Many people will agree that the most complicated topic a couple could ever discuss is financial matters. Relationship advice and Asian dating websites also agree. Love and compatibility are indeed vital to a budding relationship, but being practical is also important.
Having this “talk” is sensitive territory. Personal budget, debt issues, saving and spending habits are very complicated to discuss or share with someone. However, talking about financial matters is the next step on the commitment track. And if there are differences, the talk will serve as an opportunity to make adjustments and find a middle ground.
Some people live on a personal budget that dictates everything they spend, day in and day out. Others save up money before spending it on their necessities and personal matters. And then there are those who actually enjoy budgeting.
If both of you are the same type of spenders, that’s perfect. Now if the two of you are the opposite, that could pose a problem. You need to compromise when it comes to spending because these habits are ingrained and would be difficult to change. The two of you need to adjust and figure out how to plan your spending without compromising your financial beliefs.
Debt is often a sensitive topic, and there most likely is a chance of personal connection to it. Because of this, some people are focused on avoiding the subject of debt altogether. Debt can be prevented, but in emergency situations, it can be understandable. If possible, you two should save up for an emergency fund.
Do you monitor every single buck that leaves your bank account? Or are you more of the carefree type? How you are with your finances can make or break a relationship, especially if you decide to take it further. How both of you spend is a reflection of your overall financial future.
All of the things mentioned above come down to this: saving makes it easier to follow a budget, but it isn’t as easy as it seems. It takes planning, research, and willpower. Overall, saving makes it simpler to make financial concerns inconsequential. This is something that both of you should discuss once you consider taking it a step further in the relationship.
People keep saying that money can’t buy love, but money definitely makes an easier road towards it. That means being practical can contribute to making a relationship work. A lot of great relationships end because of fights regarding financial matters. Understanding all of these will help you figure out if you or your partner are ready to take things to the next level.