Three tips so that money is not a problem in your relationship

Ugo Pascolo 5:46 p.m., October 22, 2021

Good accounts make good friends and good lovers.

In a couple, money can quickly become a delicate situation: between the differences in income, wealth, and the way you want to invest ... the potential tensions around this subject are numerous.

It can even put an end to a love affair, confides to the microphone of "Bienfait pour vous" Héloïse Bolle, founder of the wealth management consulting firm Oseille et Compagnie.

Fortunately, this specialist delivers her advice so that money does not become a poison in the couple.

Half and half in spending, the reign of iniquity

While it may seem logical to cut expenses in half for a couple, it is actually a very bad idea according to Héloïse Bolle,

when wages are unequal.

"It's unfair, we have to agree on the

of income: whoever earns the most spends the most."

But for that, it is necessary above all "to agree on the amounts allocated to certain items of expenditure, such as housing, food, vacations ..." If it is not necessary to keep precise accounts, " all these subjects must collect a form of consensus ", insists the specialist at the microphone of Europe 1.

A joint account, under certain conditions

Once installed under the same roof, should you opt for a joint account with your spouse? "It simplifies things a lot", concedes Héloïse Bolle. "He avoids making apothecary accounts: the baguette here, the box of peas there ...". However, you should not give your spouse a blank check, she says. Thus, in addition to the common account into which everyone pays a sum in

to what they earn at the beginning of the month, she suggests continuing to have their own current account.

Likewise, it is better if the purse strings are not held by one person.

Not being interested in these questions is "a real danger", judges the expert.

"When you don't know what's going on in your couple's finances, you are at the mercy of someone who, without necessarily being in bad faith, can do anything, like saving in a very risky way or taking a contract. debts for example ".

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Keep invoices for major purchases

Borrowing from the Roman adage "who wants peace prepares for war", Héloïse Bolle then recommends keeping the invoices for major purchases, such as a car, a fridge or a beautiful sofa. "Quite simply to be able to claim the part which is yours", in the event of separation. And to justify: "Today if you get married, you have a 40% chance of separating." Without forgetting that there is not "only the divorce or the separation, to put an end to a couple, there is also the mourning". And in this situation, the one who is still alive "must deal with the heirs of the other, without knowing whether they are in good or bad faith", supports the founder.

Defending herself from making money an "end in itself", Héloïse Bolle explains her pragmatism: "You must not be angelic on these subjects, money is central in life. don't have, that you can't house or feed yourself properly, that's no fun. "