“Sure, you’re sharing a life, but that doesn’t mean you need to share everything.”

As DINKS we have merged our own lives with our spouse’s lives.  This includes personal belongings, individual views, and families.  When we are in a couple my time becomes our time, and my ideas become our reality; does that mean that my money has to become our money?

I have to be honest that I don’t always share all of my own personal money with my boyfriend Nick. Sometimes I eat out and I don’t offer to bring him any food, sometimes I go out with my friends and he says home, and sometimes I really feel guilty about it.  But then the financial planner inside of me kicks in, and I think to myself “Hey, it’s my money, we aren’t married, and we don’t have to share everything.”

The perfect DINKS equation is Relationship + Money – Kids = DINKS.  In our perfect relationships where do total honesty and open communication fit into that perfect DINKS equation?

According to MSN when we merge ourselves into a marriage, we don’t necessarily have to merge every other aspect of our lives.  There are some aspects of our (individual) personal lives that should be kept out of our (joint) relationships.

Here are some things that we should keep apart so that we can keep our relationship together:

Holidays. With broken families and merging families, the holidays can be very complicated times.  Sometimes it is just easier to go our separate ways during the holidays to avoid potential complications in our relationships.  This is definitely a rule in my relationship, I travel home to my family during the holidays and my boyfriend Nick stays alone at our home.  I can’t say that I blame him because my family can definitely be a handful.  With my Step Mothers recent unpleasantness and violent behaviour I am happy to say that I no longer have to deal with my family during the holidays. Since October I have spent the holidays at home with Nick.

Money. We should share expenses but keep our credit cards and bank accounts separate.  We can share the costs of living without merging our money.  Each person in the relationship pays their share of the monthly bills, and all other money matters are better left unmerged.

Vacations. We may be the perfect couple, but this doesn’t mean that we share the same idea about the perfect vacation.  It is ok to travel separately and still be in a happy couple.

Sleeping Arrangements. My boyfriend Nick and I do not share the same comforter on our bed.  We have tried several times over the last 10 years to sleep under the same comforter, but it just never works out.  We have decided to go our separate ways with our individual comforters so that we can still sleep in the same bed.  I have a friend who lives with her boyfriend and she sleeps in a completely separate bedroom because their schedules are total opposite.

Your Dream Job. MSN says that if we are in a serious relationship we should take our dream job in another city or state, and our relationship will survive the long distance.  I have to say that I don’t agree with this point.  If my boyfriend was offered a job in another city or state I would either make the choice to relocate with him, or end the relationship.  Long distance is not my idea of a relationship…unless it’s temporary and he is eventually coming back.

Photo by Craig Bern


This entry was posted in Couples by Kristina Tahnyak. Bookmark the permalink.

Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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