first into the clinic — manuela construction manager and jackie a teacher. together, they are raising four children in suburban south florida. before they were married, manuel was one of the estimated 27 million americans without medical insurance. which meant that when he fell ill a few years ago, it was his finances as well as his health, that suffered. jackie is a great person. and i figured such a good person must make a great mother, and she does. my husband and i get along well, but we do have money worries. my husband had gotten sick three and a half years ago. he had over $100,000 worth of medical bills because he didn't have insurance. it was either paying the rent, putting food on the table or paying the medical bills, and we went through a really rough time. but... we're making it right now. i want my coin money. you want more money, too?

we have our ups and downs. we are still working on it. i am more of a saving kind of person. i think, on the other hand, i am a more of an optimistic person where i know it is coming in, i know what i can use out based on the budget, but then i kind of say, "oh, well, there's a little wiggle room over here also". what is that? you have to pay! i don't want to be controlled. obviously, every couple argues about money. you know, "why do you spend on this, you shouldn't have" you know, it's kind of, i think it is normal but i don't want to do it. jackie and manuel. welcome to the bbc money clinic. are you ready? yes, we are ready. please, go on through. thank you. how do you understand your financial habits? can you explain them to me? well, we've pretty much had

a lot of financial crisis with identity theft, credit card debt, also medical bills. my husband had gotten sick before, and that's when we really got into a financial crisis, was when he got sick and we both ended up out of work. 0h, goodness. and many different times, we had job issues in a sense of getting laid off or starting over, or having his own business. and things like that. and, are you working now? yes, yes. i'm working for the past four years nonstop. thank god. 0k. and how about you? i've been working now for the past three years, stable full—time as a teacher. ok, so you have six people in the family. yes, ma'am. it's a lot to manage. we still have a lot of arguments before about finances. that was pretty much the only conversations who would have — would be finances. i will come in with bags of groceries and he will ask me, "well, how much did at all cost?"

and i say, "don't worry, i used my account". it sounds like you're triggered by the interrogation you getting. well, when she answers it that way, then it triggers me. like, you just went to a register 15 minutes ago. imean... and then i rebuttal. "if you want to know the exact amount, go check". so, my first suggestion is that when you are triggered, it's probably not the right time to talk about it. "i know it is something you want to talk about, i will be happy to do so, but let me put the bags down and get some dinner and let's open the bank account and take a look". in the moment, i know that it's hard to do. i'm not going to hold it in. itell him. yeah, she's a very strong... character. right. i'm wondering about that. do you not see value in tracking? do i see the value in tracking?

i see the value in tracking. he can go ahead and go look and track. 0k. but i'm not going to sit there and give him an explanation of what ijust purchased. so, is it your position that you are operating within the budget with these purchases? that's what i say to him. yes and no. 0k. yes, because i use my account. but at the same token, no, i don't operate the budget because it is not something that we have planned on. if we are purchasing groceries, then he is questioning, "well, why did you have to go back to the grocery store again?" 0k. so this purchase in your mind, might be an extra? it is an extra. you got to the house and there is food. it might not be the food they want to eat at that moment, but there's plenty of food. and that is where, you know, my growing up and my background is completely different from her. you know, i'm cuban. i come from a country — i never had anything. so, to me... correct that. correct it. well, it's not that i didn't have anything. thank you. but i didn't have everything i wanted. there you go.

and me growing up, i didn't have everything either. maybe the thing to do is to view the budget as a living document. it's not something that is cut in stone. things happen. and you need to have potentially weekly or monthly or quarterly meetings to revise the budget. yeah, that's... i don't like talking. i set the budget. we sat down in january every year... in the beginning of the year, yeah. and we set the budget for the year and is cut to match in december. i will go crazy. i'm wondering if you agree that the budget is what it needs to be, because of the exercise he went there injanuary, and it was in your best interest to stay within these parameters. so if that is the agreement, then in any particular month, if for some reason you have exceeded the budget and, let's say the food area, then you have to consider that you are no longer have the opportunity to do that in the following month and something has to give. maybe you don't go to the movies or maybe the kids don't have snacks. and you make cookies that month.

and i'm ok with that. but then, jackie is not willing to — and i get it — to make the kids suffer for a bad decision. 0h, 0k. well... yeah, i have more of an emotional attachment. it has to be done on a developmentally appropriate basis, but children should be learning about these decisions, these choices. knock on wood, thank god, i know my kids, they don't hold themselves on the floor and the shopping centre. yeah, they don't. if they don't get their stuff. that is one thing that we taught them. so maybe they will understand a conversation where, "gee, we get more of these fun things last month, this is the monthly have to step back after those things". i think you can model that for them and they will reap the benefits when they are ordered. but as june was about to find out, jackie in manuel's fights about the budget are rooted in their own childhood experiences. his family was more dynamic stuff what the dad said went.

and my dynamics, it was more like what my dad said went, my mum would give a little rebuttal but then she would give in. and i hated that. and i would always argue with my mum i'm like, "why do i have to make this, have to do that, why do you have to go get him a glass of water he is right next to the kitchen". i don't want to do that. i see how this is a trigger for you, but when you think about it you really feel like you are not being heard from manuel? sometimes i do, and he knows it because i tell him — like every time we get to an argument about this, like every time it has to be something with money, it is my fault. and so he says, "well..." kind of like — if the shoe fits wear it. so. you know, that is why i feel controlled. so, standing up for yourself without putting your partner down is a skill that might benefit you. and it takes a lot of practise. it sounds like you have some practise from your original family, where you said, "no, why do i need to do that". that is kind of what i do with them. i keep telling her, you know, forget about your family.

it's important to validate that this is what she is experiencing, so. why am i going to follow somebody else's mistake? let me make my own. but when you make a mistake and i explain it to you, you don't change it. the next time we have a financial issue, it is the same thing. "well, i don't understand, why did you spend so much", so i would tell him, "0k, well, then you spend a week with the kids and see how much you spend and i will go work on it" and he says, "great! i will do that gladly". "well you go work like i work and i will take it, i'm sure i won't spend as much". this isn't very productive, is it? going back, when you are emotionally triggered it is not the time to have a conversation. but the process of calming yourself and then coming back is really a great skill. even the happiest and most successful couples argue. oh, yeah. so, learning how to argue and how to come back and talk about those issues is a great skill. yeah, that is one thing we have to learn which

will take care of it oi'i its own, is revisiting maybe two weeks later. two weeks later and maybe work it out. yeah, we usually don't. because we already talked about. and that is one thing, he doesn't like to repeat things. i don't. i don't mind repeating it for different ways. with me it is like, "let me explain why this happened or why a spent this also. and he is like, "but you knew, we are the talked about this". and that is my fault. i have got to be more lenient, i guess. lacen as well. yeah. where were the top tips for you? basically revisit instead ofarguing. take for you? basically revisit instead of arguing. take a breather. do what we have to do. you know, go on with life and then come back and revisit. the topic. and our feelings at a different time. and oui’ feelings at a different time. and our feelings at a different time. yet, take a break and then talk about money. another tip she also

gave us about money. another tip she also gave us was about money. another tip she also gave us was to revisit our budget. yes. if we spend more on a certain area. so we can yes. if we spend more on a certain area. 50 we can account yes. if we spend more on a certain area. so we can account for yes. if we spend more on a certain area. so we can account for it on the next month. i see. well, thank you very much for coming in. and best of luck for the future. all right. think you. thank you very much. good luck with the arguing, too. everyone's financial circumstances are different, so options that may suit some people may not suit others. we are in miami, where many people are latino, drawn to the promise of the american dream. but life here is expensive. in the us, the typical consumer has three credit cards on which they an average of almost six and a half thousand dollars. matteo, a card dealer and ariana, a business administrator arrived in miami two yea rs administrator arrived in miami two years ago from venezuela. ross

taylor ariana stayed home looking after their new baby until the couple ended relying heavily on credit cards. i met my wife on the beach. when i saw her the first time, my gosh, i am beach. when i saw her the first time, my gosh, lam in beach. when i saw her the first time, my gosh, i am in love. my husband has a really, really big heart. that was the main thing that i saw heart. that was the main thing that isaw in heart. that was the main thing that i saw in him. my wife is crazy about credit cards. i am always fighting with her. she has maybe ten or 11 credit cards. we have several discussions about that. maybe he thinks that we should save money and something, and then maybe i spend money. i work hard. something, and then maybe i spend money. iwork hard. i put something, and then maybe i spend money. i work hard. i put the money in her account. and she is managing everything. i want to go to money clinic because i want to know how to distribute my money, because i don't

wa nt distribute my money, because i don't want all my money goes to pay credit cards. i want to go to the bbc money clinic because i wanted to learn to ta ke clinic because i wanted to learn to take the decisions. oriana, hello. hi. hello. look into the bbc money clinic. thank you. thank you. do you feel ready? yes, we are ready. excellent. she is ready for you of laundry and good luck. thank you. thank you. is there something that you are struggling with that i can help you with? she is crazy about credit cards. what does he mean that you are crazy about credit cards? well, that ijust use a lot of credit cards sometimes. well, the la st credit cards sometimes. well, the last year i have to use it because we have to, like, cover some expenses. with credit cards. but we took that decision together. yeah, yeah. to give her in the house with the kid, and i work. you are more

savings than me. maybe i am more risky and are expensive. yet, compulsive. and now that you have a job, are you able to cover all your household expenses? yeah, of course. we want to save money for travel. well, this is very dear to my heart. i love to travel as well. really? but one of the things that i have learned is i have to give something up. soi learned is i have to give something up. so i cannot have everything. there are all these trade—offs. so this is a rate time to start thinking about your share of goals and what is important to both of you. and almost do a little bit of a ranking. the most important is pay the debt i think, so... so is the most important thing is to pay down the debt, it's a very important that you the debt, it's a very important that y°u pay the debt, it's a very important that you pay down as quickly as possible to avoid the interest. so when you think about your budget and where you're spending the money, is there someplace that you can take away to pay more of the debt? to be go out less ? pay more of the debt? to be go out less? i think food. pay more of the debt? to be go out less? ithink food. ok. we pay more of the debt? to be go out less? i think food. ok. we go to

restaurants. yeah. ithink less? i think food. ok. we go to restaurants. yeah. i think that. .. well, we can do it that i think, yeah. we can go out less, i think. right. so, ithink yeah. we can go out less, i think. right. so, i think it is important that you don't change your habits genetically because the generally people don't stick to them, it is a little bit like a diet. if you cut everything out there people later go back and go off the diet because they want sweet. so if you're going out every weekend, maybe cutting it back to every other weekend as possible. i'd never thought of the challenge of keeping to a budget as being like sticking to a diet before, but it makes complete sense. sometimes when people are trying to raise money, they have to say for at her and they have a listing of the money they have raised. you know, like a we had a goal of 100000 and we are now10,000, like a we had a goal of 100000 and we are now 10,000, 20,000. like a we had a goal of 100000 and we are now10,000, 20,000. and like a we had a goal of 100000 and we are now 10,000, 20,000. and you can do this at home on your fridge raider. "this is our trip fund" and he keeps growing. oh, that is good. and magnitude, the condition that obviously you are not adding to your debt, you're not paying with the credit card to put in the trip fund.

we don't want any debt growing at this point. yeah, that is important. iam this point. yeah, that is important. i am wondering if you truly understand debt and how much it actually costs you day in and day out, you're in and year out.” actually costs you day in and day out, you're in and year out. i was to pay off my credit card because i know the interest is a big amount right now that we are paying, so... so, you know, try to pay down the debt that has the highest interest rate first. and you can swap it into a zero interest rate card. it will buy you some time. oh, ok. that will be useful. i'm going to push her to do that. yeah. just watch that that'll make it retroactive at the end of the period. sometimes there are these little gimmicks where they will give you a zero interest rate, but after say 365 days, if it is not down to zero the balance, then all of the interest that had a cumulated for the prior year gets added to the balance. oh, ok. so i had to be, like that about that is the fine print that you have to watch for. 0h, 0k, print that you have to watch for. 0h, ok, i have to watch this.

print that you have to watch for. oh, ok, i have to watch this. do you sit down to budget or talk about your bills? i do the budget. mostly i managed all of my bills and the money in our home. yeah. i work, i put the money in her account and she is managing everything. but i want to participate more. when we, for example, take some decisions in the house. i think it is very important for couples to set aside some time ona for couples to set aside some time on a sunday afternoon, for an hour orso, and on a sunday afternoon, for an hour or so, and review it together. because it sounds like you have the expertise of following it with an worksheet and you are informed, but not an active participant. yeah. i advised that you set aside some very formal time and, you know, is also a window into who we are as people, how we handle our money. and so it may be a way for you to learn about each other in ways that you had not before. yeah. you should be more involved. yet, because i feelthat.

you might be on track, but it would be good to celebrate that, right? to sit down and to say "this is what we have accomplished and now this is where we're going going forward and check the travel fund to make sure it is going in the direction you wa nted it is going in the direction you wanted go in. yeah. what, for you, worthy top tips, oriana?|i wanted go in. yeah. what, for you, worthy top tips, oriana? i think that credit card, how to manage the credit card debt. yeah. and also how to save money for vacation. that is really good. it matters. for me, the vacation tip. excellent. i love that. something to look forward to, after a ll that. something to look forward to, after all your hard work, budgeting and paying off the credit card. yes. for sure. gene talked about having a regular meeting. are you looking forward to talking about money markus yeah, yeah, of course. we wa nt markus yeah, yeah, of course. we want to do that. i think it is going to be good for us to do that. yeah, we're going to apply that sure. hopefully the conversations will be more enjoyable, less arguing. yeah, yeah. yes. well, best of luck. thank

you. and building a future together. thank you. take care, buy. of course everyone's situation, personal and financial is their own, it is unique. some what may work for some may not work for you. but there are some principles that jean may not work for you. but there are some principles thatjean theurer says we can all follow. i would say it is threefold. very first thing to do is become much more aware of your spending habits. many people don't keep track of it and it is important that you do. the next is that you work with your partner in finding common ground. there are sometimes when you actually do share common values. and that is the first place to start because it is easy to and compromise along the common values. but then again, also make room for those differences. so that the other person feels that they are respected and honoured. and then lastly, do all those within the framework of some sort of system. be intentional about having meetings, rather do

that whether weekly, monthly or quarterly, make sure you sit down and review what has happened in the past but also talk about how you're going to go, was the goals in the future. so it takes work. yes, but it doesn't always have to be work. you can enjoy yourself at the same time by learning about each other. that's it from the bbc money clinic, here in miami. hello. friday's thunderstorms brought to an end the heat wave which lasted most of the week across parts of england. temperatures above 30 celsius for the wild. this week and will be much cooler, particularly where it has been so hot. there will be wet weather at times, preserve and we have had recently, too. look and feel to the weather this weekend is quite different from what we have been used to as low pressure to cover for a wild. another one coming into part two of the weekend on sunday. we will start was that today's weather and still to begin with, some heavy and still to begin with, some heavy and sundre ran around, especially

through eastern parts of scotland. clearing northwards, sunshine and showers following behind but some of those heavy and sundre the digitally into northern ireland. temperature colours indicating that temperature drop off at most noticeable where it has been so hot. into east anglia, even though 25 celsius it is still possible. most into the high teens and low 20s, still some sunny spells around, but it is easier than it has been an impact on sunday as we watched this next weather system come in, the winds pick up a bit more. so blustery day on sunday. gusty winds around, too, within area of rain that could be quite heavy at times. lifting north and east during the day. a few early showers may be an orphan scotland, late on before we to proper rain. as it moves on through, behind it sunshine and showers. average wind speeds on sunday, those will be higher perhaps around 40, a0 sunday, those will be higher perhaps around 40, 40 five miles an hour. —— 45. temperatures are down a little bit further. mostly high teens to

around 30 celsius. as we go into monday, low pressure is still in charge of our weather. it is going to plug itself towards the northwest of us for a few days into the new week, and around that we will see reina showers at times. north to northwest, it is northern and western areas that will see most of the reina showers. not going to be wet all the time on monday, but the afternoon delivers quite a bit of try weather and some sunshine. it is like to feel a little bit warmer and the sunshine as well. breezy, mind you. not perhaps quite as windy as it was on sunday. then on tuesday, here is your area of low pressure. northern and western areas of seeing a few showers. there will be one or two dotted about elsewhere, but very hit and miss. there will be some funny hit and miss. there will be some fu n ny stuff, hit and miss. there will be some funny stuff, too. still the wind arrows indicating a pre—teenager to our weather. lasting into tuesday as well. to purchase mostly high teens, low 20s, but east anglia and selfies approaching the mid—20s. although by wednesday, low pressure is beginning to pull away from us. there will

still be a few showers to be had. some of those will be quite heavy in northern and western parts of britain are most prone. those are your temperatures. now he we go towards the end of the week, it looks like i will start to fight back. further north you are, the area still a chance of a few showers, but with high—pressure building backend, that should be settling things down once again. mainly dry and warming up in the south as well. this is how next week is shaping up. an unsettled start with low pressure in control, position of the low pressure means northern and was to parts of britain and most likely to see occasional wet weather, but showers will be adopted. breezy, too. with high—pressure returning, it will be worming up in the south again later in the week and at times or settled. we showed you this picture. no rain for more than 50 days. it has now had some rain. some others elsewhere that have been very dry had some rain. enjoy this while it lasts. it looks like it settles down and warms up looks like it settles down and warms up again next week. the prince of wales tells an inquiry

he never sought to influence a police investigation into an anglican bishop convicted of child sexual offences. prince charles had a long—standing friendship with peter ball, who was jailed in 2015. the prince said he felt deep personal regret for trusting peter ball when early reports of abuse emerged. the enquiry heard extract of the correspondence between the prince and peter ball, we will be asking how embarrassing revelations are for prince charles. also tonight, president tromp hailed the strongest us economic growth four yea rs. strongest us economic growth four years. —— president tromp. we are the economic envy of the entire world. when i meet the leaders of countries, the first thing they say, invariably, is, "mr president, so nice to meet you. congratulations on your economy."