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Before considering marriage, you and your partner should take
the time to complete and thoroughly discuss the following questionnaire.
This questionnaire will help you assess your “Financial
Compatibility.” The rules for the questionnaire are simple
and straightforward: On a separate sheet of paper, you and your
partner independently answer each question, with one to three-sentence
responses. Be detailed and thorough. Be totally honest and understand
that there are no wrong answers. After you each have completed
the questionnaire, discuss your answers, without arguing. And
finally, the goals are to become more aware of each other’s
financial past and present, and to understand your money-management
differences and resolve them.
1. What is your annual income?
2. How much money do you currently have in your checking account?
3. If you have a savings account, how much money do you currently
have in it? If you don’t have an account, why not?
4. How much total debt do you currently have?
5. What is the amount of each of your debts?
6. For debt that is not self-explanatory, for example, credit-card
debt, can you explain what it is attributed to (be specific)?
If not, why not?
7. Do you know your partner’s annual income? If so,
are you okay with it? If you’re not okay with your partner’s
income, why aren’t you?
8. Do you plan to have a joint or separate savings account,
or both?
9. Do you plan to have a joint or separate checking account,
or both?
10. How do you plan to share or divide the household bills
and expenses?
11. Where do you plan for the bulk of the money to go after
marriage (for example: a big house, luxury cars, wardrobe,
investments, vacations or children’s education)?
12. How much money do you plan to save each month?
13. How much money do you plan to invest each month?
14. Do you plan for you or your partner to be the main handler
of the money/bills? What is the rationale for your choice?
15. Do you plan to change your earning potential after marriage
(like change professions, quit your job or become a full-time
student)? If so, explain.
16. Do you think that your partner may hide information about
his/her financial past or present from you? If so, why?
17. What should be the maximum your partner can spend without
first sharing the information with you?
18. What do you like or dislike about your current financial
condition and views on money management? What about your partner’s?
19. What would you change/improve about your current financial
condition and views on money management? What about your partner’s?
20. How is your credit rating: good, fair or bad? Explain.
21. Would you be willing to prepare and sign a prenuptial/post-nuptial
agreement if your partner wanted you to?
Learn
How to Have Your Student Loans Canceled
Under certain circumstances, you may be able to cancel your
obligation to repay your federally guaranteed student loans,
defer your payments, or enter into a payment schedule that
fits with your income. If you’re in default, you may
be able to get out of default and avoid a lawsuit, wage garnishment,
or loss of your tax refund.
The student loan scheme is quite complex, depending on the
type of loan you have and when you obtained it. Before taking
action on your loan, you must understand what kind of loan
it is.
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