Happily Ever After Author: Josephine Koulouris Finances are important when it comes to living ‘happily ever after’. Here are a few tips for you and your partner to help make it work. Prioritise Agree on what is important to both of you. You could spend big on lifestyle, or save for a house, afford children, or towards another goal such as further education. Once you know what your goals are, put them on paper and stick them on the fridge so you can see them every day and stay focused. Know where your money goes Some say the key to financial success is spending what you have after saving rather than saving what’s left after spending. Many couples find themselves in the latter position because they lack a budget to control expenses. Couples should work together to list their combined monthly income and expenses, short and long term goals, and strategies for sticking with the program. It’s important to follow up by checking your bank and card statements every month to ensure you’re staying on budget. Combine your accounts A joint bank account can help unite goals. Even if you choose to keep separate accounts, ensure you combine assets when making an investment plan. Shop wisely Think before you buy. Do you need the brand name? Maybe on electrical goods but not on the clothing. Compare deals to find the best offers. Shopping online makes this easier than ever. Keep talking By regularly reviewing your plan and adapting it to any change in circumstances, you can ensure that you stay on top of your finances. It’s important to agree on your goals, maintain good communication and, above all, keep your sense of humour. Financial goals are different for everyone. One of our financial advisers can sit with you to discuss your options and set up strategies so that you and your partner can achieve your financial goals.   General Advice Disclosure: This document contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. If you decide to purchase or vary a financial product, your financial adviser, AMP Financial Planning and other companies within the AMP Group may receive fees and other benefits. The fees will be a dollar amount and/or a percentage of either the premium you pay or the value of your investment. Please contact us if you want more information.