Most couples prefer kissing and cuddling to talking about money projects.
Talking about money with your partner is considered unromantic. You will be seen as someone who puts money above love. But this doesn’t have to be the case.
Have you lived through this?
You are in love and you want to talk to each other about everything and everyone, but not about money? Because that really kills the romance?
Or have you moved in with your partner and been surprised to find that you function very differently when it comes to money and it stresses you out?
Maybe you have been together for a long time and have a bigger income gap. This can even make one of you feel inferior — especially if you don’t talk about it.
Why do we often find it so difficult in partnerships to talk openly about money. This has a lot to do with dreams, goals, and the future.
Because depending on what you want for your future, you behave today in relation to your money. Well, ideally — let’s assume that you have given some thought to your dreams and goals.
If you have these 5 money problems in your love relationship, fix them right now so that your marriage doesn’t end in divorce:
1 — Couples who avoid sharing money bills at the romantic dinner
Phrases like “You don’t talk about money” or “Love shouldn’t be about money” should be banished from your mind, if you haven’t already.
Especially in a partnership where you trust each other and tell each other everything, the subject of money should not be taboo.
Quite the opposite. Couples who talk openly about money and finances act as equals. And after all, the subject of finances is always connected with the future, joint plans, and dreams — so romantic.
2 — When your wife doesn’t like to pay herself first but loves the credit card
It is important to change your way of thinking about money in partnership and family planning and also to make demands.
Raising children and taking care of the house is worth at least as much as any other job. It is important that you also don’t lose sight of your own financial planning in this case.
Plan together how you can find the balance. Write it down. And above all: find provisions in case the partnership or marriage ends.
3 — When neither of you has a clue about finances and investments
It’s normal not to know everything, and it’s good to learn from each other. Talk about it openly, and rules of conversation can also help so that there are no arguments or disappointments.
The topic of money is much more emotional than it seems at first glance. Couples usually avoid these conversations because they are afraid of arguments. But they are part of it, and as a couple, you grow from it.
The issue of the income gap is sometimes an obstacle, but the same applies here: you are a team. You can find solutions, but they do not come alone.
4 — Couples who do not create a third account to put money into
An account for your joint expenses, such as rent, groceries, or joint insurance, makes a lot of things easier. And it is really useful.
But beware: with a joint account.
Each of you always automatically puts in half the money. In this respect, you should keep your reserves or larger sums of bonus payments or similar in your individual accounts. This makes it easier to understand in case of separation, avoids tax problems, and, in case of doubt, litigation.
5 — Couples who don’t ask each other: what are you going to do with the money
So, let’s go: for you to really comply, set a date for the money right now.
Cheerfully with a delicious meal, this lowers the hurdle. And then just get started.
Discuss what money means to you, how you envision handling your finances together, and your planning. It really makes you want to tackle these topics together, doesn’t it? You can only win!
So when we talk with our partners about how we handle money today, we almost automatically arrive at our own long-term goals and desires for the future together.
Of course, we also encounter differences, and they can be uncomfortable or even frightening. Because the existential question always resonates: Will it work out for us in the long term?
But if we have the courage to face and acknowledge possible differences, we can find ways to live with them very well.
In this way, we avoid disputes and unpleasant situations and meet at eye level. And these are the best conditions for enjoying your love here, today, and in the future, even when there is no money.
