If You Have These 5 Signs, Your Spouse Has Financial Problems
Financial Problems
Those of you who are married are very suitable to read this article. Many studies reveal, a difference of opinion on many financial issues that ultimately lead to divorce. If you don't want that to happen, identify these 5 signs in your partner.
Those of you who are not married actually can and are allowed to read this article. The goal is that you can anticipate, know, and be helped to be more open to your partner before getting into a serious relationship.
The reason is, a relationship, especially marriage, needs openness and transparency about many things. Unfortunately, financial problems are one of the important points in the top position in this point of openness. Need a lot of discussions.
In fact, a study conducted by Kansas State University placed money issues as the top cause of household divorce. Compared to other problems, the study also revealed that household disputes over money issues raise more arguments and reduce relationship satisfaction.
To be clear, here are the signs that can describe your partner as having financial problems. That way, you can find out these financial problems and anticipate them quickly.
1. Lots of shopping out of the ordinary
There is a saying that the stake is greater than the pillar, which is interpreted in a financial context as greater expenditure than income. The amount of this expenditure is usually the result of excessive shopping activities. Even out of the ordinary.
From now on, try to pay attention to the shopping habits of your partner. If done through online shopping, try to pay attention to what items are purchased. If possible, calculate how much the expenses are compared to the income. If there are indications of excessive, then it could be that your partner has an impulsive shopping nature.
Also Read: 5 Ways To Get Additional Income For Employees, Can Be From Home!
2. Claiming to have no more money to save
If there is this sign, it definitely proves that your partner has problems with financial arrangements. Because ideally, without any reason, setting aside 10% of your income for saving or investing activities is an obligation. Moreover, your status is married, even have children.
This allocation is non-negotiable. Unless there is an emergency that really requires spending.
3. Always debating until fighting about money
Honesty is the main thing in financial matters. Because usually fights about finances in partners occur because of a lack of open financial management. In addition, there is no plan to manage financial needs together.
In fact, the problem becomes big when one partner is found to buy an expensive necessity item without discussing it first. In conclusion, one party cannot distinguish and place needs and wants. In the end, it leads to the habit of waste.
Also Read: How To Invest To Prepare For Children's Education Costs, Don't Regret!
4. Credit card balance is considered additional income
The assumption at this point is the initial cause of extravagant habits. The reason is, the use of credit cards for consumptive needs has been proven to damage financial stability. Especially when using a credit card to buy things that don't really need to be bought and are expensive.
Usually what happens is, without thinking about whether you will be able to pay the bill later, the most important thing is that the goods can be purchased. Sometimes also because the cash in the wallet runs out, a credit card becomes a substitute. Here the credit card limit is a sweet thing that must be used until it runs out.
5. Complaining the balance is not enough
If this complaint is caused because your partner is looking to save money and wants to leave money on his ATM card, that's fine. But when this complaint is always expressed every month, even the date on the calendar still shows the number 15, it is definitely a red flag.
Setting aside income for the future can be done through investing. However, so that investment profits continue to grow and can become a new source of income for the owner, then you can consider turning these profits into the business sector.
However, so that the process of starting a business runs smoothly, you should choose a business sector that does have promising prospects not only for the next one or two years but for the long term.
One of them that might be considered is a business in the education sector. Why is that? Because, until now education is still one of the basic needs of many people and this will continue to happen at any time.
Now, so that the SME education business that is run is growing rapidly, business capital must be one of the keys that need to be considered. However, you don't need to worry about this because Pintek is here to offer a solution.
Pink is a fintech company for education with a mission to drive the transformation of education in Indonesia through financial services. This means that for those of you who run a business in the education sector, you can apply for financing at Pintek so that your business can continue to run and develop optimally.
Through the PO/Invoice Funding product, businesses in the education sector can get funding of up to billions of rupiah with a tenor of up to 24 months. In addition, the interest charged is also competitive starting from 0.9% to 2.5% depending on credit scoring.
To get funding at Pintek through PO/Invoice products, education vendors only need to guarantee an invoice or an ongoing bill. These funds can be used to fulfill school orders such as the procurement of laptops, books, and others.
To find out more information, you can visit the Pintek official website or have a discussion with the Pintek team via TanyaPintek. You can also contact Pintek at 021-50884607.
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