When getting into relationships, very few people take spending habits into consideration and run into problems along the way when their choices or spending habits clash.


You might want to consider the following steps if you want to avoid money problems which can threaten the existence of your relationship.

Understand your partner’s money personality

Love and attraction are not the only things to consider when thinking of a long term relationship. Study your partner and understand their money personality.


You are serious about savings, is your partner the type to go on a spending spree? Work it out to avoid problems on the long run.

Be open about your finances

Some people (especially men) believe that you should never disclose your income to your spouse but this is not healthy in a relationship.


Revealing your income and your debt status will foster trust in the relationship and will get you help even before you need it — as your spouse will envisage difficulties and work out solutions.

Discuss family history

Most of the time, people develop their money habits from their family experiences.

When you discuss family history with your partner, you will understand where they are coming from and how to help with their insecurities.


Have a budget

A budget is very useful whether you have large or little needs to meet. Draw up a budget with your partner (one that accommodates needs to a reasonable extent).

Find a neutral time to talk

Depending on the parties involved, money arguments can be pretty nasty.


When things get rough and tempers are running high, restrain yourself. Allow tempers to cool before broaching the subject with your spouse.

When discussing money matters, don’t blame. Approach issues with the mindset of solving them not with the mindset of making the other party feel guilty.

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