8 Financial Red Flags in a Relationship

Carrie Sloan
Posted

Love is blind—and never more than when it comes to our money.

But how do you keep from choosing a dubious financial partner while falling head over heels? It isn’t easy, as any of us who’ve loved and wound up in the red can tell you.

That’s what this list is for. In between the flowers and the heart flutters, take the time to see if the person you love fits any of these eight signs.

By the way, this advice is steeped in real-life experience, as well as a survey by TD Ameritrade about the biggest financial dealbreakers in Americans’ love lives. Not to mention research from the National Marriage Project about the most likely predictors of divorce—many of which center around money.

After reading these signs, if you’re tempted to say, “Oh, but my lovebunny isn’t really like that…,” call your mom or your closest friend and discuss. One sign alone doesn’t mean your relationship is in jeopardy. For each, we’ll give you a recommendation of what to do next if your true love fits the profile.

Check out the signs the one you love just might be bad for your financial health.

1. She’s in Major Credit Card Debt (and Not Doing Anything About It)

We know: Life happens. Icky things like a job loss or divorce can put you in the hole quickly. (Which is why we always recommend you build at least a six-month emergency fund.) We’re not saying you shouldn’t date anyone with debt to her name. The red flag in this situation is someone who continues to accrue it—and doesn’t have a plan to undo it.

Not only does the habit suggest you’re falling for someone who can’t handle money responsibly, there’s also evidence it can hurt you both long-term. “Consumer debt is an equal-opportunity marriage destroyer,” according to a 2009 report by the National Marriage Project. “It does not matter if couples are rich or poor, working class or middle class. If they accrue substantial debt, it puts a strain on their marriage.”

Credit card debt increases the likelihood a couple will fight over money—as well as issues other than money—and decreases the time they spend with one another, shows a study published in the Journal of Family and Economic Issues. And the couples in the study who had accrued debt actually grew less happy over time as compared to those without it.

What You Can Do: The flip side of that same study shows that couples who made a plan and tackled their debt together remained happier with each other over the long-term. Debt definitely needn’t spell the end of a relationship, but it does mean you need to have a talk about how either partner got into debt in the first place and what you’ll do together to pay it off. Our “Get to Your Goal” calculator is an easy way to see how long it could take you.

2. He Spends Like a Drunken Sailor

Whether it’s literally getting drunk and buying a round for the whole bar, or just a serious taste for pricey new gadgets, spending as though money is going out of style can be a warning sign.

“When individuals feel that their spouse doesn’t handle money well, they report lower levels of marital happiness,” say the researchers. In fact, one study showed that feeling like your partner spent money foolishly increased the likelihood of divorce 45% for both men and women. Only extramarital affairs and alcohol or drug abuse were stronger predictors of being headed for splitsville.

What You Can Do: If your partner is fabulously wealthy, his spending is well within his budget or he has otherwise healthy financial habits, you can probably relax. But if your heart rate goes up every time he opens his wallet or unveils another new “toy,” it’s time for a talk.

People overspend for a lot of different reasons. Your first goal should be to communicate that his habits make you uncomfortable. One easy way to start the conversation? Take our “What’s Your Money Belief?” quiz together to reveal the emotions behind the financial decisions you each make.

3. You Have Vastly Different Attitudes Toward Money

While opposites do attract, and this needn’t spell doom, having vastly different worldviews when it comes to your finances can cause friction. Maybe you’re the spender and your partner saves, or vice versa. Either way, over time, being nagged can wear thin. The problem is that resentment builds up.

Take a pair of married friends we know: “She has no concept of what a budget even means!” he’ll rail when he discovers yet another shopping bag. She, on the other hand, defends herself, saying: “I work so hard, I deserve to buy what I want.” They’re caught in a money stalemate.

What You Can Do: The goal isn’t to decide who’s ultimately right, just to get on the same page so you’re not fighting every time you head to the ATM. One of the easiest ways is to look at how you pool your money. If you need to have this talk, or you’re just headed for the altar soon, our free “Getting Hitched” bootcamp—which tells you everything a couple needs to know to combine their finances—is a great place to start.

One quick rule of thumb? Allocate money that is yours, mine and ours. LearnVest recommends 75% be shared for household expenses and meeting financial goals, with 25% as discretionary income you can spend on your own.

4. He’s Frequently Unemployed

Lose a job once? Can happen to anyone. We’re talking more about a serial pattern of unemployment, which has been shown to have serious impact on the future of your relationship.

First, the common sense: A pattern like this could suggest there’s something underlying his patchy employment history other than a bad economy or bum luck. Whether it’s a problem with authority or a lack of responsibility, neither bodes well for your long-term happiness. (If multiple employers don’t find him reliable, odds are you won’t either.)

Plus, according to a study by Liana Sayer of Ohio State University, while a woman’s employment status had no effect on the likelihood her husband would head for the hills, a man’s unemployment, on the other hand, increased the chances his wife would initiate divorce and the chances he would leave.

Even men who were relatively happy in their marriages were more likely to skedaddle if they lost a job. The researchers chalk it up to the fact that there’s still more societal pressure on men to be the breadwinners.

What You Can Do: Look at the big picture. Was he affected by the recession? Does he work in a particularly volatile industry? If neither of those explains the pattern, talk to your partner about your concerns and see whether he has a good explanation … or gets defensive. If it’s the latter, you may want to recommend he seek help from a therapist to figure out the underlying issues.

5. He Doesn’t Want to Get Married

This is an interesting one: Dating a commitment-phobe can actually mean you’re hurting your chances not just of walking down the aisle, but also of accumulating wealth.

Researchers have found that getting married improves your fortune in more ways than one. First, there are economies of scale (two can live more cheaply than one, and each specializes in what he or she is good at—like fixing a computer or changing a light bulb, so you can save on hiring someone to do the task.)

But there’s also something about committing to a life together that has a halo effect on your finances. Overall, married couples save and invest more for the future (and, at the same time, act as built-in insurance for each other against uncertainties like an illness or pink slips). And something about committing to a partner makes men more virile economically: Married guys actually earn between 10% and 40% more than single men with similar education and job histories.

What You Can Do: Only you can answer whether marriage matters to you. But for anyone in a committed couple, the best things you can do are to be honest about your approach to your finances, make a joint plan to tackle debt and create lifestyle and savings goals you want to reach together, like saving up for a down payment, or socking away $20,000 in your emergency fund.

Happily, building assets together, researchers say, is one way to grow closer as a couple. “Assets … sweeten and solidify the ties between spouses,” says the National Marriage Project, “by minimizing any sense of financial unease that couples feel, with the result that they experience less conflict.”

6. She Declared Bankruptcy or Got Foreclosed On

Most of us are already on the same page about this one. In a “Couples & Money” survey by TD Ameritrade, women said their top two biggest financial dealbreakers in a relationship were bankruptcy (42%) and foreclosure (32%).

Men, on the other hand, cited bankruptcy and high credit card debt, at 24% and 21% respectively.

There are two considerations at work here: what it says about your partner and what it means for your joint future. Bankruptcy suggests that, at least at one point in their life, the person you love got so deep in a financial hole he or she couldn’t see another way out.

In certain professions (like some areas of finance) a bankruptcy may hinder your efforts to get hired: A District Court ruling found that a non-government employer may choose not to hire someone based on a past bankruptcy. And, since it remains on your credit report for up to 10 years, and a foreclosure for seven, it can also impact whether the two of you would be able to get a loan for a car or a house of your own someday.

What You Can Do:  Have a frank talk about the circumstances that led up to the crisis: Was it a slew of medical bills after an unexpected surgery, or pure financial irresponsibility? “Ask yourself: What was the situation, is it likely to be repeated—and are you jeopardizing your own financial well-being?” says Stephanie Kirkpatrick, LearnVest’s Director of Financial Planning.

7. You’ve Caught Her in a Lie

According to a new poll by CreditCards.com, 92% of Americans say they never hide the details of their financial lives from a significant other. But the 7% that do means that 6 million Americans are hiding something. The most common things they conceal? A credit card account (67%), a secret savings account (45%), a hidden checking account (38%) or a plain old financial secret.

Whether she’s hiding how much she makes, how much she owes, or you caught her red-handed withdrawing money from your account—true story of a friend’s ex—it can lead you to question: 1) why and 2) what else she’s concealing.

What You Can Do: Have a talk about “financial infidelity.” How honest do you expect your partner to be? Are there any money uglies in your past you need to talk about? Here’s a good guide on how to broach the topic.

The issue here isn’t so much your bottom line, but trust, which underlies the foundation of every relationship. If you catch her in a lie that shakes your belief in who she is, it can be hard to rebuild your faith in each other, let alone a solid financial future together.

8. He’s Always Borrowing … From Someone

There’s cheap. And then there’s the eternal mooch.

This is the type who’s always asking his friends to “spot him” and promising to “get them back next time.” If you’re dating, he’ll routinely forget to repay you for that time you covered dinner. And brunch. And he’s no stranger to loans from friends and family—often in the form of help from his parents.

While there aren’t many stats to prove the deleterious effects of the mooch, odds are, if you’re seeing one, you know the drawbacks well yourself. Not only does he sap your bottom line, he can also do a number on your energy. That’s because, often, a financial mooch thinks the world owes him something … or sees himself as a victim who’s unable to pay (or make) his own way.

What You Can Do: In this case, it’s worth it to have a frank talk, and tell him how his money behavior is galling you. If he’s not truly broke, and the behavior still doesn’t change, it’s time to refer him to a good therapist.

Have you dated someone who was a financial red flag? If so, tell us how you coped—and what happened.

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  • hannah

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  • Lydis

    I have seen like two things on here that reminds me of my sister’s boyfriend. She got pregnant by him and had a boy. He is a good father always there but he us just a bum. He has had about 5 jobs and he has pulled out plenty of payday loans he can’t pay back. Now recently we just found out that he lied on his taxes and now owe the state 4000+ dollars. After all these faults my sister still won’t leave I told her she needs to worry about her and her son she is looking for an apartment now I told her don’t put him on the lease. I pray she doesn’t marry him because I have a feeling he might do something really stupid and mess everything up.

  • Annie

    Hi my boyfriend of two years has a big spending problem- in my opinion. He sold his house 4 years ago and has since spent 280k of the 400k from this sale. He is self employed but has largely been paying his own wage for the past few years as business is bad. I recently looked at his personal/business related outgoings and they are at 4k per month…and this is after ‘knuckling down’. I love my boyfriend but with his spending I just see all our options disappearing. I have worked with him on reducing some of his spending but these conversations always come with a fight. I don’t know why he does not see that going backwards so fast at 40 is ok. I don’t know what to do…he has no money coming in, only going out. Would there be any use in going to see a financial advisor? I’m really worried for his sake. He grew up poor and I’m sad that this experience may be impacting on his relationship with money. How do I get through to him? I’d appreciate any advice. Thanks

  • Nadezhda Vyacheslav

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  • Shakes Spear

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  • Curtis

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  • legent

    drbrightspellcaster@gmail.com is a good helper contact he today if you have any problem.

  • Andre Edwardo

    My name is Mary and I base in USA…“My life is back!!! After 1 years of Broken marriage, my husband left me with two kids . I felt like my life was about to end i almost committed suicide, i was emotionally down for a very long time. Thanks to a spell caster called High Priest Dr Obeyed which i met online. On one faithful day, as I was browsing through the internet,I came across allot of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb,cure cancer,and other sickness, some testified that he can cast a spell to stop divorce and so on. i also come across one particular testimony,it was about a woman called Sonia,she testified about how he brought back her Ex lover in less than 7 days, and at the end of her testimony she dropped High Priest Dr Obeyed ‘s e-mail address. After reading all these,I decided to give it a try. I contacted him via email and explained my problem to him. In just 3 days, my husband came back to me. We solved our issues, and we are even happier than before. High Priest Dr Obeyed is really a gifted man and i will not stop publishing him because he is a wonderful man… If you have a problem and you are looking for a real and genuine spell caster to solve all your problems for you. Try High Priest Dr Obeyed anytime, he might be the answer to your problems. Here’s his contact:drobeyedspellcaster@gmail.com. or call his mobile number .

  • Andre Edwardo

    Hello to the Entire Public, Hello, my name is Selena Selly i am from Mexico .I came to this site to share the good works of the Spell Caster Dr Bright.I never believed in love,Money spells or magic until i meant this powerful spell caster when i went to Africa in December last year on a business trip. He is really powerful and he can help you cast spells to bring back love one`s gone lost ,misbehaving,lover looking for some one to love you,Money riches,Winning lotto number, bringing back lost your lover, Bring back lost money and magic money spell for a good job,I`m now happy and living testimony because the man i had wanted to marry left me 2 weeks before our wedding day and my life was upside down cos our relationship has been on for years ..I really loved him, but his mother was against us and he had no good paying job . So when i meant this spell caster, i told him what happened and explained the situation of things to him..At first, I was undecided, skeptical and doubtful, but i just gave it a try. And in 5days time when i returned to Texas, my boyfriend, now my husband,Dr Zerzerki ) called me himself and apologized that everything had been settled with his mum and family and he got a new job interview so we should get married and i gave birth to twins that i was cured of HIV ..i didn’t believe it cos the spell caster only asked me for my name and my boyfriends name and all i wanted him to do he did it for me… We are happily married now and we are expecting our little kid,and my husband also got the new job and our lives became much better and we became very rich. In case any one needs the spell caster for some help, Email him on this email address:(drbrightspellcaster@gmail.com) ……hope he helps you out. Hurry now and contact him now via email address:(drbrightspellcaster@gmail.com) .. Thank you very much and i am very happy right now.. Selena Selly

  • Andre Edwardo

    vHello to the Entire Public, Hello, my name is Selena Selly i am from Mexico .I came to this site to share the good works of the Spell Caster Dr Bright.I never believed in love,Money spells or magic until i meant this powerful spell caster when i went to Africa in December last year on a business trip. He is really powerful and he can help you cast spells to bring back love one`s gone lost ,misbehaving,lover looking for some one to love you,Money riches,Winning lotto number, bringing back lost your lover, Bring back lost money and magic money spell for a good job,I`m now happy and living testimony because the man i had wanted to marry left me 2 weeks before our wedding day and my life was upside down cos our relationship has been on for years ..I really loved him, but his mother was against us and he had no good paying job . So when i meant this spell caster, i told him what happened and explained the situation of things to him..At first, I was undecided, skeptical and doubtful, but i just gave it a try. And in 5days time when i returned to Texas, my boyfriend, now my husband,Dr Zerzerki ) called me himself and apologized that everything had been settled with his mum and family and he got a new job interview so we should get married and i gave birth to twins that i was cured of HIV ..i didn’t believe it cos the spell caster only asked me for my name and my boyfriends name and all i wanted him to do he did it for me… We are happily married now and we are expecting our little kid,and my husband also got the new job and our lives became much better and we became very rich. In case any one needs the spell caster for some help, Email him on this email address:(drbrightspellcaster@gmail.com) ……hope he helps you out. Hurry now and contact him now via email address:(drbrightspellcaster@gmail.com) .. Thank you very much and i am very happy right now.. Selena Selly

  • Silva Beckham

    i want to share my testimony to everybody i have been married for 5years and my marriage was successful, but few months ago our romantic feeling was going down everyday there was no romance. I was scared that I am loosing my husband to someone else,so I search on the internet and I found a spiritualist that help in spiritual cleaning and divination to intervine in my love Life with the necessary spiritual cleaning, everything was alright again in my Life. DR.OYAKHILOMEN I met on internet help me out within 48hours,passion and romantic was again in our home and also help me enlarge my breast and ass with his herbs, our marriage is stronger than ever,specializing in the fields of Love, Money, Power, Success, Sickness,Pregnancy, Marriage, Job, Protection, Lottery,Court Case, Luck. etc you can email him via oyakhilomenspiritualhome@gmail.com

  • Faye

    I dated someone that I loved with all my heart. The red flags were there, but I decided to overlook them. By the second month of dating, he was borrowing from me gas money, deposit for his new apartment, food, rent, money to fix his car, money to buy a car, etc. I let him borrow the money and I informed him that it was either borrowed or saved for summer (I don’t work in the summer). He promised me that he’d pay it back, but then he disappeared and ignored my calls, texts and emails.
    Finally, he sent me an email that he will not pay me back. He said that he can’t afford it.

  • Rebecca Miller

    My name is Rebecca Miller I’m from united state, i have been married for 4 years and i have a break up with my husband 3 months ago and i was worried and so confuse because i love him so much. i was really going too depressed and a friend directed me to this spell caster Dr. Laco and i made all my problems known to him and he told me not to worry that he was going to make my husband to come back to me and in just 48hours i receive a call from my husband and he was appealing that i should come back to the house. i have never in my life believe in spell and but now it have just helped me and i am now so happy. All Thanks to him and if you also want to have your Husband back to yourself here !! his emailAddress(lacopowerfulspellcaster@yahoo.com) i am so happy to testify of your work and kindness

  • Francisco Guetti

    An amazing testimony on a spell caster who brought my wife back to me.. My name is Micheal oilver i live in USA,and I`m happily married to a lovely and caring wife,with two kids A very big problem occurred in my family seven months ago,between me and my wife so terrible that she took the case to court for a divorce she said that she never wanted to stay with me again,and that she did not love me anymore So she packed out of my house and made me and my children passed through severe pain. I tried all my possible means to get her back,after much begging,but all to no avail and she confirmed it that she has made her decision,and she never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my wife So i explained every thing to her,so she told me that the only way i can get my wife back,is to visit a spell caster,because it has really worked for her too So i never believed in spell,but i had no other choice,than to follow her advice. Then she gave me the email address of the spell caster whom she email(drjattosplltemple.com). So the next morning,i sent a mail to the address she gave to me,and the spell caster assured me that i will get my wife back the next day what an amazing statement!! I never believed,so he spoke with me,and told me everything that i need to do. Then the next morning, So surprisingly, my wife who did not call me for the past seven {5}months,gave me a call to inform me that she was coming back. contact Doctor Jatto for help if you need help Via email drjattosplltemple@gmail.com

  • HOW I GOT BACK MY EX

    I am so grateful to Dr.Kuvuki for bringing back my wife to me just within the period of 48 hours. I was living a life of a frustrated man till i came across Dr.Kuvuki contact details on the internet whom i then explained my situation to and he told me to calm down that he will handle everything, To be honest i never felt that things was going work out as fast as he did, but i was surprise when my wife called me and told me that she willing to come back to me as my wife. So what more can i say than to give thanks to Dr.Kuvuki and at the same time i should drop Dr.Kuvuki contact details which are via email: kuvukitemple@gmail.com or call +2348158738315 for urgent assistance

  • Mercy Brown

    this guy and for 3years and we were about getting married when we both have misunderstanding with each other and he ask me for a divorce and we both agreed and after 4months I head that he was having an affair with one of my closest friend and I was very upset and worried so a friend of my advice me and told me if I still love my ex and if I really want to have him back so I told her yes, and she ask me to contact Dr. Madurai the spell caster and I did although I never believe on spell so he gave me something when he was casting the spell and ask me to say my wishes on it and after the casting of the spell a receive a phone call from my ex and was ask me at which I did and now we are back together again I’m so happy and I wish not to ever have this mistake again in my life. I will also advice anyone with this kind of issue to contact him for help he is really nice on phone and always there to answer you question giving you the good advice that you need. his email is maduraitemple@yahoo.com

  • Mercy Brown

    I’m Mercy brown by name I have a few testimony to share with you all about myself, I was in a relationship with this guy and for 3years and we were about getting married when we both have misunderstanding with each other and he ask me for a divorce and we both agreed and after 4months I head that he was having an affair with one of my closest friend and I was very upset and worried so a friend of my advice me and told me if I still love my ex and if I really want to have him back so I told her yes, and she ask me to contact Dr. Madurai the spell caster and I did although I never believe on spell so he gave me something when he was casting the spell and ask me to say my wishes on it and after the casting of the spell a receive a phone call from my ex and was ask me at which I did and now we are back together again I’m so happy and I wish not to ever have this mistake again in my life. I will also advice anyone with this kind of issue to contact him for help he is really nice on phone and always there to answer you question giving you the good advice that you need. his email is maduraitemple@yahoo.com

  • Sara Tekle

    This is incredible!! I still imagine how Priest Quanda brought my husband back to me in just 24 hours.. No one could have ever made me believe that this testimony that I’m about to write now would actually one day be written by me. because I was the world’s biggest skeptic. I never believed in magic spells or anything like that, but I was told by a trustworthy source (a very close co-worker) that Priest Quanda is a very devoted, talented, and gifted spell caster, and after much cajole she got me to visit this website.It was one of the most excellent thing I have ever done in my whole life. My love life was in total mess after my husband dumped me for another woman. I had been through two divorces and was on the brink of a third. I just couldn’t face another divorce, and I wanted to try harder to make our relationship work, but my husband didn’t seem to care. So, with nothing but my pride to lose, I checked it out. I was flabbergasted. This man is for REAL. He did whatever magic he does, and lo and behold – no more than 24 hours later, I had my husband back! It was like a miracle! He suddenly wanted to go to marriage psychotherapy, and we’re doing very, very well right now. and now he has loved me more than ever..Thank you so much Priest Quanda for your Love and for reuniting my family back sir. Website: http://priestquandahighmagicspell.webs.com and his Email: priestquandahighmagicspell@outlook.com. Sara Tekle..

  • Sara Tekle

    This is incredible!! I still imagine how Priest Quanda brought my husband back to me in just 24 hours.. No one could have ever made me believe that this testimony that I’m about to write now would actually one day be written by me. because I was the world’s biggest skeptic. I never believed in magic spells or anything like that, but I was told by a trustworthy source (a very close co-worker) that Priest Quanda is a very devoted, talented, and gifted spell caster, and after much cajole she got me to visit this website.It was one of the most excellent thing I have ever done in my whole life. My love life was in total mess after my husband dumped me for another woman. I had been through two divorces and was on the brink of a third. I just couldn’t face another divorce, and I wanted to try harder to make our relationship work, but my husband didn’t seem to care. So, with nothing but my pride to lose, I checked it out. I was flabbergasted. This man is for REAL. He did whatever magic he does, and lo and behold – no more than 24 hours later, I had my husband back! It was like a miracle! He suddenly wanted to go to marriage psychotherapy, and we’re doing very, very well right now. and now he has loved me more than ever..Thank you so much Priest Quanda for your Love and for reuniting my family back sir. Website: http://priestquandahighmagicspell.webs.com and his Email: priestquandahighmagicspell@outlook.com. Sara Tekle..

  • Tiffany Devin

    Hello to every one out there, my name is Tiffany. I’m here to shear my unexpected miracle that has happen to me through the help of DR MARVEL. I was happily married and we had three kids, we lived together as one because we both loved each other but before I knew it, my husband started acting funny and cheating on me later on, he told me that he cannot continue with me so that was how he left me and my three kids without noting but there was noting i could do to stop him or bring him back to me. I work so had to pay the kids schools fee and other responsibility for good five years. I cry all day and night because I didn’t know what to do to have my husband back to me until this faithful day I read the post from one Miss Escobar testifying how the great spell caster helped her to get her ex back. I just wanted to try my luck because I never believe it will work but to my greatest surprise, am singing a new song i contacted the great spell caster and he told me not to worry because once he finish casting the spell, that I will get back my husband . The unbelievable happened on Sunday when I got a call and I was surprise to hear my husbands voice apologizing to me that he’s so sorry for his Wrong did and telling me he’s back home again and we are happily united again. wow!!! I really appreciate your good works great Dr.Marvel. I’ll always acknowledge your “FABULOUS WORKS” and there’s noting I could say than to tell the world about you. So if any one is out here seeing this post and you have similar issue like this, worry no more and contact this great spell caster that can help you. Dr.Marvel is available anytime you contact him..via email extremespellhome@hotmail.com or contact him directly on his website http://extremespellhome.webs.com. GOOD LUCK TO YOU.

  • Emil Bouchard

    My Name is Emil.I will love to share my testimony to all the people in the forum cos i never thought i will have my girlfriend back and she means so much to me..The girl i want to get marry to left me 4 weeks to our wedding for another man..,When i called her she never picked my calls,She deleted me on her facebook and she changed her facebook status from married to Single…when i went to her to her place of work she told her boss she never want to see me..I lost my job as a result of this cos i cant get myself anymore,my life was upside down and everything did not go smooth with my life…I tried all i could do to have her back to all did not work out until i met a Man when i Travel to Africa to execute some business have been developing some years back..I told him my problem and all have passed through in getting her back and how i lost my job…he told me he gonna help me…i don’t believe that in the first place.but he swore he will help me out and he told me the reason why my girlfriend left me and also told me some hidden secrets.i was amazed when i heard that from him..he said he will cast a spell for me and i will see the results in the next couple of days..then i travel back to Us the following day and i called him when i got home and he said he’s busy casting those spells and he has bought all the materials needed for the spells,he said am gonna see positive results in the next 2 days that is Thursday…My girlfriend called me at exactly 12:35pm on Thursday and apologies for all she had done ..she said,she never knew what she’s doing and her sudden behavior was not intentional and she promised not to do that again.it was like am dreaming when i heard that from her and when we ended the call,i called the man and told him my wife called and he said i haven’t seen anything yet… he said i will also get my job back in 3 days time..and when its Sunday,they called me at my place of work that i should resume working on Monday and they gonna compensate me for the time limit have spent at home without working..My life is back into shape,i have my girlfriend back and we are happily married now with kids and i have my job back too.This man is really powerful..if we have up to 20 people like him in the world,the world would have been a better place..he has also helped many of my friends to solve many problems and they are all happy now..Am posting this to the forum for anybody that is interested in meeting the man for help.you can mail him to agumaguspelltemple@gmail.com I cant give out his number cos he told me he don’t want to be disturbed by many people across the world..he said his email is okay and he’ will replied to any emails asap..hope he helped u out too..good luck:agumaguspelltemple@gmail.com.Once Again His Email Address Is: agumaguspelltemple@gmail.com

  • james

    My Name is SANTO WESTLEY..I never believed in Love Spells or Magics
    until I met this special spell caster when i contact this man called okutemple@hotmail.com
    Execute some business..He is really powerful..My wife divorce me with
    no reason for almost 4 years and i tried all i could to have her back
    cos i really love her so much but all my effort did not work out.. we
    met at our early age at the college and we both have feelings for each
    other and we got married happily for 5 years with no kid and she woke up
    one morning and she told me she’s going on a divorce..i thought it was a
    joke and when she came back from work she tender to me a ;;divorce letter
    and she packed all her loads from my house..i ran mad and i tried all i
    could to have her back but all did not work out..i was lonely for
    almost 4 years…So when i told the spell caster what happened he said he
    will help me and he asked for her full name and her picture..i gave him
    that..At first i was skeptical but i gave it a try cos have tried so
    many spell casters and there is no solution…so when he finished with the
    readings,he got back to me that she’s with a man and that man is the
    reason why she left me…The spell caster said he will help me with a
    spell that will surely bring her back.but i never believe all this…he
    told me i will see a positive result within 3 days..3 days later,she
    called me herself and came to me apologizing

  • Guest

    HH

  • Perkins Moore

    i just want to share my experience with the world on how i got my lover back and saved my marriage… I was married for 4 years with 3 kids and we lived happily until things started getting ugly and we had a fights and arguments almost every time… it got worse at a point that he filed for divorce… I tried my best to make him change his mind & stay with me cause i loved him with all my heart and didn’t want to loose him but everything just didn’t work out. he moved out of the house and still went ahead to file for divorce… I pleaded and tried everything but still nothing worked until i met Dr Ikhine on internet and i contacted him on agbadado@gmail.com and i also call him on +2347060552255 and i explain everything to him and he help me solve my problem

  • Billioniers Clubs

    ALL THE VIEWERS AND READERS PLEASE FIND IT IN YOUR HEART TO FORGIVE ME,I KNOW I HAD DONE SO MANY WRONG THINGS AT PAST TIMES,I DON’T KNOW WHERE TO START WITH MY TESTIMONY..
    I AM VANEsSA, i got married to a man [JEROME],who had a wife [JOSEPHINE] already,then i was made the second wife,and this JOSEPHINE has a daughter for my husband,called CHRISTABEL,JOSEPHINE was suffering from leg pain,that later took her life. so Christabel was left to live with me,and my two kids,PATIENCE AND GLORY,Christabel was the eldest of them, so i was misusing CHRISTABEL,SHE is the only one doing all the house work,anytime she dose some thing wrong,i wouldn’t give her food to eat all through the day,and beat her up with anything close to me,but she never worry,or insult me.or report to my husband.because i told her if she did i will kill her,i did this to some extent that,one day,she was on her menstruation period, she was afraid to tell me, she was not having enough cloth,so the only cloth she had she put it into her pant,so that, the cloth would soak the bleeding,and the cloth,i was the one that brought it for her,that the only cloth i ever brought for her,then the following morning i saw her cloth on the ground,with blood stain,i called her,and ask her what is this, she told me every thing, but i beat her up, and force the blood in the cloth into her mouth,i over heard her,as she was crying,cursing me,but never bother to listen to the word she was using,but now my two daughters and my son are yet to give birth,PATIENCE,GLORY AND EXCEL,AT their age[37,34 and 31]but they are married no children,i had gone to many places to know the cause of the problem,and CHRISTABEL WAS LIVING HAPPILY with her husband and four kids, three boys and a girl.i don’t know how my children,came to know about this HIOYA TEMPLE,when they got there, they told them i was the curse of their, problem,so one morning they all came home,and ask me what have i done to disturb their lives,the question sound,funny.i told them i had done nothing to hold their lives back,they cried me,down to this Hioya temple,i saw the man.he ask me what,did i do to some one,over 19 year ago,i forgot everything.i said nothing,HE EXPLAIN WHAT I DID TO ME,and this CHRISTABEL was helping my children with their needs and always come and pay me a visit and she always called me mummy,so this MAN HIOYA told me to go and apologize to her,once she accept the apology,then he will cast a pregnancy spell on my children,we all went to CHRISTABEL’S house and apologize,she forgives me,so they went back to the spell caster, for the pregnancy spell,TODAY PATIENCE CALL ME AND TOLD ME SHE IS PREGNANT,but I haven’t heard anything from the others,maybe they are still angry.with me that’s why they haven’t called me,..THANKS TO DOCTOR HIOYA FOR EVERY THING, IF YOU ARE FACINGS ANY PROBLEM,VISIT THIS GREAT HIOYA VIA [GREATHIOYATEMPLE@GMAIL.COM]]

  • Billioniers Clubs

    Hello………
    my name is Mrs lawrenta pedro,i am from Manchester united,i am happily
    married and blessed with kids,i am a business woman and my husband is
    business man too we both operating provision store, on October 1st 2010 me
    and my husband embank on a trip to South Africa,on our way back,we had a terrible
    accident,that took my husband’s life,while i was rushed to the hospital,by
    god grace,i was still living,after a year and seven month,when my husband
    were passed away,a man came to my house,and ask me to get married to him,
    unknown, that he was HIV positive and i never bordered to conduct a check
    up test with him,before,i accepted him into my life,why,because,he was so
    cute,gentle and handsome young man,he was so caring.i never look at
    him,like one that would be hiv positive.after two year of our marriage,my
    body system began to weak up,all day i feel dizzy and lazy,and i began to
    lose weight as well, so i went for a check up test ,for
    [fever,hiv/aid,malaria],the result, show me that, i am HIV positive.so i
    was afraid,that,i would die,so, i were running from hospitals,churches and
    native doctors,searching for cure, because i didn’t want to die.one day i
    went to a pastor’s house,i told him my problem;as i was telling the pastor
    my problem, there was one man which was with us,which i never look at his
    face,the pastor prayed for me,on my way out , this same man,who was siting
    with us,called me,i was like asking myself why this man was calling me, so
    i just manage to wait to hear out what he will say,he told me that,he will
    like to introduce me to this spell caster man, his name is HIOYA,SO
    i JUST SAID thanks and leaved,i never wanted to go and see this man called HIOYA,but a mind,ask me to go for a try,so i went there,i meant him and i explain everything to him,he cast a spell on me and he told me,after two weeks,i should go for a hiv check up test again,after two weeks,i went for the hiv test,which the result shows me that i am now HIV NEGATIVE,whaoooooooo. i was like mad at the hospital,very happy…..if you have any problem you are facing now…..

    HE IS SPECIALIZING IN THE FOLLOWING SPELL.
    love spell
    marriage spell
    divorce spell
    (1) If you want your ex back.
    (2) If you always have bad dreams.
    (3) If you want to be promoted in your office.
    (4) If you want women/men to run after you.
    (5) If you want a child.
    (6) If you want to be rich.
    (7) If you want to tie your husband/wife to be yours forever.
    (8) If you need financial assistance.
    (9) How you been scammed and you want to recover you lost money.
    (10) If you want to stop your divorce.
    (11) If you want to divorce your husband.
    (12) If you want your wishes to be granted.
    (13) Pregnancy spells to conceive baby
    (14) Guarantee you win the troubling court cases & divorce no matter how what stage
    (15) Stop your marriage or relationship from breaking apart.
    (16) If you have any sickness like (H I V), (CANCER) or any sickness.
    (17) If you need prayers for deliverance for your child or yourself.
    (18)are having legs or joint pain,that is making you not to walk well
    Once again make sure you contact him if you have any problem he will help you. contact him immediately via[ greathioyatemple@gmail.com]OR CONTACT +2348063140585

  • ib

    DR EKA AND HIS VOODOO.

    Voodoo, when evoked will bring about the desired changes you are looking for;
    provide you the spiritual guidance you seek; it fulfils destiny; overcome
    obstacles, remove blockages; rid houses and business premises of unwanted evil spirits
    and shows the way to lasting Glory.

    BEWARE!! VOODOO AND ITS VARIOUS RITUALS AND INCANTATIONS ARE NO CHILDS PLAY.

    YOU MAY ONLY ORDER THE SERVICES ONLY IF YOU ARE OVER 18 YEARS OLD

    When only the very best can surfice to crush and crash all gates and barriers
    to bring forth what is needed. Take the load off your shoulder, give it to us
    (DR EKA) (dreka14demons@gmail.com) and simply sit and enjoy the ride. DR EKA
    will carry your extra weight to your desired destination with Voodoo. Enjoy
    your journey into hope; experience liberation; walk with diginity into lasting
    fulfilment. Be positioned for Glory and exploits; be the envy of your friends
    and associates; remain untouchable, physically and spiritually. Security from
    want; relief from fear of starvation and freedom from the visits of the debt
    collector; get happiness and self advancement with our ancient Voodoo recipe;
    be the ruler of your world; change your destiny to suit your dream and above
    all conquer your fears.

    Potions are commonly used for Voodoo rituals. The most popular potions are used
    for love spells, death spells and money spells. There are other unique potions
    made by the Voodoo High Priest used for a more specific problem. These include
    spells for special sicknesses and spells for personal needs. Not everyone has
    access to the potions as they very expensive. DR EKA make them out of rare,
    expensive materials and they are difficult to create and evoke. Voodoo is often
    associated with witchcraft because of these spells and potions. It is also a
    very misunderstood religion because of their beliefs and practices.

    Distance does not exist in Voodoo as practised by the Ancients. Voodoo is a
    spiritual activity. You may be physcally present in our temple or be in a far
    away place like Australia or Alaska. The results are the same. It works at the
    speed of thought.

    EKA is a Voodoo High Priest and Master Spell Caster with more than 35 years of
    experience in the practice of Ancient Traditonal Voodoo and Black Magic Spells
    and Rituals. He hails from a long line of Ancient Voodoo Practitioners from 5th
    generation. It is our mission to offer our services to those in need of help.
    EKA is recognised all over the world as one of the TOP Most Powerful Voodoo
    Master Casters. He was honored with the High Voodoo Priest in 1978. It does not
    matter what your background or religions affiliation may be. Voodoo as
    practiced by his forefathers is not dependent on belief to realise a wish or
    bring a desire to pass. His methods are simple. Convert a desire or a wish into
    a spiritual entity which manifests into a physical reality. This will create
    life changing situations and usher in love, wealth, happiness and health so
    that you can enjoy life to the full. It will bring into your life your utmost
    desires.

    The true test of any Voodoo High Priest is not casting a spell to return a
    lover. it is identifying and dismantling the deadly effects of Black magic.
    that is where the Sheep is differentiated from a faking Goat. Dismantling, even
    the least omnious Black Magic Spell can produce dangerous consequences both to
    the Voodoo Priest and the client if adequate protection is not provided. DR EKA
    consider all spells seriously, hence, we provide all the necessary protection
    to our client before we begin.

    We work with a wide range of Voodoo Dolls, Amulets, Talismans, Candles,
    Spirits, Crystals and a variety of ancient ingredients, including Herbs, Oils,
    and other elements of nature. in an exceptionally difficult case, it should be
    noted that we may revert to witchcraft, Wicca, Obeah and Santeria to solve a
    problem or difficulty if we deem it necessary, with the full consent of the
    client of course. we can even employ caballa and the dreaded Indrajaal if that
    becomes an option to get the desired result.

    - do you feel frustrated in life…

    - has your lover gone without any rational explanations…

    - has an opportunist taken away your lover…

    - is your income blocked…

    - are you stagnated…

    - is your marriage at risk…

    - do you suspect you are under the influence of black magic…

    - are outsiders interfering in your relationship…

    - do you want to know what them future holds in store for you…

    - is your love life falling apart?

    - do you want your love to grow stronger?

    - is your partner losing interest in you?

    then, look no further. Our time tested Ancient Voodoo rituals will help locate
    and bring your wishes to pass.

    As spell casters, DR EKA have helped many people in need since ancient times.
    Today, Voodoo are getting requests from people from all walks of life. This is
    an indication of how effective these spells are in dealing with the problems we
    encounter in our everyday life. Some of these problems can produce formidable
    challenges with drastic consequences if not nibbed in the bud. Problems that
    occur in a relationship or marriage can lead to the end of it. People are
    constantly in search of practical and effective ways of living a peaceful and
    happy life. The number of people who depend on spells are increasing with each
    passing day. Now take a look at how spells can offer help in saving your
    marriage or removing problems from a relationship in our list of
    spells.(dreka14demons@gmail.com)

    We want you to remember this day: You are an amazing person and providence has
    led you here for a reason. DR EKA have the tools that you need, and they are
    right here on the pages of this (dreka14demons@gmail.com) to turn your tomorrow
    into your desired world with Voodoo. Don’t let today pass by without taking
    some positive action to move one step closer to achieving your desire in life.
    You have the power to change your life – use it! As the saying goes “ there is
    only one day in a man’s life in which he can do nothing. ‘YESTERDAY’ you cannot
    do anything about yesterday because it is gone. But you can do something about
    tomorrow because today you have the opportunity to shape what you want tomorrow
    to be with Voodoo” CONTACT: DR EKA(dreka14demons@gmail.com)

  • ib

    MISS MIRABEL,

    I would like to leave a testimonial for DR EKA, but before I do that let me
    introduce me to everyone and tell me on why I want to leave a testimonial for
    DR EKA (dreka14demons@gmail.com).
    But first, let me ask something, love, lust, affair, marriage, cheating,
    dumping, deceiving, divorce, magic, love spell, gypsy spells, have you all
    heard all this in your life and that to together, I hope most of you have not,
    but I have.

    My name is Mirabel and I am a 45 year old lady living in Salt Lake City, UT in
    USA.

    It all started when I was 18 years old and was attending my college. He

    was in my batch, topper of the class, best in all extra-curricular

    activities, the most handsome and charming boy I might have ever seen.

    After graduation I went for some odd jobs since I was doing my higher

    studies, once my higher studies completed I got a placement in a good IT

    company as a HR Manager.

    I remember it was hiring season, and this guy came in for a walk in interview
    at our office, I

    realized that he was the same perfect guy I used to chat in college and

    think about in my subconscious mind. It was my 30th birthday

    and suddenly this guy comes to me and gives me a ring and proposed me,

    since I also liked him, thought for a while and said a YES to his

    proposal, then after things went rapidly, we got married in the next two

    years itself and continued our professions in the same organization.

    He was a very caring and

    loving husband; he used to help me in daily chores of life as well, and

    made sure that all my wishes are fulfilled. Seven years passed by since

    we were married and then came in the problem. I saw a distinct change in

    the behavior of my husband; I started enquiring and found out that he is dating
    another lady from our office itself.

    When I came to know about the same I enquired more about it in the

    office, to which it came to my knowledge that the lady was not of a good

    character, even some of the staff reported that she uses magic to lure

    guys towards her.

    One of my office friends who is a member of a forum http://www.dreka14demons@gmail.com.

    asked me to visit this site and look for a spell caster who could help

    me bring him back by using a love spell. Without wasting any time I went

    to the site and while surfing read about DR EKA with 14DEMONS in one of the

    pages review-of-the-month-of-april-2013/ .

    This site gave a detailed

    description about DR EKA, and many members in the site had laid down

    their experience with the DR EKA, I read them all, and specially the

    one written by a guy called Oscar whose life changed with the help of DR EKA,
    again without wasting time I went to (dreka14demons@gmail.com)
    and contacted DR EKA, and to my rescue, he was quick in replying back to my
    email, I told he my problem in detail, and he being a very caring psychic told
    me that he would cast a LOVE SPELL to get him back to me, he also said that it
    would take a month’s time for my soul mate to return back to me.

    This is why I would like to thank and show my gratitude to DR EKA (dreka14demons@gmail.com),

    for he was like an angel to me, he was caring, soft spoken and a very

    good listener, and not to forget a true professional, his spells are

    also within my budget and it happened just like he foretold, my husband returned
    back to me, and now we are living a happy life forever, thanks a lot DR EKA (dreka14demons@gmail.com) for giving me
    back my husband.

  • Rusty Kate

    My name is Rusty Kate, from UK I never
    believed in love spells or magic until i met this spell caster once.
    when i went to Africa in July this year on a business summit. i ment a
    man called Dr. OGUDO.He is powerful he could help you cast a spells to
    bring back my love’s gone,misbehaving lover looking for some one to love
    you, bring back lost money and magic money spell or spell for a good
    job.i’m now happy & a living testimony cos the man i had wanted to
    marry left me 3 weeks before our wedding and my life was upside down cos
    our relationship has been on for 2 years… i really loved him, but his
    mother was against me and he had no good paying job. so when i met this
    spell caster, i told him what happened and explained the situation of
    things to him..at first i was undecided,skeptical and doubtful, but i
    just gave it a try. and in 6 days when i returned to New York, my
    boyfriend (is now my husband ) he called me by himself and came to me
    apologizing that everything had been settled with his mom and family and
    he got a new job interview so we should get married..i didn’t believe
    it cos the spell caster only asked for my name and my boyfriends name
    and all i wanted him to do… well we are happily married now and we are
    expecting our little kid,and my husband also got a new job and our lives
    became much better. in case anyone needs the spell caster for some
    help, email drogudospelltemple@gmail.com you can see what he can do and i
    belive that he can do so four you tooo

  • james

    I NEVER BELIEVED IN LOVE SPELLS UNTIL I MET THIS WORLD’S TOP SPELL
    CASTER. HE IS REALLY POWERFUL AND COULD HELP CAST SPELLS TO BRING BACK
    ONE’S GONE,LOST,MISBEHAVING LOVER AND MAGIC MONEY SPELL OR SPELL FOR A
    GOOD JOB.I’M NOW HAPPY & A LIVING TESTIMONY COS THE WOMAN I HAD
    WANTED TO MARRY LEFT ME 2 WEEKS BEFORE OUR WEDDING AND MY LIFE WAS
    UPSIDE DOWN COS OUR RELATIONSHIP HAS BEEN ON FOR 2YEARS… I REALLY
    LOVED HIM, BUT HIS MOTHER WAS AGAINST US AND HE HAD NO GOOD PAYING JOB.
    SO WHEN I MET THIS SPELL CASTER, I TOLD HIM WHAT HAPPENED AND EXPLAINED
    THE SITUATION OF THINGS TO HIM..AT FIRST I WAS UNDECIDED,SKEPTICAL AND
    DOUBTFUL, BUT I JUST GAVE IT A TRY. AND IN 7 DAYS WHEN I RETURNED TO
    USA, MY GIRLFRIEND(NOW WIFE) CALLED ME BY HERSELF AND CAME TO ME
    APOLOGIZING THAT EVERYTHING HAD BEEN SETTLED WITH HIS MOM AND FAMILY AND
    SHE GOT A NEW JOB INTERVIEW SO WE SHOULD GET MARRIED..I DIDN’T BELIEVE
    IT COS THE SPELL CASTER ONLY ASKED FOR MY NAME AND MY GIRLFRIENDS NAME
    AND ALL I WANTED HIM TO DO… WELL WE ARE HAPPILY MARRIED NOW AND WE ARE
    EXPECTING OUR LITTLE KID,AND MY WIFE ALSO GOT THE NEW JOB AND OUR LIVES
    BECAME MUCH BETTER. IN CASE ANYONE NEEDS THE SPELL CASTER FOR SOME
    HELP, HIS EMAIL ADDRESS IS;okutemple@hotmail.com ……HOPE HE HELPS YOU OUT OUR OPPORTUNITY … CONTACT THIS GREAT SPELL CASTER VIA EMAIL:okutemple@hotmail.com

  • https://www.facebook.com/adams.tricail adams trace

    What a beautiful and wonderful testimony some time things you don’t believe can just happen.my name is Adams Trace i am from U.S.A am 25 years old i got married at the age of 24 i have only one child and i was living happily .After one year of my marriage my husband behavior became so strange and i don’t really understand what was going on, he packed out of the house to another woman i love him so much that i never dream’s of losing him, i try my possible best to make sure that my husband get back to me but all to no avail i cry and i cry seeking for help. i discussed it with my best friend and she promise to help me he told me of a man called Dr.ogala, he is a very great man and a real man that can be trusted and there is nothing concerning love issues he cannot do that is why they call him Dr.ogala. I contacted his email address.And i told him everything that happen all he told me that i should not worry that all my problems will be solved immediately. He told me what to do to get my husband back and i did, he said after One hour my husband will come back to me and start begging, it really happen i was very surprise and very, very happy our relationship was now very tight and we both live happily again. So my advice for you now is to contact this same email address:(Holyspellcast@gmail.com, if you are in any kind of situation concerning love issues and any other things that give you problems. He can use his HOLY spell to help you. his web site http://holyspellcast.webs.com and you can also call him +2348072371282 THANKS..

  • https://www.facebook.com/adams.tricail adams trace

    What a beautiful and wonderful testimony some time things you don’t believe can just happen.my name is Adams Trace i am from U.S.A am 25 years old i got married at the age of 24 i have only one child and i was living happily .After one year of my marriage my husband behavior became so strange and i don’t really understand what was going on, he packed out of the house to another woman i love him so much that i never dream’s of losing him, i try my possible best to make sure that my husband get back to me but all to no avail i cry and i cry seeking for help. i discussed it with my best friend and she promise to help me he told me of a man called Dr.ogala, he is a very great man and a real man that can be trusted and there is nothing concerning love issues he cannot do that is why they call him Dr.ogala. I contacted his email address.And i told him everything that happen all he told me that i should not worry that all my problems will be solved immediately. He told me what to do to get my husband back and i did, he said after One hour my husband will come back to me and start begging, it really happen i was very surprise and very, very happy our relationship was now very tight and we both live happily again. So my advice for you now is to contact this same email address:(Holyspellcast@gmail.com, if you are in any kind of situation concerning love issues and any other things that give you problems. He can use his HOLY spell to help you. his web site http://holyspellcast.webs.com and you can also call him +2348072371282 THANKS….

  • https://www.facebook.com/adams.tricail adams trace

    What a beautiful and wonderful testimony some time things you don’t believe can just happen.my name is Adams Trace i am from U.S.A am 25 years old i got married at the age of 24 i have only one child and i was living happily .After one year of my marriage my husband behavior became so strange and i don’t really understand what was going on, he packed out of the house to another woman i love him so much that i never dream’s of losing him, i try my possible best to make sure that my husband get back to me but all to no avail i cry and i cry seeking for help. i discussed it with my best friend and she promise to help me he told me of a man called Dr.ogala, he is a very great man and a real man that can be trusted and there is nothing concerning love issues he cannot do that is why they call him Dr.ogala. I contacted his email address.And i told him everything that happen all he told me that i should not worry that all my problems will be solved immediately. He told me what to do to get my husband back and i did, he said after One hour my husband will come back to me and start begging, it really happen i was very surprise and very, very happy our relationship was now very tight and we both live happily again. So my advice for you now is to contact this same email address:(Holyspellcast@gmail.com, if you are in any kind of situation concerning love issues and any other things that give you problems. He can use his HOLY spell to help you. his web site http://holyspellcast.webs.com and you can also call him +2348072371282 THANKS…….