With wedding season approaching, happy couples are preparing to
start their new lives together. Even though financial experts cite the
importance of creating an open dialogue about money, it’s not uncommon for
couples to put off talking about it until after the wedding.
Since personal finance will
be an important part of every adult’s life, it makes sense to talk honestly
about financial goals before you head down the aisle. This is true for all
kinds of relationships – from young couples just starting out to people
entering subsequent marriages with established financial habits.
Given that couples seldom
agree on everything, it’s important to talk openly to understand each other’s
viewpoint, and find common ground. Here are a few tips to help start a discussion
1. Plan a time to talk 2. Are you a financial match? 3. Identify goals: Talk about goals beyond the wedding day. Will you buy or rent
and how will you save for your first home? Will you start a family or travel?
How do you picture retirement? 4. Make a plan: With an idea of your shared goals, make a plan and set
measurable objectives. For example, create an emergency fund or pay down
student debt. 5. Commit to saving: Since many couples have big dreams, start a savings plan to work
towards common goals that you can build on into the future. 6. Bring in an expert: While couples often consult a wedding planner for their big day,
less than half of Canadians report having a financial advisor, despite the
importance of managing money for life. Find a financial advisor to help you balance your financial
approaches and build a plan to achieve your long-term goals. They can help you
find investment an option that work for both of you and lead you from newlyweds
right through your golden years.
One of the most common short term goals for new couples is to
buy a home. Make sure to talk with you financial advisor about this as well.
There are different programs out there that can help first time home-buyers out
in a number of different ways.
I can discuss these different programs with you. Please call
Amber Valentine at (480) 290-6959 to talk more about the different program you
may qualify for. Or you can check my website out at www.arizonaelitehomes.com.
Author:Carlie Goulet Emily Duarte Phone: 480-999-2338 Dated: September 10th 2013 Views: 488 About Carlie Goulet: What We Stand For
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