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Malay Saha




20 Feb 1979

An entrepreneur, blogger, professional digital marketing expert & writer, passionate about sharing news regarding Social media, Digital Marketing, technology and business related topics. More than 10 years of experience in internet marketing, helping businesses to extend their reach, get more traffiMore saduisahduiash dsau

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Published on: 21 Mar 2017 by malays

How to Save Money in Simple Way as a Couple

A couple is always at an advantage to save on spending. With a team work among both of you, the sky is the limit to achieve the much needed financial freedom. But, you do not land on this paradise automatically. You have to do your bit and cooperate with each other in more than one ways to achieve this cherished goal. Always do remember being able to save money is a fantastic thing letting you achieve the cherished goals of life quicker and easier. Being part of a couple entitles you to avail of some attractive discounts on vacation packages and insurance plans. With a conscious and planned team effort, you can save incredibly.

Some good points to fuel the journey

To share life with someone successfully calls for more mutual accountability. If both of you put in conscious efforts as a team, you can save a good money to further your financial goals and achieve the big dreams you have as a family. Explore ways to enjoy without spending money. List out the shared goals and ambitions to work on them on the priority basis and push down your independent goals to the bottom of the list. Motivate each other to save on the spending. Come to a mutual agreement on all the practical issues and move together consciously. Discuss your finances once in a fortnight or month and plan the life accordingly. Here are the most important areas you need to work on to save money as a couple.

Go for tax breaks

A couple can save money on taxes. File jointly to save money. Allowances should be claimed by the higher earner. In fact, most times, filing for tax as a couple can be confusing and might pose a difficulty. This may be even more difficult for couples with a joint income. A bit of ground work must be done in this regard to avail of the highly beneficial tax breaks.

Get insured

Married couple can save a good deal on car insurance. Several car companies offer discounts for getting multiple cars insured. Since the rate of policies is calculated considering many factors, you might already be enjoying this benefit. However, the fact remains that as a couple you have more chances to get your car insurance lowered. The general idea is that the insurance providers feel a married couple are more responsible and therefore like to benefit them. A couple can also save on home insurance. You need to choose the best health insurance plan if both of you are working. Go for a family plan if you can be eligible. If you had insured separately, you can also now hope to save on life insurance by including the other in the policy than going for a separate plan.

Save in other ways

A large number of topics today come with couple discounts. Right from a gym membership or vacation, you can get attractive discounts on purchases and services. Several businesses give discounts if the couple is willing to commit together. Some vacations are available only to the couple. Explore around and take advantage of all those cost saving options that will also entitle you for enjoying together. Eat together and prepare meals at home to save on foods. Maintain an emergency account and contribute from both of your earnings to it to meet emergencies. Decide your budget together and keep a close track of your budget. Clear off the debts as soon as possible and stay away from debts.

Pool your resources together

While many couples out there do not come forward to share their assets, deciding to combine finances can bring you a lot of benefits. It is very easy to keep track of your shared income, especially if you have a shared bank account. By combining your assets, you can maximize your interests on savings and earn more on the stock portfolio. Combining assets is also the surest way to grow closer to each other. This is because you will be sharing the benefits of your hard work and will like to figure out what to do if something unexpected arises. Since you will start feeling that you are responsible for the money together, you will be motivated more to save it.

Final word

More than anything, it is important for a couple to discuss the short and long-term goals and come to a mutual understanding. Financial problems or disagreements with the spending habits cause many breaks in marriages. Therefore it is very much important to jointly prioritize your financial future which can contribute to succeed as a couple. To this end, both of you must be accountable to each other. Work on your current budget and goals and compare it with your progress to ascertain where you are and plan for betterment. 


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