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I can tell you from a guy’s perspective that when a woman says things like: “Why didn’t you call? Those kinds of statements will immediately put a guy on the defensive rather than motivating him to change and he’ll probably withdraw emotionally as a result… I would say the core reason of this is that it attacks a guy’s sense of freedom and feeling of acknowledgment. Well, when a woman starts down this chain of “Why didn’t you…” it feels to a guy as if she isn’t noticing all of the other things he is doing for a relationship. It’s perfectly normal and healthy to want a relationship with all the good qualities: connection, chemistry, understanding, intimacy, attentiveness and on and on.
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Consolodating debt

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Once your debt is consolidated the difficulty in juggling several commitments will be relieved and you can once again feel on top of your finances whereas before it may have been a struggle.

Keeping on top of your finances has never been more important than today in light of the newly introduced credit reporting laws.

Here are a few things to consider before jumping into it.

Say you’ve been carrying a handful of credit cards with rates in double digits.

Streamlining debts can be a useful way of managing an unyielding financial burden and lowering costs, but it’s not for everyone.

Lenders have fixed costs to process payments and repayment can spread out over a larger period.

However, such consolidation loans have costs: fees, interest, and "points" where one point equals to one percent of the amount borrowed.

In some countries, these loans may provide certain tax advantages.

Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones.