5 Tips for Talking about Finance with a Spouse Without Fear of Conflict

Healthy Living - Financial problems are indeed a fairly sensitive issue, even when you discuss this topic with a partner. Because, not everyone wants to be open about their financial condition to the closest people.

Talk about finances with an adult partner

Here are ways you can do to discuss financial issues without causing conflict.

1. Discuss at the right time

Basically, there is no absolute benchmark for discussing financial matters with a partner. The right time to discuss is adjusted to the problems to be discussed and the character of the couple.

If you discuss financial problems from the start, you can find out about your point of view and your partner's relevance to this topic. You will also get a picture of the common goals that you want to achieve.

On the other hand, it's fine if you want to delay some time before discussing financial matters. In addition to making you better understand your partner, you are also able to determine the appropriate communication style when discussing sensitive issues.

2. Speak based on each other's behavior

Before discussing financial problems with your partner, first understand your behavior and your partner's financial management. Record income, expenses, and other elements included in it.

In this way, you can specify specific financial topics to discuss. You and your partner can focus more on finding a solution because the conversation will not spread everywhere.

3. Do not ignore basic financial problems

Every couple has different financial problems. You might not think of consumptive behavior as a source of financial problems, but couples may think otherwise.

Although financial issues are specific, do not ignore basic financial problems that often affect households. Here are some topics that need to be discussed when discussing financial issues with a partner:

• Amount of savings and assets. Do you and your partner want to have a joint, separate, or investment savings account.
• Amount of debt and how to pay it off. Agree together whether the debt is calculated separately or combined.
• Comsumption Pattern. How do you and your partner manage the financial distribution, what percentage is spent on needs, for savings, and so on.
• Financial style. Do you and your partner directly pay the bills after obtaining income, whether all expenses are recorded in detail, etc.

4. Be honest and open

Everyone has a different perspective on finance. Your partner might like to buy items for his hobby, while you are more fond of saving money. Conflicts can occur if the couple is not open to each other about this.

Try to understand each other's point of view when discussing financial problems with a partner. That way, you and your partner no longer need to secretly manage money.

5. Make simple financial management

Financial management is a topic that cannot be missed when discussing financial problems with a partner. The problem is, not everyone can follow this rule well.

If your partner has the same problem, try making it simpler. Set a constitution for food, savings, monthly bills, and so on. Afterwards, agree on where the remaining budget will flow.

Financial problems are one of the main causes of disputes in the household. In fact, not a few couples decide to divorce due to economic factors.

This is why couples must be open to each other and committed to managing finances together. In addition to maintaining lasting relationships, this is also beneficial for financial security in the future.

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