Have you heard of financial infidelity?
According to experts, this is when expenses, income, and debts, among other things, are hidden from your partner.
Experts say this can be a serious problem in a relationship, and it’s even one of the main reasons why many relationships end.
According to psychologist Claudia Campos, financial infidelity “may not be the most romantic topic between the couple, but it can prevent headaches in the relationship and avoid emotional bankruptcy”.
Is a tema del que se habla muy poco, y es que la mayoría de nosotros, al oír “infidelidad en un romance” piensan en las las relations fisicas, sin embargo, la infidelidad financiera es un acto de engaño que puede ser igual de damino para a couple.
“Probably the most common of all is related to concealing expenses that have not been agreed upon or are extraordinary, both the amount and the destination of that money,” Campos said.
It can also be a hidden debt.
“Transparency is number one in all relationships. Having good communication, good financial transparency is very important. We must inform our partners of the debts that we have, that we bring into the marriage,” said Alejandro Mendoza, accountant.
The CPA insists that you need to be honest and create a plan, and recommends that when you’re ready for this dialogue, you should prepare everything and put everything on the table – literally. From credit cards to account statements showing balance and car, student and other loans.
“Knowing that you can also tackle those debts so that you don’t get into more trouble in the long run,” he said.
And what about whether or not you have a separate account from your partner? It is recommended?
“It’s not bad. There are and there are financial sectors that we tell our clients, you have already reached the point of paying your debts, you have already saved money for you all the requirements, this It’s not bad to have your own account, but it shouldn’t be only at the beginning,” he added.
Although he insisted that his partner know that this account exists.
“We don’t want to have an account statement, you open the email, you realize you have a separate account because you’re causing these problems, this financial conflict because you’re being unfaithful,” Mendoza said.
It is very important to openly disclose to your partner all your sources of income, whether it is an inheritance or a recent salary increase, as this builds trust, and consider incorporating regular financial check-ups. to avoid surprises.