Finding the One is already a daunting task with the number of men out there pretending to be the perfect gentleman. When finding the right guy for you, one thing that is important for you to consider is his financial goals. Although this has the risk of making you look like you are only after his money, knowing if your partner-to-be has a clear and meticulously planned financial goals is crucial for you to determine if he is someone you can consider as your lifelong partner. Admit it or not, money and the way a person handles his or her finances play a vital role in every relationship. If you are truly in love with each other, the person you will want to marry must be capable enough to financially provide for you and your would-be family during the good times and the bad times.
- Why Financial Security Matters
Sometimes, it is not enough that the guy you are dating is hot, kind, and loves reading books. He must also be financially stable and should give you the security that you need before you settle down and start your own family. This is where living in together first before marriage sometimes becomes beneficial for couples because it allows them to get to know their partners better and how they handle the stressful situations that can challenge them financially. Before you tie up the knot, it is necessary that you take a serious look at how your partner handles his financial goals and commitments. Yes, you have a wonderful job and will not give it up even when you are married and have a baby, but will it be enough to tide you over the dark times?
Here are several ways to determine if you are in the risk of marrying someone who is actually a financial disaster.
- He is Always Out of Work
If he is an artist, then that is stereotypical. Artists need to eat too, hence, it is no longer acceptable even in the creative industry to see people who want to become the struggling artist type. However, if he is not an artist yet he is often out of a job, then something nasty is up. If your partner is always jobless and blames the people he works with or the high rate of unemployment in the country, then there is seriously something wrong with his work ethics. If he is the type of guy who would rather lounge around the house than work his tiny ass off to work, then he is clearly not the man who is capable of raising a family.
- He Does Not Have a Clear Personal Budget
Have you ever asked your boyfriend about his personal budget? Do you have an idea if he actually has one? If you are on a relationship for too long and are planning to get married soon, it is high time that you ask your boyfriend about his personal budget. This way, you will get to know how he plans his finances and whether he keeps some money for his personal savings or not. If he does not have a personal budget, you do not have to panic immediately. Perhaps, he knows how to handle his money but he just does not have a clear-cut personal budget or let alone does not know how to prepare one. If he is willing enough to learn how to prepare a personal budget and stick to it so that he can have enough money to save without having deprive himself of the good things, then that man can be a keeper. However, if he recoils at the sight of a budget plan, then you should consider finding a new man who is responsible with his money.
- He Spends Way beyond His Monthly Income
If your boyfriend is a big spender and excessively spends way too much without any regard to his monthly income, then you need to sit down and talk to him about it if you plan to get married in the next two years. Unless you want to be a wife of a man who lives beyond his ability to support himself, you need to talk to him about his financial goals and the concept of saving. Living a lifestyle that he cannot afford is bad for your future as a couple. Even when he has a stable job, he still has to learn how to budget his money so that he will stop living from paycheck to paycheck and avoid accumulating a huge credit card debt in the future.
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