Everyone Lives With Someone Who Knows Nothing About Finance. Don’t Be Angry About It
This is why I’m not a fan of combining finances with my partner.
If you share your four walls with other people, you usually have to master your emotions. Make concessions. You need to not get angry about anything.
I have a sister like that. She lives with her husband. She works. She gets her salary every month. Her husband gives her money as a gift every month. Still, she asks me for money every month. Her money doesn’t arrive until the end of the month. Where it goes, I don’t know.
Basically, people avoid change. We instinctively perceive them as a threat.
Then they might like the new ideas and even accept them for themselves. This sometimes takes a bit of time, so patience is the most important thing when it comes to change.
Even if you get annoyed at first if something gets left behind. We are not always perfect, and sometimes we miss something. Take a deep breath and put whatever it is away for a moment.
Instead of complaining about every little thing, we should be grateful for our loved ones. Everyone has their strengths and weaknesses, and we often forget what our counterpart is doing for us. Life is not all about finances.
Your partner is not intentionally sabotaging you. Incidentally, you can also overdo it by asking this person to do something.
As long as you share your home with other people, you will have to accept their characteristics. And since people generally don’t like it much when you lecture, avoid making direct comments and insinuations.
Always remember: “Love me, you married me like this”.
If you are lucky, your partner will be open to new things and will be happy to copy the improvements.
Not only your own four walls but also the finances should be in order. This includes an overview of all income and expenses, especially common expenses that should be known and clarified.
Especially in a partnership, it is important to clearly regulate from the outset how joint expenses are to be divided. And since circumstances change from time to time, you should always adapt the agreements to your living situation.
It doesn’t matter whether it’s offspring or career steps. If more or less money flows into the coffers, you should always talk openly with each other.
Of course, in the first step, it is my gain if I get a few extra dollars in my paycheck. But I may have received support from my partner in the past.
Therefore, I must clearly communicate the decision of what I want to do with the plus in my account. Expectations or unspoken decisions in which you exclude your partner have a lot of potential for conflict.
On the other hand, everyone in a partnership should always take personal responsibility for their own finances and provisions.
If you enjoy shopping or have an expensive hobby, you should do it within your budget. That’s why I’m not a fan of a single joint account.
When it comes to finances, a person’s attitude can also change over a lifetime. Starting with the first (measly) salary, through lifestyle inflation, to the realization that you may not want or be able to work until you retire.
The financial situation often changes the way you handle and look at money.
Especially when it comes to wealth accumulation, you should not be fooled. Sometimes it is just the different level of knowledge that makes the partner skeptical about certain topics.
Those who understand what they are doing (e.g. investing in exotic assets) can also explain this transparently to their partners. And this is how we can grow together.
If the partner himself sabotages someone on this topic, the partner’s choice was probably a dive into the toilet.
Rolling everything up.
It is not uncommon to see couples who are not only happy together but also get heavier. Basically, this does not concern us.
If you share the fridge, however, it can happen that you are very happy to be sabotaged.
So, in the end, the bastard sits happily with the saboteur in front of the television; together, they eat pizza, French fries, and chocolate and watch anything.
This article is for informational purposes only. It should not be considered Financial or Legal Advice. Not all information will be accurate. Consult a financial professional before making any major financial decisions.