wet, windy and fresh, all words we have not heard much of this summer, thatis have not heard much of this summer, that is what we have seen today. our weather watchers have been sending in photos. this has been sent in of cumbria. it is fairly great. and this is a soggy looking garden in epsom. this rain is thanks to two areas of low pressure. the first one has cleared out towards the north and the west, this one is bringing the bulk of the rain and the windy weather. gradually work its way north east as we move through the day. overnight the rain finally clears the north east and there will be some clear spells for a time, but showery outbreaks pushing in from the south west in the early hours. still a fairly brisk south—westerly breeze. temperatures in the south not getting much lower than 18.

further north little bit 9—13. this is how the pressure chart looks as we move into monday. still seeing that showery hermas and we still have some weather fronts and we could see spells of more prolonged rain in the south—east of england, but brightening up into wales, the midlands and yorkshire. for northern ireland and scotland, sunny spells and showers. the odd rumble of thunder cannot be ruled out. a maximum of 25. for tuesday many people start off on a fine and dry note and patchy cloud bubbles up and one 01’ note and patchy cloud bubbles up and one or two note and patchy cloud bubbles up and one 01’ two showers note and patchy cloud bubbles up and one or two showers in the western powers of wales and the south—west of england. in northern ireland and scotla nd of england. in northern ireland and scotland outbreaks of rain moved into the west. highs of around 25. this is how it is looking as we move into wednesday. a fine start again,

but we have got wet and windy weather moving into northern ireland and western parts of scotland. a maximum of 27 degrees in the south—east. we start the week on a fairly fresh note. there are some showers in the forecast, but it is gradually warming up through the week and in the south east we are looking at highs of 30 degrees by friday. hello, this is bbc news. the headlines this hour... emergencies have been declared in northern california as wildfires continue their rampage through the state, killing five people, destroying hundreds of homes and causing 40,000 people to flee. online trolls who intimidate election candidates or campaigners could be barred from public office. the government's considering the move after a parliamentary report found social media abuse was rife in last year's general election.

a powerful earthquake has killed at least 1a people on the central indonesian island of lombok — officials say widespread damage has been caused. qatar denies accusations of running a secret campaign to undermine rival countries during the bidding process which led to it being awarded the world cup in 2022. now on bbc news, the money clinic travels to miami to speak to young families about the cost of living. we are putting money and relationships under the spotlight... many of us find it hard to talk about money. even with those we are closest to you and that can turn into a big problem. it can trigger

me. in this programme couples open up me. in this programme couples open up to an expert to get a better understanding of their finances. she isn't crazy about credit cards. their emotions... i'm not going to sit there being given an explanation of what ijust purchased. and one another. we can deal with that. time to open the doors to the bbc money clinic. welcome to miami, in the united states. on the surface, this looks to bea states. on the surface, this looks to be a city of opportunity but for many people, wages are low and prices are rising. we have bought the bbc money clinic here to find out what problems finances cause in the sunshine state. seeing the

couples in the bbc money clinic todayis couples in the bbc money clinic today is our financial therapist, jean, a certified marriage councillor. can love and marriage mix? absolutely but sometimes people need help mixing the two. and why do we find it so hard? money is a window into what we value, and that can bea window into what we value, and that can be a difficult conversation to have. if you have not thought clearly about what you value, and what value you have if you and your partner have different values. where do you get money values from? generally the largest influence for forming messages over money is from oui’ forming messages over money is from ourfamily, from forming messages over money is from our family, from your forming messages over money is from ourfamily, from your mother and father and society we associated with as children. does that mean if your parents were careful savers, your parents were careful savers, you will be too? not necessarily, you will be too? not necessarily, you may reject that message and become more careful with your money. it is an influence but does not mean

control. what happens if you get married to somebody who has com pletely married to somebody who has completely different money values to you? generally you do not marry someone you? generally you do not marry someone with completely different values, generally there is common ground. first into the clinic, manuel, a construction manager and jackie, a teacher. together they are raising four children in suburban florida. before they were married, manuel was one of the estimated 27 million americans without medical insurance. that meant when he fell ill a few years ago, it was his finances as well as his health that suffered. jackie is a great person, andi suffered. jackie is a great person, and ifigured suffered. jackie is a great person, and i figured such a suffered. jackie is a great person, and ifigured such a good person should make a great mother and she does. my husband and i get along well but we do have money worries. my husband got 63.5 years ago and had over $100,000 of medical bills because he didn't have insurance. had over $100,000 of medical bills because he didn't have insurancem was either putting food on the

table, paying rent or paying medical bills. we went through a really rough time but we are making it right now. i will make more money! budget wise, we have ups and downs, we are still working on it.|j budget wise, we have ups and downs, we are still working on it. i am more of a saving kind of person. me oi'i more of a saving kind of person. me on the other hand, i'm an optimistic person. i know it is coming in, i know what i can have out based on the budget but then i say, oh well, there is wiggle room over here... you have to pay! i don't want to be controlled. obviously every couple argues about money. why do you spend on this? you shouldn't have... you know, i think it's normal that i don't want to do it. jackie and manuel, welcome to the bbc money clinic. are you ready?

yes. yes, we are ready. jean is waiting for you. go on through. thank you. how do you understand your financial habits, can you explain them for me? we've had a financial crisis with credit card debt, medical bills, my husband got sick before. that is when we really got into a financial crisis, when he got sick and we both ended up out of work. many different times we have had job issues, in the sense of getting laid off, starting over, things like that. and is it working out? —— are you working now? yes, i've been working for the last four years. how about you? i've been working now for the last three years, stable, full—time, as a teacher. 0k, years, stable, full—time, as a teacher. ok, you have six people in

the family, that's a lot to manage! we used to have a lot of arguments before with finances, they would be the only arguments we have. i come in with bags of groceries and he asks, how much does that cost? and i say don't worry, i used my account. it sounds like you are triggered by that interrogation? when she answers that interrogation? when she answers that way it triggers me. you just went to the register 15 minutes ago... and it is 75.05 or 79? my first suggestion is when you are triggered it is probably not the right time to talk about it. so... i know it is something you want to talk about and i will be happy to do so. talk about and i will be happy to do so. but the bikes down, and then opened a bank account and take a look —— bags. i know it is hard to do. i don't have a credit card. she isa do. i don't have a credit card. she is a very strong character. i'm

wondering about that, do you not see value in tracking? i see the value in tracking, he can go ahead and look and track but i am 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 of these purchases? that is why i answer him, yes and no. 0k. yes, because i used my account but at the same token, no. i do not operate the budget because it is not something we have planned on. if we already did the groceries he is questioning, why did you go back to the grocery store? 0k, questioning, why did you go back to the grocery store? ok, this purchase in your mind might be an extra? the grocery store? ok, this purchase in your mind might be an extra7m is an extra, you go to the house and there is food. it might not be the food you want to eat at that moment but there is plenty of food. that is where, you know, my background is com pletely where, you know, my background is completely different from hers. i am

cuban, icome completely different from hers. i am cuban, i come from a country where i never had anything. correct that. it's not that i didn't have any think i didn't have everything i wanted. me growing up, i didn't have everything either. maybe the thing to do is viewed the budget as a living document, not something cut in stone. things happen and you need to have potentially weekly or monthly or quarterly meetings to revise the budget. i don't like tigers, we set the budget... we sit down everyjanuary. tigers, we set the budget... we sit down every january. —— tigers, we set the budget... we sit down everyjanuary. —— i don't like targets. it has got to match or in december i go crazy. targets. it has got to match or in decemberi go crazy. i targets. it has got to match or in december i go crazy. i wonder if you agree that the budget is what it needs to be because of the exercise you went through injanuary and it was in your best interest to stay in those parameters? so if that is the agreement in any particular month, if for some reason you exceed the

budget in, let's say, the food area then you have two consider you no longer have the opportunity to do that the following month and something has to give. maybe you don't go to the movies, or the kids don't go to the movies, or the kids don't have snacks and you make cookies that month?” don't have snacks and you make cookies that month? i am 0k don't have snacks and you make cookies that month? i am ok with that, but jackie is cookies that month? i am ok with that, butjackie is not willing, and i get it, to make the kid sufferfor a bad decision. ooh, 0k. it's a more emotional attachment. it has to be done on a developmentally appropriate basis but children should be learning about these decisions and these choices. thank god, i know my kids, they do not throw themselves on the floor in the shopping centre if they don't get their stuff. you can say sure, we did these fun things last month but we need to step back. you can model that for them and reap the benefits when they are older.

asjean when they are older. as jean was when they are older. asjean was about when they are older. as jean was about to find out, jackie and manuel's arguments about the budget are rooted in their own childhood experiences. his family was more of the dynamic of what the dad said went. in mine, it was more like what my dad said went and mum would give a little rebuttal but then she would give in and i hated that. i would always argue with mum, why do you have to get him a glass of water when he is right next to the kitchen? i don't want to do that. i see how this is a trigger but do you really feel like you are not being heard, manuel? sometimes i do and he knows it, i tell him every time we get into an argument about this... it has to be something with money. it is my fault and he says well, kind of like if the shoe fits, wear it. so... that is why i feel controlled. standing up for yourself without putting your partner down is a skill that might benefit you. it

ta kes a a skill that might benefit you. it takes a lot of practice. it sounds like you have had some practice from your originalfamily like you have had some practice from your original family where you said no, why do i need to do that? your original family where you said no, why do i need to do that7m your original family where you said no, why do i need to do that? it is kind of what do with him... at the same time, i keep telling her to forget about your family. it is important to validate this is what she is experiencing. why would i follow someone else's mistake? not make my own? when you make the mistake andl make my own? when you make the mistake and i explain it to you, you do not change. the next time it happens, it is the same thing. well, i don't understand, why did you spend so much? i would tell him, you spend so much? i would tell him, you spend a week with the kids and see how much you spend and he says, great! i will do that gladly! then it turns into a joke and yeah, you go work like i work and i will take care... i'm sure i would spend as much(!) this isn't very productive, is it? going back when you are emotionally triggered isn't the time to have a conversation but calming yourself and coming back is a great skill. learning how to argue and how

to come back and talk about those issuesis to come back and talk about those issues is a great skill. that is one thing we had to learn which we will ta ke thing we had to learn which we will take your advice on, how to revisit it, maybe two weeks later? you know, we have already talked about it... and that is one thing, he doesn't like to repeat things.|j and that is one thing, he doesn't like to repeat things. i don't. i don't mind, he is the explainer, he is straight to the point so if he has said at one time, that said, i told you before, that is it. for me, i want to explain why this happened or why i spent this. but you knew when we talked about this... that is my fault, i need to be more lenient, i guess. listen, as well. yeah. what we re i guess. listen, as well. yeah. what were the top tips for you? revisit instead of arguing, take what we

have to do, go on with life and then revisit the topic. and our feelings. ata revisit the topic. and our feelings. at a different time. take a break and then talk about money. another tip she gave us was to revisit our budget if we spend more on a certain area so we can account for budget if we spend more on a certain area so we can account for it on the next month. thank you very much for coming in, and best of luck for the future. 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 owe an average of almost $6,500.

matteo, a card dealer and oriana, a business administrator arrived in miami two years ago from venezuela. last year oriana 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. oriana, hello. hi. hello. welcome to 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, 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. yeah, 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 great time to start thinking about your shared 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 some place that you can take away to pay more of the debt? maybe go out less? i think food. 0k. we go to restaurants. yeah. i think that... well, we can deal with that i think, 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 then 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 is advisable. 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 say a thermometre 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, 20,000.

and you can do this at home on yourfridge raider. "this is our trip fund" and he keeps growing. oh, that is good. and only under 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 wish 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 a cumulated for the prior year gets added to the balance. 0h, 0k. so i had to be, like... 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 advise that you set aside some very formal time and, you know, it's 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 want it go in. yeah. what, for you, were the 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 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, 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, bye. of course everyone's situation, personal and financial is their own, it is unique. so 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 negotiate 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, 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 accomplish 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. wet and windy weather as we move

through the day today, not whether we have become very accustomed to, as we move through the summer. an atmospheric photo sent in by a weather watcher in highland earlier and the rain, cloud and gusts of wind today have been kuciak two areas of low pressure, it's clear towards the north—west, working north—east, responsible for much of the rain and gusts of wind across the rain and gusts of wind across the uk, through the evening and overnight we see the rain clearing out towards the north—east, on the radar across england and wales, pushing into scotland, the heaviest burst in eastern scotland for some time, then overnight it clears towards the north—east, but still a brisk south—westerly wind, clear spells for a time, some outbreaks of rain, pushing in during the early hours. temperatures staying in the

mid to upper teens, clear spells, and as we move into the working week, low pressure in charge. this air mass and weather front, some clouds and outbreaks of rain, to start the day in the south—east, it works north and east. some outbreaks of rain in wales and the midlands, moving into yorkshire and we do have some sunny moving into yorkshire and we do have some sunny spells and showers in northern ireland and scotland. in the west, the odd rumble of thunder. temperatures up with a brisk south—westerly breeze, as we move into tuesday, starting off on a dry and find note. in the south—west, turning cloudy in northern ireland and scotland, outbreaks of rain and temperatures similar to monday, a maximum of 25 celsius, in the high teens and low 20s and on wednesday

again, some patches of cloud, one or two showers possible in wales and the south—west, cloudy with outbreaks of rain moving into northern ireland, scotland and into north—west england. temperatures in the south—west of a touch. as we move towards the end of the week, here on the temperature gradient, we see some temperatures creeping up. in the south—east, after a fresh start with some showers through the week, especially in the north and west, it will warm up, at the end of the week, temperatures up to 30 degrees. this is bbc news. the headlines at 5: five people die, hundreds of buildings are destroyed and tens of thousands flee their homes as wildfires rage across northern california. seven or so majorfires are now burning here in california, and some 90 that are burning across the western united states and in fact as far across

as colorado and new mexico. people who abuse others online and who try to intimidate election candidates and campaigners could be barred from public office, the government says. tourists are led to safety as a powerful earthquake hits the indonesian island of lombok. at least 11! people have died and more than 100 are injured. a labour mp, who's facing possible suspension after angrily criticising the leadership's stance on anti—semitism, says he's ashamed of the party.