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Getting married is a serious affair; if you’ve already set a date, it’s time to sit down and discuss your finances. A marriage is similar to merging two companies. If you don’t assess your potential partner’s finances, there’s always a chance you’ll run into unexpected financial surprises.
Happiness and peace in your marriage depend largely upon how well you and your better half deal with issues like communication, parenting, in-laws, and most importantly, finance. Numerous studies show that ‘financial infidelities’ are becoming more common. Many people lie to their spouses about finances, whether it's an unpaid personal loan or a bad investment.
Let’s Talk about Debt
Talking about debt is the hardest but most important discussion that couples should have. Debts on either side of a relationship can affect your combined ability to buy a home or a car. Discussing your debts will give you and your spouse-to-be a clear picture of how to address your respective financial conditions.
Many young adults get hitched with an outstanding student loan or a bad credit score. You may have also taken a marriage loan for your dream wedding, so both of you will need to be well-informed about any existing debt. It’s always better going into a marriage knowing this information.
Discuss your Financial Goals
Each partner might have a different financial game plan. One of you might want to retire earlier or invest in a certain blue-chip stock, while the other might have a completely different perspective. It is imperative that your partner knows your opinions on such matters, so that you can together form an effective financial plan.
The best way to begin this discussion is to write down your financial goals and concerns, and show them to your partner. You discuss whether you want to buy or rent a home, what sorts of mutual fund portfolios to invest in, and the best way to start a retirement fund.
Create a Budget
When you’re newlyweds and at relatively early points in your respective careers, you can expect money to be a little tight. At this point, it is always good to make a budget and, more importantly, stick to it. This will help you avoid arguments about things like spending too much money and building up credit card debt.
It is a good idea to talk about monetary issues every so often. Whether one of you says ‘I need a loan,’ or needs to buy a household appliance, you should discuss it. To avoid conflict, you can give each other enough time to prepare for such meetings and work towards making these talks routine.
Joint or Separate Accounts
One of the biggest questions that come with marriage is whether couples should maintain separate finances, or pool money together. Many think that if the husband and wife both work, it makes sense to have separate budgets.
If you do decide to share expenses though, it’s important that you and your would-be discuss matters and remain on the same financial page. You could have a joint account with your spouse for shared savings goals and household spendings, while still maintaining a personal savings pool—useful if you want to remain financially independent.
If you want to buy a home, it is advisable to buy a home together. Both your names should be on the title deed and mortgage contract for the house. You should also cite a clause called “the right of survivorship” which states that, if one of the spouses dies, the ownership of the land or house automatically goes to the surviving one.
Also, when you apply for a home loan as a couple, banks will more likely approve of your loan . This way the bank is protected and if one spouse passes away, they can continue to collect the EMIs on the loan.
You never know when you might need medical assistance, and it’s always better to be prepared for this situation. Rather than paying double for two separate medical insurance policies, you and your spouse could opt for a less expensive joint plan.
Since insurance packages differ from firm to firm, look around and find out which plan suits you best. Check which package will pay for the best treatment and benefits, at the lowest cost. This may require plenty of running around, but it’s worth it in the long run.
Retirement and Non-Retirement Investments
Although both of you may be responsible for your own individual retirements, it is always good to figure out what your retirement plan is, as a couple. Just as you would discuss any big spending, it is wise to sit and discuss your goals, whether they are to retire at 40, or to go on a global vacation at 60.
If you have any investments that aren’t related to your retirement fund, they should be reviewed jointly and even co-owned. It is best to discuss how you intend to pay back these loans, and what you plan on using the loan amount for.
This isn’t exactly necessary, but it helps to know how much tax you’re both liable for. Through some smart planning, you can actually make savings on taxes as a married couple.
You could even go to a professional to get some help and sound advice on the best tax shelters out there.
افضل الخدمات التى تقدمها شركة ثراء الخليج فى التخلص ن كافة انواع الحشرات المنزلية لما لدينا من شركة مكافحة النمل الابيض بالرياض التى تقوم بالقضاء النهائى على كافة انواع الحشرات المنزلية الى جانب افضل شركة مكافحة حشرات بالرياض التى تقوم باستخدام افضل انواع المبيدات الحشرية الى جانب افضل شركة مكافحة حشرات بالدمام التى تقوم بالتخلص الهائى من كافة انواع الحشرات المنزلية الى جانب افضل شركة مكافحة حشرات بابها التى تقضى على الحشرات الى جانب افضل شركة مكافحة حشرات بعنيزة التى تخلصك تماما ونهائيا من كافة انواع الحشرات واليك عزيزى العميل شركة رش مبيدات بجدة التى تستخدم افضل المبيدات الحشرية عالية الجةدة الى جانب افضل شركة مكافحة حشرات ببيش وصبيا واحد المسارحة الى جانب افضل شركة مكافحة حشرات بجازان التى تقوم بمكافحة الحشرات من النمل الابيض بجازان وابو عريش الى جانب افضل شركة مكافحة النمل الابيض بالباحة التى تقضى تماما ونهائيا على كافة انواع الحشرات المنزلية.
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