6 tips for managing your finances as a couple
Take a few minutes to talk about money, write a budget, have common goals and avoid falling into financial scams are part of the most important recommendations to avoid the phrase "See you money do us part".
Did you know that up to seven out of breakups, divorces or separations occur for marital issues related to money management, mismanagement, debt, lack of a budget and wage costs or differences?
Statistics from the issue warn that the management of income and financial infidelity, everything we spend hidden from the person "who moves our hearts" are grounds for separation.
To prevent this from happening, the Smart Consumer on-line platform recommended that couples do not mix emotions with money, keep a cool head when planning expenses, investments or credits and avoid the so common phrase, but harmful to your pocket, "what's mine is yours and yours is mine."
In order to manage and maintain a proper management of finances as a couple and make "your dreams" is also "your average portfolio", the said platform and the National Commission for the Protection and Defense of Users of Financial Services (Condusef) I recommend:
1. Do not be afraid to talk about money
Negotiate with your partner and make a commitment to devote at least 15 minutes a week to talk about the management and administration of money from spending super to debt problems, insurance contracts or buying a house . Try to be honest and put yourself in another's shoes to understand their reasons.
2. Take your financial life to paper
Analyzed and recorded in black and white each financial moves you make partner. Make a list of how much you earn, how much they spend and how much to; what their heritage and what it is; insurance record, the will and savings. So they know where to pay attention to avoid future problems.
3. Compose and stick to a budget
Record all income: salary, bonuses, commissions or income and expenses of the month scores. The latter are divided into: requirements (rent, utilities or food), unnecessary (gym, cinema, eating out), cherished (vacation or a stereo) and contingencies (auto repair). Subtract the expenses for the category of income and if the balance is negative, removes everything that is not indispensable.
4. Plans and manages agreements
Ideally, all expenses are based on a budget. This will allow them to better achieve their objectives without damaging their financial stability. Thus, higher expenses, investments and even saving, will be supported by a plan according to the financial ability of as a couple.
5. Set common goals
Identifying common goals (savings, buying a property, change the car, travel, loans and investments) is key to your relationship. This is not to impose or say "it forces" but to negotiate their financial interests.
6. Be Independent
Determine what percentage of the income of each of the parties, it is for your home or common objectives, while retaining a portion of the fortnight for individual things, that's what everyone wants.
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