Marriage Future Financial Arrangement.

[m2017]

Before getting  married you need to talk about  your future financial arrangements with your intended spouse now.

Usually, before the wedding, other questions are discussed: "darling, where are we going on our honeymoon?"

Will we have a joint bank account or separate accounts?

If it's a family, then in theory, finances should be shared. At least, that's how it usually works. That is, they earn and save together, but the spouse who is more competent in this regard manages the "wallet".

Which spouse will be more adept at keeping  financial records  and seeing that bills are paid?

The spouse who manages to earn more. Or who is a financier \ accountant by profession. In other words, demonstrating one's financial competence.

How much money can one of us spend on a purchase without consulting the other?

Equivalent to pocket money. Again, the spouse who occupies the dominant position (the one most likely to manage the finances) in the family is not obligated to account to the other spouse. Generally speaking, roles and spheres of influence simply need to be defined. For example, a wife shouldn't have to account to the other spouse about whether she'll cook chicken or beef today.

            So what's your suggestions or what's your take on this!

My opinion is this: spouses can discuss anything, but the question is, how will the agreements be implemented? Mere words have no legal force and are not a lever of influence.

It's always important to remember that "tomorrow" the status of "spouse" could easily change to "divorced \ ex-spouse", and then your agreements become meaningless. Don't get your hopes up and assume things will be different for you, but rather look at the divorce statistics.


In some countries, there are ways to “get around” a marriage contract, and in the event of a divorce, all common property (and it will be considered common property in the event of a marriage) will be distributed according to local law (usually 50 \ 50).

[Disconnecting]

I don't know of others but for me if I am working and my woman is working, I don't see the need of having a joint account. Everybody will have their own account that they operate. My wife has no business in knowing how much I earn and how much is in my personal account. If we are going to do this joint account something it will only be an account for feeding and running the house. You will think that you are in love and doing the right thing till a woman will strike you and show you their true colour. The less your woman knows about your finance the better for you as the Man.

I think there is no need to make this a “man vs woman” issue because marriage or a relationship is not just about being together but also about trust, transparency and mutual respect. Having separate bank accounts works for many couples, there is no problem with that and I also support it that both of you have separate accounts but that just because your spouse has no right to know how much money is in my account it doesn’t really look good because the person you married is not just your roommate but your closest person so she should have the right to know.

Anyone can have a bad experience here, be it a man or a woman but it is not right to judge an entire society by the behavior of one person and if we think from the beginning that one day she will “show her true face” then it is difficult to say how healthy that relationship can be because a family never survives without trust and the security that just keeping separate bank accounts will bring is not the same.

The point is to discuss everything openly between the two of you, set boundaries and make all decisions with the consent of both of you. Some people want a joint account, some don't. Both are different from each other's point of view but if it comes from a place of understanding rather than fear of each other then I think any relationship will be a good one.

[Fortify]

Before getting  married you need to talk about  your future financial arrangements with your intended spouse now.You can do this by considering some of these questions, Like how will our income be budgeted? Will we have a joint bank account or separate accounts? Which spouse will be more adept at keeping  financial records  and seeing that bills are paid? How much money can one of us spend on a purchase without consulting the other?
            So what's your suggestions or what's your take on this!

When you marry someone you should be doing it for love really, that you feel like an equal and share many common interests together. That is how it will weather the good times and bad, anything outside of that is a pure gamble on how long you can tolerate each other, but this often fails eventually. There is going to be some give and take, if you think your partner is somehow obsessing about money then you should probably take those warning signs and act on them before getting married. Be very clear at the outset what is going to happen in future and talk about finances, there are sometimes "lopsided" arrangements where one person had more wealth than the other, but that is not everything in life and there is plenty a person can offer besides money.

[Dictator69]

It's a good idea and the best marriages are those with good communication. You must also expect a fair share and contribute in different ways. For example the wife might clean the house but the husband may be expected to maintain the garden/do odd jobs, but these roles are by no means fixed. In any relationship money can end up as a contentious issue, so it's better to resolve any questions up front so there is no kind of resentment or bitterness that can build up.

In marriages, money should not be an issue. A husband must share his financial situation with his wife. Keeping her in the dark means creating doubt in her mind. She might think you own a lot, or she might think you are broke. If she is working, then it becomes more contentious because she will think she is feeding you, but that will become a problem in her mind, like why is she doing that? It should be her husband's job as well.

When both start comparing, asking why I am the only one doing it and why you are not, things get ugly. I have not experienced this so far, I am in a happy marriage, but I have seen so many marriages get ugly due to this.

It is not always about money, I think. It is about comparing.

[Hanadawa]

The point is to discuss everything openly between the two of you, set boundaries and make all decisions with the consent of both of you. Some people want a joint account, some don't. Both are different from each other's point of view but if it comes from a place of understanding rather than fear of each other then I think any relationship will be a good one.

Communication before marriage is crucial, especially regarding sensitive matters like finances and the boundaries that must be respected. Some people prefer joint savings because it means they will always be connected and must trust each other and work together to manage their family's finances. Others prefer separate accounts because a joint account requires mutual consent and can lead to future problems. They have their own accounts, but they also have a joint account that serves as the foundation for their spending as they build their family. I think both have their positives and consequences. This isn't difficult if communicated beforehand. Unfortunately, many people consider finances a sensitive topic and shouldn't be discussed before marriage because they fear it will influence their premarital judgment. However, I believe openness is one of the factors that contribute to a happy marriage.

[puloweh555]

Before getting  married you need to talk about  your future financial arrangements with your intended spouse now.You can do this by considering some of these questions, Like how will our income be budgeted? Will we have a joint bank account or separate accounts? Which spouse will be more adept at keeping  financial records  and seeing that bills are paid? How much money can one of us spend on a purchase without consulting the other?
            So what's your suggestions or what's your take on this!

Money is one popular reasons for the high rate of divorce. Couples should agree on how money will be used in the family before marriage. When there is no financial integrity and accountability in the home, it leads to conflicts. Trust is developed between couples if there is financial openness. Your partner should know how much you earn and how it is spent.    

That's right. Couples who are about to get married should be open and honest about their finances from the start, so they don't regret it until after they're married. Many divorces occur due to unstable or even poor financial conditions. Therefore, good financial management in a household is essential and this should be a requirement for every household to ensure a long lasting marriage.

Anyone who has a family knows that almost 50% or more of their salary is spent on daily needs. This means most of us don't have time to think twice and our salary can quickly disappear without any left over for savings or investments. Small decisions when you get your paycheck can determine your financial future. By allocating more wisely such as setting aside money for savings or investments you can prevent your money from running out before the end of the month and start building long term financial security.

[dezoel]

In marriages, money should not be an issue. A husband must share his financial situation with his wife. Keeping her in the dark means creating doubt in her mind. She might think you own a lot, or she might think you are broke. If she is working, then it becomes more contentious because she will think she is feeding you, but that will become a problem in her mind, like why is she doing that? It should be her husband's job as well.

When both start comparing, asking why I am the only one doing it and why you are not, things get ugly. I have not experienced this so far, I am in a happy marriage, but I have seen so many marriages get ugly due to this.

It is not always about money, I think. It is about comparing.

It is not one sided, a husband should share his money and wife should share her money and they should share one income. Sure you could have two salaries, but you consider that as total of how much you guys earn together, doesn't matter who earns more. Then after you total it, you spend it together and do not look at how much who spend on what.

Unfortunately I never had that fun, because we both earn but we pay our debts so we never argue about where the money should go, because it goes to banks anyways.

[imthegreat]

However, I believe openness is one of the factors that contribute to a happy marriage.

In any case, it's highly advisable to discuss this before marriage, as a profound misunderstanding of various financial aspects can lead to divorce or an unhappy life. But many women are afraid of such conversations; they're intimidated by the need to plan for such matters, and they often demand that the man pay for everything. Women often adhere to the principle of "my money is my money, and my husband's money is ours."
And I'm sure this is the case not only in my country, but in yours as well. Relationship and financial principles are the same everywhere.

[Dictator69]

It is not one sided, a husband should share his money and wife should share her money and they should share one income. Sure you could have two salaries, but you consider that as total of how much you guys earn together, doesn't matter who earns more. Then after you total it, you spend it together and do not look at how much who spend on what.

Unfortunately I never had that fun, because we both earn but we pay our debts so we never argue about where the money should go, because it goes to banks anyways.

One of the benefits of banks I didn’t know before, and you just shared it in a very chill way, haha, really amazing. I hope your debts will be paid soon and you guys will fight over money then, haha, I'm just kidding, sorry. I hope you stay together for the rest of your lives, healthy and happy.

You are right about sharing and not arguing over where to spend. Although in my house, I'm the only one who earns, my wife doesn't. She prefers to stay home, and I have no problem with that. She is a housewife. I want to earn a lot for her and give her what she wants, and I guess maybe we also won't be arguing over money this way, as no one would be comparing.

[Unknown Op]

It is not one sided, a husband should share his money and wife should share her money and they should share one income. Sure you could have two salaries, but you consider that as total of how much you guys earn together, doesn't matter who earns more. Then after you total it, you spend it together and do not look at how much who spend on what.

Unfortunately I never had that fun, because we both earn but we pay our debts so we never argue about where the money should go, because it goes to banks anyways.

One of the benefits of banks I didn’t know before, and you just shared it in a very chill way, haha, really amazing. I hope your debts will be paid soon and you guys will fight over money then, haha, I'm just kidding, sorry. I hope you stay together for the rest of your lives, healthy and happy.

You are right about sharing and not arguing over where to spend. Although in my house, I'm the only one who earns, my wife doesn't. She prefers to stay home, and I have no problem with that. She is a housewife. I want to earn a lot for her and give her what she wants, and I guess maybe we also won't be arguing over money this way, as no one would be comparing.

We are living in that time in which your spouse earning matters a lot because if you are only person who are doing job and is getting income then it will be burden on your head because you will pay all bills and rent of apartment or home and will purchase items for the cook . Many people are saving their money because both partners are doing work for money and they are living happy life and if someone want to take responsibility of whole family then it is his own choice but I think that is burden in the time of inflation. If you will save money in your bank account and you will invest, this amount will be double in few years and if your spouse is earning then she should save money for any kind of emergency.

[Olatundespo]

Before getting  married you need to talk about  your future financial arrangements with your intended spouse now.You can do this by considering some of these questions, Like how will our income be budgeted? Will we have a joint bank account or separate accounts? Which spouse will be more adept at keeping  financial records  and seeing that bills are paid? How much money can one of us spend on a purchase without consulting the other?
            So what's your suggestions or what's your take on this!

In my opinion it would be right to discuss and plan in detail not only about financial matters but also about future plans before marriage. Many conservative families do not allow wives to work after marriage which causes family unrest. It is better to discuss how interested the wife is in working after marriage and what your attitude is before making a decision.

Setting a family budget or opening a separate bank account or how much money will be spent on the family if the wife works should be resolved through discussion because in modern society, the main reasons for family conflicts are related to financial matters.

[Minor Miner]

You are right about sharing and not arguing over where to spend. Although in my house, I'm the only one who earns, my wife doesn't. She prefers to stay home, and I have no problem with that. She is a housewife. I want to earn a lot for her and give her what she wants, and I guess maybe we also won't be arguing over money this way, as no one would be comparing.

As someone who is married and has some experience with marriage. I want to say that I do not think your wife stays at home just because she doesnt like going to work

I guess she decided to sacrifice her youth and dreams, stepping back to take care of the house and raise the children. The purpose is to help you have more time and focus on your work

It is a huge trade off, but very few husbands understand that. Many men even think their wives are freeloader, without realizing that those jobs are just as stressful as any other job outside. If their wives did not shoulder those responsibilities, they would never have enough time and energy to earn money

Therefore, husbands should love their wives. Do not be narrow minded and selfish, thinking of them as nothing more than parasites and distrusting them.

[bakasabo]

I don't agree that financial agreement must be made between husband and wife, and plan which category of expenses must be whose responsibility. I think each partner must do instantly on free will and on the same understand that he or she must pay for something. Even though each must have his own budget, everyone must find balance between own and partners expenses. It should not be that husband pays bill, wife pays for food only. Both must be flexible and be ready to pay. In our family we have un unspoken rule that I usually pay bills, but during cold period, when bills are higher, or for example I have spend on car maintenance, wife pay part of the bills. Even though I can pay them myself, or havent asked her to pay. We do not need documentation for that. It wont be a life if everything will be under rules or contracts.

[Dictator69]

As someone who is married and has some experience with marriage. I want to say that I do not think your wife stays at home just because she doesnt like going to work

Therefore, husbands should love their wives. Do not be narrow minded and selfish, thinking of them as nothing more than parasites and distrusting them.

I am happy that you are not one of those narrow-minded and selfish people and actually cared and believe me, I am also not selfish and narrow-minded but you also have to understand that if your partner prefers not to do a job, then you have to understand as well. What if her dreams are to spend most of her time with her children and give full time to family? As a matter of fact, just because it won't turn into something I don't want to, she is allowed to do a job, no restrictions at all, as a matter of fact, as Unknown op shared his point on this matter that how helpful it would be if your partner will also earns. The burden on two shoulders will be divided onto the four and things will get easier and I agree with that.

By the way, you are right, some husbands don't want their wives to work, go outside and other things I won't bear at all. They should not be consider parasite, how could someone think of their partners as parasite really.

[sunsilk]

And this is how people will think about the acquired assets and wealth that they have. Yes, they will love their partners as they get married.

But you know that there are people who likes to protect what they have worked hard. If they cannot have it as a conjugal assets and investments.

They can sign a prenuptial agreement for that and, that's where another doubt from the partner if they are truly loved.

We know how things can go from that when someone truly loves or not their partners when money and wealth is involved.

[bakasabo]

How about improving such characteristics as reading your opponent and diplomacy instead of making marriage financial arrangement? First will help to spot wealth hunter, spot person who is planning to cheat or take money elsehow. Second will help to try to get dry out of water. Instead of diving finances, use diplomacy to end relationship peacefully. If it is possible to end everything with just negotiations, that will be great.

[Zanab247]

Before getting  married you need to talk about  your future financial arrangements with your intended spouse now.You can do this by considering some of these questions, Like how will our income be budgeted? Will we have a joint bank account or separate accounts? Which spouse will be more adept at keeping  financial records  and seeing that bills are paid? How much money can one of us spend on a purchase without consulting the other?
            So what's your suggestions or what's your take on this!

Don't forget that some ladies will not welcome this idea in their future home when you are about to get marry to them, because they will begin to see you as a man that will not take good care of a woman or future children. As a responsible man you have the authority to tell your wife to be how you want the marriage to be so that there will be enough money to finance other home things that will make the entire family to experience surplus of food and money in the house.

I will not advise you or anybody in this community to have joint account with his wife or her husband  you don't understand very well, because we have heard a lot of story from some family when some men and women mistakenly embark on such agreement to open joint account with his wife or her husband that turned to crisis that lead to court to give out judgment, and the money was shared equally to them.

[Nahl]

Speaking about money is sensitive and plenty of problem caused this thing and for marriage financial is important because it can determinated our marriage future besides that our financial condition will determined our life after marriage that's why discussion with your partner before marriage to talking about money management is necessary besides that we should ensure our partner should be honest to managed the financial to avoiding the thing we don't want it and based on my personal experience and one of the most important too do not married with the partner who has large debts of histories because this habit can make you get in trouble to managing your financial condition

[Zlantann]

Speaking about money is sensitive and plenty of problem caused this thing and for marriage financial is important because it can determinated our marriage future besides that our financial condition will determined our life after marriage that's why discussion with your partner before marriage to talking about money management is necessary besides that we should ensure our partner should be honest to managed the financial to avoiding the thing we don't want it and based on my personal experience and one of the most important too do not married with the partner who has large debts of histories because this habit can make you get in trouble to managing your financial condition

Young people are driven by love, lust or infatuation, while they fail to discuss important issues. It's not wrong to be in love with someone but other issues must be discussed to ensure that both people are compatible. Couples are coming from different backgrounds which affects their perception of family finance. This is why people need to discuss how money will be managed in the family before a marriage commitment is made. Religious or cultural differences could also affect people's financial views. For marriage to be successful both parties would have to have a common ideology of family finance management.

[Jostern]

Before getting  married you need to talk about  your future financial arrangements with your intended spouse now.You can do this by considering some of these questions, Like how will our income be budgeted? Will we have a joint bank account or separate accounts? Which spouse will be more adept at keeping  financial records  and seeing that bills are paid? How much money can one of us spend on a purchase without consulting the other?
            So what's your suggestions or what's your take on this!

It looks like you are only targeting men by your questions because frequently women aren't the side that opens topics about financial management before the mariage. Personally, I will suggest a financial plan to manage family budget from both incomes me and her because I refuse to marry a jobless woman for several reasons.

Men are always the focus when it comes to financial management in marriage, you should know how the world works that when it comes to financial planning it’s mandatory that men have this responsibilities unless you’re telling me that you want to be an ignorant man, that would ignore the important things, but the most effective way of how things are done, is for women to be supportive to men, if a man gets married and they have a woman who is also supporting financially I think it gives the man some ease to be more comfortable and more confident with financial management, marrying someone that is jobless and doesn’t care about finances at home is a very awful thing in marriage, and this things makes marriage not to last longer, things like paying the bills, mostly keeping financial records is something that women can do very well, which is why women are more likely to be able to keep financial records.