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If you're partnered up and planning finances as a couple, both sides need to be involved in the process. It’s all about getting on the same page and making sure our families will be taken care of in the future.
When two people are managing their money together, it's only natural that there'll be differences of opinion. So it’s important to talk about finances as a couple openly and honestly, and be prepared to compromise. Often the two perspectives can bring out many more solutions when planning finances as a couple.
You might be choosing goals such as travelling overseas, buying a home or starting a family. It's important to make sure we set financial goals together and agree how to achieve them.
For example, if both of you are in KiwiSaver, you both could be entitled to a first-home grant after three years. Depending on how much you've contributed, this could be quite a boost to your deposit – as much as $20,000!
Find out about using KiwiSaver to buy a first home on the Kāinga Ora website.
It's key to know how your financial situation would be affected if the unexpected happens. Here are some questions to ask yourselves when planning finances as a couple:
Seeking independent legal advice can be worth doing.
The New Zealand Law Society website has free guides on a range of topics such as:
If either you or your partner owns property (either together or individually), there is also relationship property law to think about. Find out how the law affects this on the Family Court website.
25 Mar, 2020
We’re living in such a changed world that it can feel overwhelming. The coronavirus has upended our working lives, our kids’ lives, and our money lives as well.
12 Jul, 2019
Perhaps it’s because our future selves are strangers to us.
1 Mar, 2019
What’s good? What’s not? How can you tell? Sometimes you can go by how you feel or connect with something or someone.
13 Feb, 2019
“Will you be mine?” As you’d expect, for Valentine's Day the focus turns to cards, flowers, chocolates and romance.
14 Dec, 2018
Right about now, there’s a tremendous Santa-sized pressure to deliver the best Christmas experience possible at home.
19 Nov, 2018
I was once on a date with a guy who pulled out a voucher.