:quality(85)//cloudfront-us-east-1.images.arcpublishing.com/infobae/B3M7GB3TPFA33BRETHX5MS5IX4.jpg "Valentine’s Day: tips to improve your finances as a couple")
This February 14, Valentine’s Dayin addition to thinking about what to give that special someone, it’s also a good time to talk about a delicate and important subject: the couple’s finances.
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At the beginning of the 20th century, two intellectuals are the protagonists of an unrequited love story. The journalist and the writer had fallen in love like never before, but the young philosopher felt only respect and admiration. The outcome of this event ended with the life of one of the protagonists, drowned by an illness.
In this sense, it is necessary to have an organization of personal finance and take into account how much was spent and whether it was more or less than expected. This is a good opportunity to assess the aspect cheap couple.
Money management is becoming more and more important every day, so the ABC of BCP shares these five tips for healthy finances as part of the Valentine’s Day.
Knowing the other person’s plans and goals can provide clarity as to whether they are following the same path. It is important to talk about the income, expenses, debts and the spending aspirations of both. This will allow you to be sure of their destination.
Once they have a clearer picture of the situation they find themselves in, it’s time to plan the budget that will help them achieve their goals. They can make a list of all their income and expenditure, both fixed (those that are repeated month after month, such as housing, food and transport) and variable (those that are not essential, such as leisure and vacations). This way they will know how much they are spending and how much they have.
Now is the time to speak the truth and see how much each can contribute according to their income and expenditure. The best recommendation is that the contribution be proportional to the salary so as not to harm those who have less income.
In order to fill the proposed plan they need to know where the money will be managed. These can be separate, shared or mixed bank accounts. The ideal is the last option, which is to have an additional account that both have access to and can see the growth of their funds, while at the same time they maintain their own accounts to avoid confusing the personal savings with parent
To motivate family savings, offer compensation that is within your means. It can be a trip, a relaxing weekend, or the start of your first joint good. So they can feel the their effort pays off.
He “month of love” It can be a beautiful time for those who have a partner, but it can also be a very difficult date for those who have just ended a relationship.
Images for Valentine’s Day with phrases of love and friendship
Find and download tender love and friendship images to send to your partner or friends for Valentine’s Day, the day of love.
investment platform, tybareviewed the steps to take after a breakup so that, despite the difficult time, you can make informed decisions and help your finances help you start over.
1. Accept that the relationship is over and don’t block your feelings:
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Although it is the day of love and friendship, people are not free to experience acts of infidelity and find out about them on this date.
The relationship ended, and whatever the reasons why it happened, you must be aware that now your emotions will vary in the weeks to come. These feelings can range from regret to resentment, “Psychology experts recommend not blocking out these feelings, and financing and investment We say it’s best not to make big financial decisions at these emotional peaks,” he said. José Ibarra, chief experience owner at tyba.
2. With a cool head, make a list of common assets and debts:
Married life, regardless of the duration of the relationship, may have involved share some expenses, such as a subscription to Netflix, Prime or Spotify, or the purchase of a good such as a car or an apartment. Make a list of everything they have acquired, and even debts they have jointly incurred, so that you can begin to organize your finances and, as a next step, they can distribute, keep or agree on the terms of payment.
3. Decide which things are likely to be distributed and which things everyone keeps:
On the previous list, you should think that things can be distributed equally or according to the level of investment of each one. Remember that regardless of the fact that there is no legal connection, when dealing with mortgages or the distribution of assets and debts of a large sum of money, it is advisable to seek advice from a lawyer to avoid future problems.
4. Regain your financial independence and focus on your personal dreams:
With the separation of assets clearly defined and the money you have, you have recovered your economic independence. Now is the time to look ahead and set your personal goals, maybe reclaim a dream from the past that you weren’t able to achieve because you prioritized your relationship, or find a new goal that’s right for you. makes you happy at this stage of your life. Start planning them in time and think about the budget you will need to make them happen.
5. Put your money to work to achieve these dreams:
It’s time to start invoicing and there are plenty of ways to do it. “If you have money saved, it is better to put it to work so that it generates profitability over time, since being always in a savings account, after a few years it will be affected by inflation and then we will lose power of purchase. In the tyba app, people can find a quick and easy way to start investing in mutual funds from low amounts, there are even options from S/20 or 5 USD. The platform identifies the risk profile of each and offers options that adapt to each, or allows the person to choose where they want to invest and in which currency. There are different options for local and international mutual funds so that money starts flowing in different markets and sectors,” Ibarra pointed out.