated cost, of course, with men going to a stylist 11.2 times a year on average, and women dropping in 12.9 times annually."As a woman you grow up feeling like expensive hair treatments are mandatory, almost like you're being shamed into it," says Dr. Phoenyx Austin, a fitness expert in Washington and author of "If You Love It, It Will Grow" and the children's book "Love Your Hair."

"You don't want someone telling you you're spending too much money. It's a very touchy subject."That said, Austin says the final tab can easily get "out of hand," when you are combining pricey appointments with expensive take-home products. She knows of women who spend up to $1,500 a month on their hair. ELABORATE PROCEDURES

Costs can disproportionately affect minority communities, where haircare procedures tend to be more elaborate. The average cost of getting extensions or weaves, according to the Green Book: A whopping $487.25 every time, up $137.29 in a single year. Austin, who is African-American, went for a more natural look years ago, which saves a ton of money on processes like chemical straightening. But if times are tight and there is room for your family's salon budget to be cut back, she advises that you look in the mirror first."The worst thing is to come at your spouse complaining about a salon bill, when you're shelling out lots of money on other stuff," she says."Make sure to frame the discussion that any cutbacks will go into family savings, or to your kids' college. That's a good way to massage it into the conversation."Samantha McGarry once went into battle on the subject, and the skirmish was brief and decisive."At one point, my husband said something about the cost of getting my hair done," says the 47-year-old public relations executive from Framingham, Massachusetts. "So we had a little conversation, and now he knows to focus on other areas."If times got really tough, McGarry would find room to trim spending and try more do-it-yourself coloring jobs. Truth be told, McGarry doesn't spend crazy amounts on her hair: $120 every now and then on a cut-and-color. She certainly does not want that budget shorn."It's about feeling beautiful, it's about having 'Me Time,' it's about all of that," McGarry says. "Spouses should probably steer clear in order to keep the peace."

Your money yes, financial resolutions for the new year do work

´╗┐(The writer is a Reuters contributor. The opinions expressed are his own.)By Chris TaylorNEW YORK Dec 9 We all know the drill by now: Make a New Year's resolution to lose weight or reduce spending or finally finish that novel. Fail in miserable fashion. Feel bad about yourself and scarf down a tub of double-chocolate ice cream. It is enough to make you want to throw your hands up and not make resolutions at all. Like Cheryl Chen, a freelance writer in southern California."I used to do New Year's resolutions, and then never kept them," said Chen, 27, who stopped making resolutions altogether around three years ago. "I don't see the point in all the pressure. Everyone is always asking about them."But before you swear off resolutions forever, check out new data from mutual fund manager Fidelity Investments. Fidelity's just-released New Year's Resolutions study discovered that making financial resolutions does, in fact, help get your fiscal house in order. In fact, of those who nearly or completely achieved their resolution for this year, 56 percent said their finances had improved. Of those who fell short, only 34 percent reported better money circumstances.

"Financial resolutions are actually relatively easy to achieve," said John Sweeney, Fidelity's executive vice president for retirement and investing strategies. "With diet or exercise, you have to get up every single morning and resolve all over again, but with something like a 401(k) payroll deduction, you just set it up once at the beginning of the year, and then it becomes part of your lifestyle."In the Fidelity survey, 37 percent of those surveyed planned on making financial resolutions for Jan. 1, up from 31 percent last year. The top three financial resolutions: "saving more," cited by 54 percent of respondents; "spending less," with 19 percent, and "paying off debt," with 16 percent.

The secret fears driving those money resolutions? Most said unexpected expenses, the economy and healthcare costs in retirement. All the financial pledges in the world will not mean a thing if you have no firm strategy for how to pull them off. So how do you go from resolution to actual achievement?It comes down to forming an action plan.

"If it's a few seconds to New Year's and you're just throwing something up in the wind, then it's not going to work," said Dr. John Norcross, a psychology professor at the University of Scranton who has conducted multiple studies on the subject. "It requires preparation. You have to be serious about the endeavor."For those who are dedicated to their goal, the statistics are pretty impressive: Norcross found that 46 percent of people were able to keep their resolution for at least six months."We actually stopped doing the study, because we found the exact same thing every time," Norcross said. "People should be comforted that achieving your resolutions is possible."His main trick for success? Deliberately design your life so that you are more likely to succeed and not just rely on willpower alone. That means making realistic and attainable goals, publicly declaring them so that others will encourage and help you, and rewarding yourself for your successes. It also means tracking your progress, avoiding environments where you will fail