Money is the biggest cause of arguments in relationships. There's not one long-term couple who hasn't argued about a financial matter at one point or another even if they're not living together. The best way to prevent money matters from taking a toll on your relationship is to be proactive. There are several steps you can take to prevent arguments with your guy about money.
Have at least three separate checking accounts
Every couple should have individual checking accounts as well as a joint account with each other. This allows both of you to spend your own money as you see fit while still having a joint checking account from which to pay bills. Make sure to come to an agreement over how much each of you is going to contribute to the joint account each week.
Talk about big purchases first
Usually if a purchase is more than $100 or $200 depending on your individual financial situation, you should probably consult with the other person first before making the buy. It shows respect for the other person's feelings and allows each of you to voice your opinions on the matter before the money is already spent.
If your guy makes a great financial move, compliment him for it! For example, if he gets the two of you a great deal on a specific item or he gets a raise, let him know how fantastic he is. People don't get complimented nearly as much as they should, so it'll be fantastic for his ego and will encourage him to make equally great financial decisions in the future.
Pay bills together
Usually in a relationship, one person handles certain bills while the other person handles the rest. The best way to ensure both of you are on the same page is to actually sit down and pay your bills together. Once a week, take a few minutes to whip out the unpaid bills and go over them together which is a much easier option than just informing the other about what's going on.
Make a debt plan
It's very difficult to pay down debt if you don't actually have a plan to do so, especially if it involves paying down your debt, his, and any you have any accumulated as a couple. Sit down and write up a plan of how the two of you can make paying down your debt a reality. The faster you get started, the sooner it will no longer be a burden on your shoulders.
Get it in writing
It may seem silly to write down your financial decisions with your guy, but it's the easiest way to ensure that both of you are on the same page and know where you stand in terms of expenses, debt and savings. Consider it a mutual agreement. Both of you can sign it at the bottom so one of you can never say that the other person didn't fully read it.
The best way to avoid arguing about money is to be up front right from the beginning . Each of you should know where the other stands in terms of savings and debt and be well-informed of each other's spending habits. Both of you should be able to talk about a plan to get into the best financial health as possible. Communication is key in a relationship, especially when it comes to an argument-starting issue such as money.
Money doesn't have to be a relationship killer. It's all about how the two of you handle the subject individually and as a couple. Be open with your opinions and feelings and allow him to do the same. If the two of you work together, you'll be able to make the most of your strengths and resources to develop excellent financial standing.
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