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How Couples can collaborate to Pay Off Debt Repayment Advertiser Disclosure: You’re our number one priority. Each time. We believe that every person should be able make financial decisions with confidence. While our website doesn’t feature every company or financial product in the marketplace, we’re proud of the advice we provide as well as the advice we provide and the tools we develop are independent, objective, straightforward — and cost-free. So how do we make money? Our partners pay us. This may influence which products we write about (and where they are featured on the website) however it does not affect our advice or suggestions that are based on hundreds of hours of study. Our partners are not able to pay us to guarantee favorable review of their services or products. . How Couples can work together in Repaying Debt If you have brought debt into your relationship, your spouse can help you to help you get debt-free. Written by Sara Rathner Senior Writer/Spokesperson | Credit cards, travel rewards, debt payment Sara Rathner is a NerdWallet credit and travel expert. She has been on the “Today” show, as well as the CNBC’s “Nightly Business Report” she has also been featured on The New York Times, The Washington Post, The Wall Street Journal, Yahoo Finance, Time, Reuters, NBC News, Business Insider and MarketWatch. Prior to making the move to NerdWallet, Sara worked at The Motley Fool for nearly 10 years. She also worked as a freelance personal finance writer and paraplanner and has a bachelor’s degree in journalism in journalism from Northwestern University. Jan 30 2023 Edited by Kenley Young Assigning Editor Credit scores, credit cards Kenley Young is the director of daily credit cards coverage for NerdWallet. Prior to that, he worked as a homepage editor and digital content producer at Fox Sports, and before being a front-page editor for Yahoo. He has years of experience in both digital and print media, with periods as an editor at the copy desk as well as a wire editor, and metro editor at McClatchy. McClatchy newspaper chain. Email:
. A majority or all of the items featured here come from our partners who pay us. This affects the products we feature as well as the place and way the product appears on a page. But this doesn’t affect our assessments. Our views are our own. Here’s a list and . Between financial aiding his parents and losing money as a result of COVID-19, Jeremy Mazza landed into serious . He received relief from a source he was not expecting: his girlfriend, Ginna Lambert, who had come into a small inheritance. Ginna suggested “investing” some of her inheritance into their shared future by loaning small amounts to Mazza which he could use toward his debt. It was a little convincing. “To have to ask for money when I was the person who was providing the money and had parents who themselves were soliciting money, I was not going to follow their lead and be taking,” Mazza says. “But that’s not what this was about, it was a caring thing.” Mazza and Lambert took the matter in stride, with clear communications and clear loan conditions. It’s yielding results: Mazza estimates his went up about 150 points. They reside within Richmond, Virginia, are getting married this year and hope to purchase their first home in the near future. “I was a person with a very, very vested interest in ensuring that my partner’s credit rating and finances were in the best of a condition as they could be,” Lambert says. Although joint debt is a shared responsibility the individual debts you carry into the relationship are yours to deal with. Still, they can hinder making plans for your life as a couple, and so it could be beneficial that your spouse assist you in tackling any debts you may have. However, don’t sign an arrangement of this kind without having a strategy. Be open about the complete financial picture. It’s crucial to communicate with the other on your personal financial situations, especially as your relationship gets more serious. “If a couple is planning to marry, it’s a good idea to talk about the financial aspects prior to tying the knot,” says Trina Patel, a senior financial adviser at Albert, an organization that provides financial services. Schedule a few distraction-free money dates where you discuss the current situation for you both. The conversations will aid in establishing shared goals and figure out what actions to take to reach the goals, including changing your budget or looking for ways to increase income. “Debt can often bring feelings of guilt, shame and embarrassment leading couples to avoid talking about the debts they have,” said Leanne Rahn, a financial advisor at Fiduciary Financial Advisors located in Grand Rapids, Michigan, via email. “Vulnerability is a difficult thing to face, but remember, you and your partner are part of a group.” Look at non-monetary strategies to assist You might not be able or willing, to pay off your partner’s debt. There are lots of alternatives, however. You could serve as an accountability buddy, help rethink your household budget if you have a partner, or figure out ways to cut back in your shared spending. Maybe you can take on some more chores at home to give your spouse time to take up additional hours at work or assist your partner edit their resume if they want to pursue a job with a better salary. Discuss financial arrangements if you’re comfortable lending or gifting your partner money towards their debts, you can iron out the specifics. Specify dollar amounts and write the entire thing down. Lambert, for example, began by providing a six-month, interest-free $12,000 loan Mazza. Mazza. As time went on, both felt comfortable with additional, larger loans. Working with an attorney on the terms of a contract will help both partners feel more at ease. “A legally binding agreement will definitely make the responsibilities of each spouse/significant other simple and transparent and the law would hold them to account,” Rahn says. Know when to say ‘no It’s okay to not want to burden someone else with the financial burden, no matter how much you care about them. If your relationship is relatively new or you’re unsure of what the future holds, you can still cheer on your partner in their quest to pay off their debt. If they don’t accept your “no” as a response take it as a warning and proceed with caution. “I would not have suggested this to someone who was in the honeymoon phase,” Lambert says. “At that point we were already moving in together. He had proven repeatedly, that he was reliable.” The article was written by NerdWallet and first written in The Associated Press. The author’s bio: Sara Rathner is a NerdWallet credit and travel expert. She has been featured on the “Today” show, Nasdaq as well as CNBC’s “Nightly Business Report.” On a similar note… Find the perfect credit card for you. If you’re looking to save money on interest charges or earn higher rewards, the right card’s out there. Simply answer a few concerns and we’ll refine your selection for the right card for. Dive even deeper in Credit Cards Get more smart money moves right to your inbox. Sign-up and we’ll send you Nerdy articles about the financial topics that matter most to you and other strategies to get the most from your money. Take all the appropriate financial decisions
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