One of the biggest mistakes that couples make is that they do not talk about their finances. This is especially true for those who are engaged and are considering getting married. You will want to make sure you are on the same financial page and that you are both making decisions that will fit with the goals and lifestyle of the other.
Start the Conversation
Talk to your loved one about how you spend your money. Do you believe that the majority of your disposable income should be put into savings or do you believe that more should be allocated toward fun expenditures.
You will need to be realistic about what you can save. Make sure to talk about money early in the relationship so that discussions about money are never seen as unusual.
Set a Date
Set a date to discuss your finances. Otherwise, you may find it too easy to forget about this important job. Use this date as an opportunity to bring up something that is bothering you rather than bringing the financial concern up during other times of the month.
Consider Getting Therapy
Disagreements over how you should spend your money can create stress and conflict in your relationship. Financial issues are one of the most common reasons why married couples divorce. Therefore, if you are struggling to overcome these stresses, you should seek couples therapy.
You may find yourself putting off plans because of your partner. For instance, you may be avoiding an important financial decision regarding your career because you are concerned about how it may affect you financially.
You may be engaging in spending habits that are not well coordinated. For instance, both you and your partner may come home with a carton of milk after work. There may be a looming financial crisis such as a layoff. These stressful events will often require the help of therapy services.
Look on the Bright Side
While talking about finances might seem scary, it doesn't have to be. It is an opportunity when you can dream and aspire for what you would like to achieve, whether this be to take several months off and travel, retire early or buy a dream home.
Focusing on the long-term goal can make your discussions more inspirational and less stressful. Come to an agreement over what your goals are and neither of you will feel that you are being forced into something you didn't agree to. Contact a therapy clinic, like Center For Family Guidance, for more help.
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