Saving money, This issue is important in a couple matter, however, many people do not take the issue because of fears. In terms of finances, there are still many taboos in the family, such as saving as a couple. But a healthy relationship has a good communication is to say in which they can talk about everything.
Start saving in couple
In addition to good communication, it is necessary to define certain points so that your savings will be effective.
Define a goal
Saving without sense as we have seen it has no case, you should always have a reason. Talk about what will be the reason for your savings: A good old age, build or buy a new property, education of their children, etc.
Remember that you are not saving yourself, just so the goal should benefit both. If saving only benefits your partner then make a personal saving separately.
Know the reason for saving
Once you have defined what you want to save for, you still know why. You already have a goal but now you must talk about the benefits this will bring to both. Especially why it is so important to make a saving and do it as a couple.
Defining the real reason for your savings will avoid many problems and future discussions about your finances in common.
How can you reach that goal
The third step is to make a plan to reach that goal. You can not reach a goal if we do not trace the path to reach it. Define different strategies and see which is better or if it is possible to use more than one. Always when they fit your way of life.
It’s time to change expenses
To achieve savings goals you have to make certain changes or adjustments to our daily expenses. If you want to make a really big savings or if the plan is short term then reduce costs.
Although it is important to start with the basics: Your budget, if you live together you should already have an annual or monthly budget. Based on that budget they can know where the biggest money leaks come from.
It is a matter of making small changes in your daily life: how to cut back on all the ant expenses, reduce exits, change dinners out for dinners at home, etc.
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The distribution of savings
Maybe it is one of the most taboo topics to talk about, but there is nothing wrong with it and better still if you leave things definite. If either of you receives a salary higher than your partner, ask questions such as:
- Will it be an equal contribution regardless of salary?
- Will the contribution be fair according to the salary of each one?
In other words, both can give the same amount regardless of whether one earns less. The second option can give both your 10% of the salary no matter what the amount.
Some couples decide that one will make the savings while the other will take care of the house expenses; this is a couple’s decision. Define what is best for you and your partner and reach the common goal: Savings for the achievement of a goal.