{"id":4770,"date":"2021-10-17T20:40:00","date_gmt":"2021-10-17T20:40:00","guid":{"rendered":"https:\/\/polamfcu.com\/?p=3745"},"modified":"2021-10-17T20:40:00","modified_gmt":"2021-10-17T20:40:00","slug":"talking-money-with-your-future-spouse","status":"publish","type":"post","link":"https:\/\/polamfcu.com\/pl\/blog\/talking-money-with-your-future-spouse\/","title":{"rendered":"Talking Money with Your Future Spouse"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3746 img-responsive\" src=\"https:\/\/polamfcu.com\/wp-content\/uploads\/2021\/10\/Talking-Money-with-Your-Future-Spouse.jpg\" alt=\"\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Getting married is one of the most exciting and life-changing experiences for any adult. However, when you decided to spend the rest of your life with someone, you\u2019re making big changes in all aspects of your lives as well. One of the biggest and definitely the most important steps is deciding how to handle your finances once you\u2019re legally married. It can certainly be a challenge, but it can easily be done with the right amount of communication and discussion. The decisions you make as a married couple can affect the future of your finances for years to come.<\/p>\n<p>&nbsp;<\/p>\n<p>Here are some the most important topics and steps you and your future spouse should go over together:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Your overall financial goals.\u00a0 <\/strong>Two people can be compatible in most ways, but if they don\u2019t have the same or similar goals when it comes to their finances, it will probably not work out well in the long run. Before you tie the knot, go over both short-term and long-term financial goals that you can achieve together. Short-term goals can include paying down a credit card, buying new furniture or a new car, or vacation getaways; long-term goals generally include homeownership, becoming parents, and ideal retirement plans.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Deciding whether to merge your bank accounts and your money.\u00a0 <\/strong>Before you and your future spouse marry, this is a very important decision to make. Sharing a joint checking account comes with a number of advantages: your money all goes into one account, you\u2019ll save money on maintenance fees from having two separate accounts, it\u2019s easier to keep track of your financial records and statements, and so forth.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Planning out your ideal budget.\u00a0 <\/strong>If you\u2019re already living with your future spouse, you may already have a budget lined out. Even if that\u2019s the case, your financial situation will change to a certain degree once you\u2019re legally married, notably for tax purposes. If you haven\u2019t created a budget or if you think you need to overhaul your current budget, start by listing out both of your income sources (salary, investments, dividends, etc) along with your monthly expenses (rent\/mortgage, utilities, credit card, groceries, etc) so you know how much expendable income you have each month. Make sure you\u2019re in agreement on who ensures the bills are paid on time, and maintain a record-keeping system (online and mobile banking are a good jumping-off point) for all payments.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; Getting married is one of the most exciting and life-changing experiences for any adult. However, when you decided to spend the rest of your life with someone, you\u2019re making big changes in all aspects of your lives as well. One of the biggest and definitely the most important steps is deciding how to &#8230; <\/p>\n<div class=\"read-more-box\"><a class=\"btn\" \n href=\"https:\/\/polamfcu.com\/pl\/blog\/talking-money-with-your-future-spouse\/\">Continue reading<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-4770","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Talking Money with Your Future Spouse - Polam Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polamfcu.com\/blog\/talking-money-with-your-future-spouse\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Talking Money with Your Future Spouse - Polam Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"&nbsp; &nbsp; Getting married is one of the most exciting and life-changing experiences for any adult. 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