It’s Not All About Money,Honey

Posted on April 9, 2008 in Tips for A Husband, Tips for A Wife

Settling money matters is one issue every couple has to face.  From being a happy independent bird, splurging money at one’s own free will before marriage to suddenly being very careful and restricted in spending after marriage is something one learns with time. After an initial phase of crying and cribbing one tends to get accustomed to this new style of living.

Well, now the next important question here is

How can one enjoy and also at the same time save up money when married?

Control Your Desires: It would have been very easy before marriage to get whatever you wanted, but now that you are married and have each other to look after, regulate some self control over your impulses. It doesn’t mean that you stop spending on things you like but it just means that you start spending on things that are necessary. It is an effort both the partners should start exercising. Indulging yourself once in a while in small luxuries will definitely not cause any harm. But do not overdo it.

When you learn to sacrifice for each other, your bond strengthens and this effort is worth and is better than all those pretty dresses or gadgets you would otherwise have  wanted to buy.

Start Saving: Yes, start saving whatever little you have. It may come handy on a rainy day. Look out for financial schemes, plans or may be insurance offers, which will help you save money. Saving money may be tough initially, but it does pay off later on. It may come handy for your child’s education, a holiday that you wanted to go or in times when there is lot of financial trouble.

Understanding: Well, this is the most important ingredient of effective money saving. Expecting the wife or the husband to do all the saving is not right. This may be an exception when one of the partners is not earning.

But, then otherwise it would be really nice if both the partners got together and decided a fair sum, which they could save up every month.  Very often lack of understanding leads to a divorce. It is therefore very essential that both come to an understanding about the money they save. Also, it is very important that money matters not be dragged in fights or become the cause of fights.

Be realistic: This is crucial when it comes to handling money. Be aware of your long term and short-term goals. Be considerate about your partner’s desires.  If you do not like his/her idea do not put the person down but in a very calm and gentle manner discuss and explain out other alternatives.

Keep these points in mind when deciding issues about money. Being aware of schemes available in the market is not enough, what is important is how well you discuss it out with your partner and come to an agreement about this money saving scheme.

Discussing and seeking advice from trusted friends or experts will also prove to be useful. After all it is not the money that is important honey, It is you as a couple that matters the most.

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