Your plans should include working on a household budget to balance your spending and savings needs. There will be a lot of things to talk about.
Discussions about expenses should include:
- How much is the wedding going to cost?
- Debts either of you might have, such as student or car loans.
- Are you going to share the balance of any loans or will you each be responsible for paying your own debts?
- How will you cover regular bills, such as rent, utilities and food?
- Are you planning to have a joint checking and savings accounts or will they be separate?
- If they’re separate, who will be responsible for what bills each month?
- Saving should also be part of your planning.
You should be considering:
- Plans for short-term savings, like for a vacation or furniture.
- A separate emergency savings for unexpected expenses such as a major car repair.
- It’s never too early to start planning for retirement – such as putting money in a work 401(k) or an IRA.
- You’ll also need to learn what you need to do when it comes to combining checking or savings accounts and naming beneficiaries.
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