Newlyweds WAJIB tahu this Financial Tips!

1) Equal partnership: every major decision should be made together. If there’s no agreement then dont purchase. I understand many would say that we girls should secure asset of our own tapi these type of things still need to communicate.

My husband and I quite transparent with our finance so everytime kita nak beli something that cost a lot of money, we would open excel tu untuk check whether the new commitment will affect our current planning. If yes then put it on hold cause the last thing you want to do is add another debt.

2) Trust and Transparency: both should be paying for the commitment (groceries, utilities, house). I think many still think that men should be the one providing but honestly I rasa when you commit to relationships, you should help one another.

I suggest you to do it this way so if there’s anything you want to add in the list, you boleh arrange it together to make it work. Plus, your life would be much at ease tak beban alone.

🪄List down your monthly commitment

🪄Split commitment (house, car)

🪄Set budget on (groceries, grabs, shopping)

3) Eliminate debts: make plan together for how you will get out of debts. Communicate with one another on the loans you have and plan your career progression together.

Contohnya, if you plan nak move to different company please identify first whether the position boleh bagi you salary yang dapat bantu you cover your commitment. As much kita nak bahagiakan diri kita kejar dream job we also need to be realistic cause apa guna dapat dream job if tak dapat cover our commitment 🥹

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