Some couples are working on their financial discipline.

Many couples who are trying to navigate financial matters together come across some issues that can make things difficult. However, by working together and trying to improve the situation, it can be a beneficial experience, and may help to avoid financial pitfalls that can happen down the line.

It is necessary for couples to communicate about their financial issues, but this doesn’t always happen. One couple spoke with CNN Money and explained they had a relationship where one was more conservative with funds, while the other liked to spend needlessly. The couple did not address this immediately, and it took them longer to work out their financial strategy through discussion.

Another couple noted that they had all of their finances in order, with one working at a well-paying job. However, they explained to the news source that the husband-to-be made a financial mistake of leaving the position before locking in a mortgage. This put them in a situation where they had a harder financial hill to climb.

Debt also can be an issue for couples, especially if both have holes to climb out. The news source explained that a couple who both had significant credit, college loan and auto debt found themselves at a disadvantage when they were married. However, their plan to get out worked, as they took up a notable amount of financial discipline to improve the situation. This included cutting down on frivolous spending, and working to use all of their extra funds to pay the bills as quickly as possible.

Student debt a sore spot for many people
A number of Americans are dealing with some financial difficulties, and high on the list is how to manage student debt. This has prevented some from being able to reach the financial goals they want.

Close to 40 percent of consumers noted they are paying off student debt, according to a poll from Harris Interactive. These issues prevent close to two-thirds of those polled from being able to invest in a major milestone in their lives.

The most common response from consumers was the inability to save for retirement, as more than one-third noted this issue. Another 30 percent explained they were not able to purchase a vehicle, and approximately 25 percent said they are putting off purchasing a home for the moment.

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