How To Share Finances With Your Spouse

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How To Share Finances With Your Spouse

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Business News > Wealth > Planning > 7 Bad Spouse Financial Habits That Affect Your Household Finances: Here’s What To Do About It

7 Bad Financial Habits of Couples That Affect Household Finances: What to Do About Them

If you, too, are stuck in a situation where your partner’s spending, saving or investment deviations are causing the family finances to drop, we’ll tell you how to solve the problem without ruining the relationship.

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Much of the romantic magic on Valentine’s Day revolves around money, but ironically, any discussion of finances is the furthest thing from the minds of couples in love. In fact, the entire premarital dating period is an exercise in knowing everything but a person’s financial personality. However, this is an aspect that can make or break your relationship as well as your finances.

A partner’s attitude toward money – spending too much or being too frugal, taking on too much debt, lying or not sharing financial information, restricting the spouse – can not only cause conflict, but also destroy the household budget. Affects long-term financial goals, and even leaves a spouse poor if the marriage breaks down.

“We get our attitudes and behaviors about money through our childhood experiences. So if you grow up poor, you can be very stingy, you always save for a rainy day, and if you grow up with plenty, but not much, ‘Maybe’ , says Dr. Prerna Kohli, clinical psychologist and founder of MindTribe.in.

Does this mean that these characteristics are fixed in the person and nothing can be done to solve the problems, or can these financial characteristics be changed? “Although advice can be sought, people rarely change and some attitudes are difficult to change,” says Mrin Aggarwal, founder and director of FinSafe India.

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However, some of this can be resolved if the partner faces the economic value of such behavior through effective communication. “People often talk to their partners about sensitive topics for fear of offending them, but feel angry and resentful whenever they don’t communicate. So partners need to feel financially or physically safe before they can protect their partner,” he said. says Kohli

If you, too, find yourself in a situation where your partner’s spending, saving, or investment deviance is causing family finances to decline, we’ll tell you how to resolve the issue without ruining the relationship. However, in some situations, it can be difficult to do more, and you must try to protect and prioritize your financial well-being and that of your children by making difficult decisions. In this week’s cover story, we list some of the characteristics that are causing friction in your financial sector and suggest appropriate actions.

This may seem like the most harmful trait in your partner, but can be a constant point of conflict in the relationship and can also be very disruptive to your budget and financial goals.

Excessive spending can be caused by many reasons: excessive self-control in childhood, emotional stress, sudden influx of money, financial independence to get a job or trying to keep up with rich friends, etc. .

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Prerna Nandy, a 35-year-old financial analyst, says, “When it comes to children, my husband cannot afford to spend as he wants to provide for everything that he did not have as a child. Other couples compliment clothes, electronic gadgets, cars and more.

This often results in conflicting budgets and financial deficits at the end of the month. Impulsive and large spending can lead to not being able to save money for important financial goals or not having money in an emergency.

What can you do? There are different ways you can try to fight your spouse’s spending addiction. The first, of course, is to talk about the problem. “The most effective way is for the spouse to do the math, figure out how many monthly savings and investments are needed to meet long-term goals, and how much is left over after necessary expenses and investments,” says Agrawal. It’s hard to keep up with expenses when you’re faced with financial security for your children or your retirement.

Another way is to automate deposits and bill payments, so that money is withdrawn from the bank account as soon as the paycheck arrives. You can also enlist the help of your spouse and let him manage your monthly budget, where he gives you only the money you need for special expenses or bills.

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2. Take on a lot of debt or use your spouse to do it For the generation that grew up in a “buy now, pay later” environment, everything from houses and cars to furniture is going into debt. “Loans have become easier to apply and obtain, with flexible repayments and results that are not so bad, in many cases with the worst credit scores. Combine this with the desire for luxury goods, where shopping releases dopamine in our brains. Addictive habits and people’s debt. It is not surprising that “- says Kohli.

However, there are disadvantages to taking multiple loans, especially large loans, where the combined EMI can exceed 40% of your income. With expensive loans like personal and credit card loans with high interest rates, the chances of falling into a debt trap are also high. If your partner is the sole earner in the family and has taken on a lot of debt, this can affect not only your current lifestyle, but also your future financial situation if the debt spirals out of control.

If he loses his job or gets a pay cut or loses his business, he may not be able to pay and the interest burden will increase, or

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