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Financial Marriage Problems - Avoid Them Early On

In a perfect world, marriage would be untouched by financial troubles, and we would all be free to love each other without the old scrooge that is debt hanging over us. Of course, we know it's not a perfect world. We know, also, that although people do a heck of a lot of planning for their actual nuptials, they often forget about the after part - you know, like the part with the bills and the house and the credit cards. Because of this, newlyweds find themselves in a bit of a pickle when it comes to making financial decisions they weren't prepared for. And, as a result, debt can start building up, spending patterns can get decidedly unsustainable, and trouble can occur. We know it's inevitable. Unless, of course, you plan for it.

Why Wait?

Financial planning is obviously something we should all be doing anyway, so why do so many people wait until after they're married to deal with it? When you know you want to spend the rest of your life with someone (and you're sure they want to spend it with you), then is the time to start thinking about your money future. Although it isn't exactly romantic, financial planning should begin as soon as the engagement does.

Agree To Agree

People are different, even when they seem to have a lot in common. There are spenders, there are savers, and there are those who site comfortably in between. Determine which type you and your future spouse are right away, and save yourself a lot of hassle. Early discussions, with things written down, are critical to your future. It's important that you get a record so that you don't run into the old, "but, I never said that" scenario down the road. Like it or not, money is serious business. And retiring well is going to be worth it.

Budgeting Always Wins

Having a budget is your best way to prevent debt. It really is as simple as that. Preventing debt is as simple as creating a plan for what you can spend and what you can't and then stick to it. Obviously, the latter part is the hardest part, but it is a must.

Can You Live In A Smaller Place?

Do not make the mistake that 95% of newly married couples make. Budget for what you want to spend on a house, and then don't go over it. As well, determine what you need: if you don't plan to have kids right away, why is it that you're buying a 2500 square foot house? Living in a smaller house will mean less of a mortgage, as well as more flexibility to be able to enjoy the things in life that you both love.

Don't Forget About Retiring

Alright, so the natural assumption is that there's always time. Part of this is true. But then, does it hurt to plan what you want in your golden years? Not really. No one ever got hurt by planning for later. If you begin to discipline yourself and your spouse now, the world will truly be your oyster. After all, people who don't plan are never the ones who retire early. That's a fact.

Start Your World Together Right

Choosing a partner is very important, and can affect you for the rest of your life. Establishing good spending habits and financial discipline early in life is equally as important. This is why engagement shouldn't just be about the ceremony arrangements, but also arranging your future. It will ease the strain in the beginning, and increase the chance that your love will indeed last forever.

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