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  • [Infographic] 5 Common Financial Mistakes Couples Make (and How to Fix Them)

    22 January 2020


    [Infographics] 5 Common Financial Mistakes Couples Make (and How to Fix Them)

    Arguing with your spouse about finances is more common than you think. With money problems being the second leading cause of divorce after infidelity, it’s a topic you should take more seriously with your partner.

    Marriage is all about compromise, and it takes a lot of time and effort for it to be successful. Most of your journey will revolve around different milestones that will require you to invest your money. Whether it’s the big things like moving to a new house and starting a family or your day-to-day expenses like bills and food, the subject of money will inevitably come up.

    No matter how much you love your partner, living together and merging your lives (and finances) is bound to get challenging during some points. Here are some common financial mistakes couples make and how it can be fixed.

    [Infographics] 5 Common Financial Mistakes Couples Make (and How to Fix Them)
    1. Not talking about money

      Have you and your spouse discussed your financial plans with each other? This is a critical topic for your marriage. There’s no one-size-fits-all approach when it comes to handling finances, but, at the very least, you should agree about it.

      Some couples believe that keeping their accounts separate is key; others think they should put it all in one account; while some do a mixture of both. This gets tricky if you keep postponing this major discussion, or find out your money management techniques don’t align.

      How to fix it:
      Make sure you talk about your financial set up early on, so you can figure out how to work through your unique financial management tactics. You can experiment with what works for you and lay your expectations so that things are clear from the start.

    2. Keeping financial secrets

      Financial infidelity is a big deal-breaker when it comes to relationships. This is when you hide a purchase from your spouse or if you’ve been keeping a secret bank account that they’re not aware of. Any secret is harmful to relationships, so it’s understandable why this will cause a problem if your partner finds out.

      How to fix it:
      Tell the truth. It’s best to come clean. Be transparent with your partner about your purchases—whether major or minor. If you feel the need to hide it, then all the more should you open the transaction for discussion. It’s better to talk about it now, rather than wait for them to find out.

    3. Living for one instead of two

      There’s no going around the fact that you and your spouse will share financial responsibility. It’s crucial to align your lifestyles and spending habits, as neither can continue living and spending as if they’re single. The problem here arises if no compromise takes place, and each couple has no regard over their shared funds.

      How to fix it:
      You should line up your lifestyle with your shared income. You’re allowed to indulge from time to time, but it’s time you prioritize your shared expenses and consider your partner before you make huge purchases for yourself.

    4. Letting power play enter the picture

      It’s quite common for one party to have a bigger paycheck than the other. Rarely do you find couples who are working in the same industry and even on the same job and income level. This becomes an issue when the person earning more feels like they have more say or control over where the money goes.

      How to fix it
      : Trust in your partner and look at your money as “ours,” not “mine” or “theirs.” Make decisions together, and don’t let the person with the higher paycheck decide and control over financial decisions. If you happen to be the one earning less, don’t feel guilty about it. Instead, focus on growing your assets together and creating a great life for your family.

    5. Poor family planning

      In this day and age, it can take quite a toll on your finances to raise a child. Unplanned pregnancies could make things rocky for your relationship if you haven’t adequately discussed starting a family yet. Not surprisingly, frustration can arise if you discover that you’ll have an addition to your family.

      How to fix it
      : Be open with how many children you want to have if any. Talk about how you’ll be financially ready to support your child until they become an adult. You should have insurance laid out so you can cover unforeseen expenses too. A good example is BPI AIA’s Family Care Plus, which allows you to protect your family, safeguarding you and your spouse for the price of one.

    Communication is Key

    Discussing finances and being open with your partner about money is one of the best things you can do for your marriage. Communication is vital for healthy finances and an even healthier, longer, and better relationship with your spouse.

    Take time to go through your plans and how you want to manage your money, so you can be sure that you’re always on the same page. Expect that you won’t be talking about this once—you’ll soon realize that money talks will be part of your regular conversations. The more you practice doing this at an early stage, the more natural this will be later down the line.

    When planning about your family’s future, it’s best to start talking about how you can set things up for the future, too. One of the best ways to do this is to look for investments like insurance.

    BPI AIA is one of the leading companies providing life insurance in the Philippines, and it’s easy to set up an appointment with their bancassurance sales executives. Visit them at any of their 900 branches nationwide to hear more about your options.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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