There are a lot of things to consider before cohabitating or combining finances.
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Moving in together is a financial commitment, and so is marriage, so it’s important to consider the tough issues you’ll face as a cohabiting or married couple. Dr. Romance presents seven things you should consider before entwining yourselves financially as well as emotionally.
1. What is your definition of commitment?
You and your partner define your relationship. Know what your relationship means to each of you, to avoid repeating past mistakes, getting stuck in uncomfortable roles, or fighting about what your commitment is. Talk about what you mean by relationship, commitment, love, and faithfulness. You'll be amazed by what you learn.
2. Have you discussed finances?
Money is a big generator of problems, arguments, and resentment in serious relationships. Don't assume money should be pooled. For many couples, separating the money makes things run smoother; you don't wind up struggling for control of who pays or whose income determines your lifestyle. Different financial habits (one likes to save, the other spends more, or doesn't keep track) can generate fights. Whether you split costs evenly or on a percentage basis, learn to talk about money in a businesslike manner.
3. What about household responsibilities?
Different decorating styles, neatness, and organization levels can cause arguments, and so can household chores. Different tastes may require creativity and negotiation to decorate a shared home that is comfortable. Negotiate before moving into your partner's established home. You may have trouble feeling as if you "belong" in a home previously established by your partner, unless you reorganizing and redecorating it together.
4. How close are you to family or friends?
If one of you has a lot of family or friends, and the other does not, or if you both have big families, find out what those relationships mean. Where will you spend holidays? If there are family members who have problems, such as financial stress, addiction or mental illness, how much will that impact your relationship?
5. How do you handle anger and other emotions?
We all get upset from time to time. If you are usually good at diffusing each other's anger and being supportive through times of grief or pain, your emotional bond will deepen as time goes on. If your tendency is to react to each other and make the situation more volatile and destructive, you need to correct that problem before you live together.
6. How do you show love to each other?
Talking about which actions and words mean love to you may be surprising. Discussing how you give and receive love will improve your relationship, and help you understand what makes each of you feel loved, and how to express love effectively.
7. How well did you discuss these very questions?
These questions are excellent tests of your ability to define and work out problems. Constructive discussion that leads to a mutually satisfactory solution means you know how to solve problems in your relationship. If you fight, get counseling before going further.