Living with your partner is starting a new stage, which means projects and shared dreams. To achieve their goals, both individual and couple, a key is finances.
Each couple must decide what is best for them financially. However, there are some key recommendations that should exist in all relationships and to help that money does not become a headache:
They should build trust to talk about everything: his plans, his desires, their concerns. Do not let finances are becoming taboo in their relationship. Discuss what they want in terms of economics will help define what the personal goals and what goals as a couple. Can set priorities and projects that require to realize their ideas.
Ideally, all expenses are based on a budget. This allows them to better achieve its objectives without damaging its financial stability. Thus, higher spending, investments or even savings will be supported by a plan, according to financial capacity as a couple. It is very important that the budget provides both cost-sharing (eg, the cost of your home) and personal expenses (such as gasoline or cell phone). So know what amount of money needed each month for personal use, and what amount can be allocated to the pool.
To support you in achieving your budget, you can use the calculator found on our website through the following link: simulators-calculators
Savings and investment.
Living as a couple, needs and projects multiply and to satisfy them, to multiply also resources. It is important to establish a savings plan that will achieve your goals. Once you have strengthened the habit, can contemplate the possibility of investing in any financial instrument. Remember that a life plan involves long-term decisions and be prepared to face the future.
In many cases, start a life together also involves the construction of a homestead. Prevention is very important to protect your property, your person and of course your family. If any of you have insurance of any kind, ask how you can make a choice of partner or family. For example, if you already have health insurance, make sure to cover maternity expenses. So be ready when they decide to have kids. It is also important if you are buying goods, purchase insurance to protect them. The initial investment will be justified with its tranquility and safety in case of contingencies.