Here’s how to protect yourself from ‘sexually transmitted debt’

But transparency and open conversations must take place, Timmons says.

Referring to the shock of the study’s title, she said, “You’d never let someone not answer your question if you were asking about an STD.”

Just like a physical STD, you can take steps to protect yourself. The methods to guard against transmission are similar to those for making sure you don’t pick up an actual bug.

First, have some compassion, whether for yourself or your partner. “The majority of people do not go into debt believing they’ll never be able to get out,” Timmons said.

Second, use plastic wisely. Though when it comes to finances and debt protection, you’ll want to be careful how you use plastic, meaning credit cards.

Third, come up with a treatment plan. Luckily, debt is not a terminal disease. Work together to form a plan to pay down debt.

Keep the lines of communication open. “Share progress on getting out of debt,” Timmons said.

Couples can use money as communication tools, Timmsons says. Finances can help people get to know each other and help deepen connections. “If someone shuts down and never circles back [to a money topic], that is a signal that something is amiss in the relationship,” she said.

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