{"id":1,"date":"2022-02-10T11:59:00","date_gmt":"2022-02-10T11:59:00","guid":{"rendered":"http:\/\/blog.kashly.in\/?p=1"},"modified":"2025-04-24T12:22:37","modified_gmt":"2025-04-24T12:22:37","slug":"5-healthy-money-habits","status":"publish","type":"post","link":"https:\/\/kashly.in\/read\/5-healthy-money-habits\/","title":{"rendered":"5 Healthy Money Habits to Start Your Marriage"},"content":{"rendered":"\n

Finance! They are already complex enough as an individual and even harder when another person who has their independent ideas is involved. Given how personal and challenging it can be to make financial decisions on your own, it’s no surprise that working with a partner on this regard can be a lot more difficult.<\/p>\n\n\n\n

Whether to combine, split, or share the funds – the system Amanda Clayman, a financial therapist based in Los Angeles calls the “one pot, two pot, three pot” method really depends on the best interest of you and your partner. Whichever you choose, there are five qualities that are important to maintaining a healthy relationship when it comes to making financial decisions, says Clayman<\/p>\n\n\n\n

  1. Equality- Both partners should have an equal say in monetary decisions.<\/li>
  2. Inclusivity- Both partners should be included; you can\u2019t opt out or pushed out while making any
    decisions.<\/li>
  3. Transparency- If there are any privacies like separate bank accounts or any boundaries that are
    negotiated and understood<\/li>
  4. Flexibility- Be open to change and “change your money habits as needed.”<\/li>
  5. Sustainability- whether your financial health is not overly dependent on 1 partner.<\/li><\/ol>\n\n\n\n

    5 Actions to take as couple to form solid financial Decisions<\/h3>\n\n\n\n

    1. Define your worth in money<\/h4>\n\n\n\n

    These five qualities can serve as “guides to making sure you’re on the same page,” says Kleiman. Once you know the importance of these qualities, she says, “Here are five actionable tips to help you and your partner work towards those qualities.”<\/p>\n\n\n\n

    Seeking your worth around money- This includes your values \u200b\u200bin terms of how you make money, how you spend it, and how you interact with it.<\/p>\n\n\n\n

    Focus on revealing who you\u2019re and what your financial goals are as opposed to what you think is wrong with your partner. Example- \u201cIt\u2019s important to me that my money do XYZ\u201d. Make sure that you address such values starting with word \u201cI\u201d as it shows personal ownership suggests Clayman.<\/p>\n\n\n\n

    2. Communicate<\/h4>\n\n\n\n

    Talking about money matters can be difficult and even awkward. Clayman suggests implementing active listening techniques for those this doesn\u2019t come naturally.<\/p>\n\n\n\n

    For instance, if your partner is talking you can summarise them what you think they had just said and ensure that they have completed their point and then you can talk suggests Clayman.<\/p>\n\n\n\n

    \"family-finance-management\"<\/figure>\n\n\n\n

    When engaging in Money talks it\u2019s most important to do with a commitment to be disciplined in your speech, taking lead and responsibility for yourself and then listening to your partner\u2019s point of view.<\/p>\n\n\n\n

    3. Make sure that you make a concrete ask for what\u2019s important<\/h4>\n\n\n\n

    According to Clayman, it\u2019s really important to make stubborn ask for what\u2019s really critical. However, you may not want to say something like \u201cIt\u2019s really important to me that we save money\u201d as it sounds too vague.<\/p>\n\n\n\n

    Instead \u201cwhat I hope to do is save 2000 more per month\u201d; suggests Clayman.<\/p>\n\n\n\n

    Even if you both agree to save it doesn\u2019t mean you criticize every purchase that your partner makes. Money is something very emotional. When we \u201cmore savings\u201d it often focuses on the typical part or the emotional part as savings feels good and makes you less anxious. However, this is necessarily not how your partner might take. So, it\u2019s very important to make that feeling or value into something more concrete.<\/p>\n\n\n\n

    4. Compromise! Compromise! Compromise!<\/h4>\n\n\n\n
    \"family-compromise-finance\"<\/figure>\n\n\n\n

    If you don\u2019t agree with your partner\u2019s idea of saving 2000 more per month analyse what your partner\u2019s money is going towards. Attempt not to see at the circumstance in terms of what you\u2019re giving up, either. Try to incorporate as many values as a couple in the process. It may come down to 1500 but think of it as giving to ourselves instead of thinking as what we lose.<\/p>\n\n\n\n

    5. Practice & keep track<\/h4>\n\n\n\n

    It\u2019s not a 1-time process. It\u2019s not like you discuss once where, how and what we\u2019re going to do with money, and it\u2019s done.<\/p>\n\n\n\n

    This is more like a continuous work with your partner. There needs to be a regular follow-up regarding this to make sure that it\u2019s conforming to the five principles mentioned earlier says Clayman. This is more like a base to ensure that such conversations are happening rather than running in the background without any attention.<\/p>\n\n\n\n

    It\u2019s often important in the beginning to ensure monthly that the committed expenses & spending allocations are in adherence to you expected to be. This way we can analyse if there are any predictable changes. Make sure that you track periodic fluctuations that may come in.<\/p>\n\n\n\n

    Make sure that both the partners are involved in such conversations at least once a month. To make your monthly financial conversations enjoyable try a change of location suggests Clayman. For example if you go to a coffee shop and bring your computers and papers it could feel like a quality luxurious time together and relaxation.<\/p>\n","protected":false},"excerpt":{"rendered":"Finance! 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