Por: Charlestien Harris
Ya sé que el mes más popular para casarse es junio, pero ¿por qué no adelantarse planificando las finanzas mientras se planea esa gloriosa ocasión que es la boda?
Getting started early on financial planning with your future mate is exactly the kind of money move that will likely save you some heartache down the road. Money is one of the main causes of divorce among married couples, according to several research studies conducted in the United States. However, it doesn't have to be for those couples who sit down and have a charla sincera sobre cómo manejarán ambos sus finanzas después del matrimonio.
He aquí algunas sugerencias para tener esa a veces temida conversación sobre el dinero en el matrimonio y cómo abordar el tema.
1. Hable de su forma actual de manejar el dinero.
If you're committed to a relationship, you and your partner owe each other a calm, honest conversation about each other's finances, habits, goals, and worries about money. Knowing how each of you handles money before marriage can help you understand how both of you feel about your money management skills. Marriage is all about compromise. If one of you has more expensive taste and the other has less expensive taste, then you need to have a conversation about both types of spending habits.
2. Don't let salary differences pull you apart.
Al fin y al cabo, os vais a juntar para formar la unión de dos hogares en uno solo. Con las escalas salariales actuales, uno de los dos ganará más dinero que el otro. A veces, el cónyuge que más dinero gana puede sentirse con derecho a tener más voz y voto. Ahora es el momento de sentarse y discutir o crear un plan que permita a ambos participar en el plan de gastos del hogar. Independientemente de lo mucho (o poco) que gane uno de los cónyuges, ambos deben sentir que tienen la misma participación y control sobre sus finanzas.
3. Mantenga una conversación significativa sobre su crédito.
Cuando se solicita un préstamo como pareja casada, los bancos evalúan a ambos. sus puntuaciones de crédito. If one person is carrying significant debt, your application could be denied. You should always be aware of both of your credit scores and get a copy of your credit report regularly. Credit scores are tracked individually, but that doesn't mean they don't affect both of you, especially if you plan to make a few large purchases during the marriage. When it comes to making those joint purchases like a house or a car, one person's credit score can raise your interest rate or ruin your chances of getting approved altogether. You can get a free copy of your credit report from www.annualcreditreport.com.
4. Vivir con un presupuesto es un paso esencial.
No one likes to hear the word "budget," especially from their partner. But there's no getting around the importance of a household budget. Personally, I prefer to use the term "spending plan" because it doesn't sound as harsh as the word "budget" and it doesn't make a person feel like they are in money prison. As hard as it may seem, it's critical to have a complete understanding of your financial situation. Creating a spending plan that has input from both of you can often eliminate tensions that can arise when unplanned purchases are made by one or both of you. You can find budgeting tools on our website at www.southernpartners.org/learning-center/.
5. It's okay to ask for help.
Most couples don't have someone who specializes in personal finance as part of their marital plan. But you should consider it because it always helps to have a financial expert take a closer look at your situation. You might benefit from tax advice, business planning, insurance, or insight into your personal finances. And as a couple, it can be nice to have a third party assist your planning efforts and maybe provide you with some tools to help you make those important financial decisions that will have to be made at some point in the marital relationship. Southern Bancorp has financial counselors on staff and would be glad to assist you. You should call your sucursal más cercana para saber cómo conectar con uno de nosotros.
Money and marriage can be touchy subjects if you let them, but they don't have to be. With just a little pre-planning and some meaningful conversation between the two of you, the money talk doesn't have to be difficult at all.
Las consideraciones financieras antes del matrimonio son un tema importante, sobre todo si quiere evitar convertirse en una estadística en lo que respecta a la tasa de divorcios. Tener una actitud positiva y una mente abierta puede marcar la diferencia a la hora de hablar de cuestiones económicas en un matrimonio exitoso.
Si necesita información adicional sobre este u otros temas financieros, puede ponerse en contacto conmigo en [email protected] o llámeme al 662-624-5776.
Hasta la semana que viene: ¡manténgase en forma desde el punto de vista financiero!
