When the couple were in debt

Sometimes the source of the tangled financial problems did not always come from our own. We also often can not escape the hand when the people closest to us in debt.
The bad again, this couple's financial problems are often the main problem that causes damage to relationships that have been nurtured, not a few couples who met with financial problems that choose to separate because they can not stand the frequent partner in debt. Therefore, before this problem occurs, there should refer to some tips for addressing the couple who were in debt.

Financial Condition honest
Honest attitude toward the couple not only need to apply in social life. In any financial problems, honesty and openness is also important to implement. Mutual disclose how many assets each, how much revenue generated per month and how much spending, too, including how much and what loan or debt burden that still must be repaid, may be the initial step of openness that can be done.
Although reveal about the ownership, honesty is not necessarily a weapon to use the assets to cover debt partner in the future. But honesty and openness is more intended to allow each partner to understand the financial capabilities of each. Thus the correction will be material to the debt problem at hand. Also be a reference to determine the next steps to resolve the debt problem in this together.

Joint Budget Design
After the data on assets and income-expenditure budget is obtained, which needs to be done then is to think about the budget draft him. Put all thoughts, considerations and options to find a way out of this debt problem. For example, by determining the scale of spending priorities, calculate the income-expenditure budget in detail, looking for other income alternatives and make the option to delete some expenditure items.
Remember! With or without marriage, your spouse is the closest person who needs your help when he was tangled problem. Therefore, do not always think that you are burdened with all these issues before you to help find a way out.

Remind More
Maybe one day, you'll also affected by debt problems of the couple. For example, you have joined in order to save money aside for future investment. Throughout the couple comply with the rules that have been defined together, no matter if you have to share the burden it. But once the couple did not comply with the budget, immediately scolded and reminded that you are also burdened because ulahnya.
If necessary, ask the reason why he was back in debt again. Then try to remind the more actively involved in her life. For example, if the reason he was swiping a credit card because it can never say no to hanging out. Maybe it's time you come hang out with the him and his friends. If the reason he could not resist spending, limit the travel schedule to the mall. Or the couple can not say 'no' to friends who owe him. That way you can act as a reminder and a spokesman for the couple could not say "no".
Or sometimes you engage in hobbies or traveling show, so you can always remind him to comply with the principles that have been created together. Do not hesitate to engage with the side of the life he previously did not you touch. Once again, this is a problem with you and your partner.

Resolve Debt
When the couple were in debt, as a good partner you also have to be rational to settle the debts he had. Do not always blame or wash your hands because the debt was not for your purposes. But find out the reason why he owes and think that the debt needs to be resolved so as not to accumulate in the future.
In order not mounting, assured the couple that the debt must be repaid to the bottom. Do not just pay the minimum payment. For example, the minimum payment was 600 thousand, it should pay 650 thousand. That way the debt principal is also slowly decreased and was not impressed at the way the place. If budget allows, pay the debt repayments as well.
Also prioritize spending to cover the debt. If possible finish all the installments as scheduled. If it is not possible or too large debt repayments, then prioritize the largest debt repayments. By completing the most debt will further reduce the burden of expenditure.
And do not ever make a new debt to cover old debts. This will make a couple more consumption and debt to trivialize this issue. If you need to sell assets that can be sold quickly. Maybe it sounds dear, but it will be a valuable lesson for the him. That before starting the habit in debt, which must consider the risk of losing assets?

Lifestyle Change
Most people who have a lot of consumer debt, having the wrong lifestyle. For example, couples prefer to shop at exclusive boutiques in department stores than with masalnya products. Or more like hanging out in cafes than to week end at home.
If it were so, try to discipline the bad habits. But that does not mean we are trying to remove the extreme habit. First, let him take himself what he had done. And show by your calculation that the habit will hurt your future plans together. For example, the two of you plan to buy a home will be the longer materialize, or children's education costs will also trimmed, the risk of losing assets, danseterusnya.
It is expected that it would arise the awareness of her. If we play forbid what is clearly wrong according to us, which happened exactly the stealth he owed, and we secretly paid. If you have this, even so a vicious circle only. Was never completed.

Credit Card Wisely
Often the debt problem caused by the twisting credit card use is not wise. Before that happens, we need to know the principle of using credit cards wisely. Here are some principles of the use of credit cards should be instilled in our minds.
- The credit card is not a substitute for cash instruments, but he is only one facility for purposes that do not pay too covers cash in the wallet.
- Credit cards are also not necessarily be taken anywhere because it will make us easy to use.
- We recommend that you use only a credit card to pay for things that are very important, as if there is a need to travel suddenly, there was a sick family member or an accident, and so on.
- Complete the installment as soon as possible and do not delay because the credit card interest rate will also continue to grow.
- Do not be tempted ongoing promo! As a special discount which was held at the department store or restaurant. Although the impression can be much more expensive, but it will make us become consumptive.