have been w??? 5,913 e» {mw n“ them. there have been dramatic changes in the weather. we would love to see more fantastic pictures. this weekend, blustery with chalice and for more of —— many of us it is actually heavy showers. a new weather front heading into us tonight, bringing blustery and wet weather to south—western areas. still 2a degrees this afternoon in east anglia, but many of us in the teens. cooler in northern ireland. this is the weather coming in through tonight through the south—west. we could see heavy rain sweeping in by sunday morning. by the end of the night, still mild in the end of the night, still mild in the south that 10 degrees in the north. tomorrow, a wet day across some parts of the country, and windy, too. hello this is bbc news. the headlines: mps have warned british democracy is in crisis because of targeted campaigns of hate and misinformation on social media.

welcome relief for some as the cool air arrives — but strong winds could cause travel disruption as temperatures drop across the uk. the chief constable of the west midlands admits his police force is, at times, providing a poor service, and apologises an international arrest warrant has been issued for a man who killed a woman in a speedboat accident on the river thames in london in 2015. and australian sailor wendy tuck has become the first female skipper to ever win the clipper round the world yacht race. now on bbc news, the money clinic travels to miami, to speak to young families struggling with the cost of living. we're putting money and relationships under the spotlight. many of us find it hard

to talk about money. even with those we are closest to. and that can turn into a big problem. it sounds like you're triggered by the interrogation that you are getting. when she answers it that way, then it triggers me. in this programme, couples will open up to an expert, to try to get a better understanding of their finances. their emotions... i'm not going to sit there and give him an explanation of what ijust purchased. and one another. we can deal with that. it's time to open the doors to the bbc money clinic. welcome to miami in the united states. on the surface, this looks to be a city of opportunity. but for many people, wages are low and prices are rising. we brought the bbc money clinic

here to find outjust what problems finances cause in the sunshine state. seeing the couples in the bbc money clinic today is financial therapist jeanne ferrer. she's a certified financial planner and a family and marriage counsellor. can love and money mix? absolutely, it's just that sometimes people need some help in mixing the two. why do we find it so hard? i think because money is a window into what we value and that can be a difficult conversation to have, one, if you haven't thought very clearly about your value, and two, if you and your partner have different values. where do we get our money values from? generally, the largest influence of our forming money messages is our family at large and people we grew up with, our mother, father and society that we associate with when we were children. so does that mean if your parents were careful savers, then you will be a careful saver?

not necessarily. it may be you actually reject the message and become more carefree with their money. so it's an influence. it doesn't mean it is a control. what happens if you get married to somebody who has completely different money values to you? it's my experience that you generally don't marry somebody with completely different values. generally there is some common ground. first into the clinic — manuel a 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 in 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". so then he will turn it into kind of like a joke like, "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 on 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.

listen as well. yeah. what were the top tips 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. yeah, take a break and then talk about money. another tip she also gave us was to revisit our budget. yes. if we spend more on a certain area. 50 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. thank 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 0riana, a business administrator arrived in miami two years ago from venezuela. —— five years ago. 0riana 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 in love. my husband has a really, really big 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. 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 want all my money goes to pay credit cards. i want to go to the bbc money clinic because i wanted to learn to take good decisions. 0riana, hello. hi. hello. look into the bbc money clinic. thank you.

do you feel ready? yes, we are ready. excellent. she is ready for you of laundry and good luck. 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 last year i have to use it because we have to, like, covei’ soitie expenses. with credit cards. but we took that decision together. yeah, yeah. to give her in the house with the kid, and i work. —— keep her in the house. 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. 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 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? i think food. 0k. we go to restaurants. yeah. i think that... well, we can do it that i think, yeah. —— deal with that. 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 isa 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. —— they — — they have —— they have a monitor. you know, 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. 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. 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. 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 ca rd. it will buy you some time.

0h, 0k. 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 acumulated for the prior year gets added to the balance. 0h, 0k. so i had to be, like that about that is the fine print that you have to watch for. 0h, 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. iwork, 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 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. yeah, because i feel that. 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 wanted go in. yeah. what, for you, were the top tips, 0riana? 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 all your hard work, budgeting and paying off the credit card. yes. for sure. jean talked about having a regular meeting. are you looking forward to talking about money more? 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 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 do towards 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. a big change in the weather this

weekend. we have lost the heat and humidity and replaced it with something much fresher, much windier, and also further showers and longer spells of rain. some rumbles of thunder flashes of lightning through today, particularly across parts of scotland, wales and south—west england. this front is pulling away north and you twits. the heaviest rain across northern ireland and scotla nd rain across northern ireland and scotland through this morning and into the afternoon. further south, sunny spells and quite frequent showers, particularly for wales and south—west england where we could have some thunder and lining, also across parts of scotland. further east across central and eastern parts of england, fewer showers, but nowhere in newton. everywhere will notice the strength of the wind. these are mean speeds and the dusts will be fast, touching 50 mph for southern and western coasts. we will notice the drop in temperature. 10-12dc notice the drop in temperature. 10—12dc lower compared to recent

days. 2h 10—12dc lower compared to recent days. 2a or 25 for east anglia in the sunshine, but italy 18—22dc and quite a cool day for northern ireland, given the rain and wind. further showers around this evening. most will fade but we'll keep persistent rain across north—west scotla nd persistent rain across north—west scotland and another spell of rain arriving into wales and south—west england later in the night. foremost a cooler night, fresher and more co mforta ble a cooler night, fresher and more comfortable with lows between 11 and 16 celsius. quite a messy picture tomorrow. more rain to come, notice the squeeze on the isobars. 0nce again very windy. northern ireland potentially having a dry day. less in the way of rain. you can see heavy and persistent rains treasure from south—west england and wales and up into the midlands. that will continue north and eastwards. dry across scotland for a time, before rain arrives in the afternoon, notice the strength of the wind. just to get up to a0 or a5 mild per hour. biglia for southern and

western codes. noticeably windier than has been for some time. a fresh feel, 17—22dc the top image of foremost on sunday afternoon. next week, showers around on monday, tuesday and wednesday, not nearly as hot as it has been recently. later in the week it has dryer and those tempted then start rise again. —— temperatures start to rise again. this is bbc news. i'm chris rogers. the headlines at 2: travel disruption at airports, on the roads and the channel tunnel, as the recent heatwave continues to cause problems. some ryanair flights from stansted have just been cancelled. mps warn british democracy is in crisis because of targeted campaigns of hate and misinformation on social media. the chief constable of the west midlands

admits his police force is occasionally providing a poor service — and apologises. we are incredibly busy at this time. level of calls we receive in the summer level of calls we receive in the summer of very challenging. sometimes that service we provide in the peak times doesn't meet the service people expect. also coming up — australian sailor wendy tuck has