It is an age-old custom of getting flowers to a person as a sign of saying sorry for the mistake you committed. Similarly, if your spouse has already done the damage of spending way too much money without your knowledge, they will act extra generous and affectionate towards you.
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It is great to have hobbies and share them with your partner. It is one of the ways you get to know your partner better. However, there are certain habits which can be financially addictive.
Talking about financially addictive hobbies, these are the hobbies that are expensive if they occur repeatedly. They may not seem so expensive on a stand-alone basis, but the fact that they are addictive makes them expensive. Gambling is probably the worse of such habits. Whoever starts gambling, they start it as a pastime or as an interest. However, they get sucked into it so bad that they can’t easily get out of it. What’s worse is that the more you gamble, the more money you tend to lose. If you are winning, you would use the money you won to gamble further and make more money. If you lose, you add more of your own money hoping to win. This is how it sucks out your finances and leaves you without money. If you’re married with your partner for a long time, you claim to know them to a great extent. You are familiar with their mannerisms, interests, hobbies and routine. You are aware of almost all the articles they own and the new ones that they bought.
However, if you notice that there are various new things in the house that your spouse is using and you have no idea where they bought it from, it may give way to suspicion. You may find your spouse with a new phone without you having knowledge of her buying it. You may find them having food from the most expensive restaurant on a regular basis. You may find them with loads of new clothes without you having any knowledge about it. It is never an issue if your spouse makes purchases without letting you know. You are to have all the information about their buying history, but it isn’t so if they buy more and more expensive items without your knowledge. No matter how much money you have, you will always be in need of finances. Hence, you should always try and manage your finances in a way that you have enough money, irrespective of your current status. Especially if you are married, you need to make more efforts to ensure that you are financially stable throughout. However, if your spouse starts to overreact and panic for your financial future, there is something fishy.
When a couple gets married and moves in together, they share a number of facets. They open a joint bank account. They sign up for various departmental stores cards. They buy insurance jointly. They make a number of investments together to look after their future. They register themselves for the best pension schemes. All of these decisions are made by their own free will and they enjoy sharing these financial facilities. Hence, if your spouse wants your mails to be segregated and tries ‘filtering’ the mails and letters, ensuring that they see it themselves before you or anyone, something could be amiss.
Two of the most common ways of spending money are debit and credit cards. Ideally, a married couple should have both the cards. If they want to pay for their expenses later and they are not sure about the extent of their expenses, the use of a credit card would be wiser. On the other hand, if they know the amount they want to spend or if they need hard cash any time of the day, a debit card is more helpful. However, something as simple as the use of debit cards for withdrawing money from the ATM machine can also indirectly turn out to be one of the means of financial infidelity.
Most married couples choose to have a joint credit card. As they live together and incur a lot of expenses, having a joint card is considered more beneficial. This also ensures transparency between the couple as both are aware about each others expenses and areas of expenditure.
However, a situation may arise when you find out that you have been removed from the joint credit card. If you are an authorized card holder and an active user, being removed for an unclear reason gives rise to hundreds of suspicions. Such a financial infidelity is not at all healthy for a couple. There may be several reasons for this. Your spouse may be indulging in unnecessary spending without you knowing about it. They may be spending into areas you don’t like them to spend. This may also make you feel betrayed as you are not allowed to look into the expenditure of the card you were an authorised user of. No matter what your income is, it will always be lesser than your wish to spend. After you get married, the expenses are likely to rise as you start your family. Here, credit cards serve your purpose fairly well. You spending power gets better with a credit card. However, this may also cause certain complications.
There have been several cases in which husbands encounter statements for credit card statements they have no idea about, or vice versa. They later discover that the statement belongs to their spouse, and that they possess a credit card without them having any knowledge about it. There may be several reasons for this. Your spouse may want to purchase certain items that you don’t like them to buy. They may not want to depend on your credit card and don’t want you to know that either. They may want to start a little business of their own and want independent funds for the same. Also, if you want to take an optimistic look at this, they may want to make purchases to give you a big surprise! |
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