Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
Prior to marriage, most couples take part in some kind of premarital counseling. Unfortunately, that counseling often does not cover one of the most stressful aspects of marriage—money management.
Money can be a major source of arguments in even the best relationships. The good news is that some preemptive planning can avert these kinds of disagreements.
The following four tips can help you create a long-lasting financial partnership with your spouse.
1. Get clear on the role money plays in your life and your relationship. Know what you want out of life and how money is a part of making that happen. Each of you should be prepared to answer the following questions honestly:
2. Schedule a meeting to discuss—and agree on—overall goals for financial responsibility in your relationship.
3. Do not discuss long-term financial matters in the heat of an argument. When emotions are running high, neither of you will be able to think logically and you will probably say things you’ll regret later. Stop the conversation and go back to tip #1.
4. Check yourself before you make a snotty comment to your spouse about their spending habits. There’s probably a negative experience or hard feelings behind that comment. Ask yourself why you’re feeling that way, and then ask a question of your spouse to gain understanding instead of a comment to gain the upper hand.
Most importantly, discuss financial needs and wants at the beginning of your relationship, before you run into trouble. By following these simple steps prior to living together, you will be able to make sound decisions, including managing a monthly budget, buying or refinancing a home, and investing in long-term savings programs at work.
Deb Hornell has been helping individuals and companies grow and succeed for more than 25 years. Her expertise in group facilitation, leadership development, change management, and strategic planning makes her the go-to consultant for critical organizational development initiatives. She is known for designing and facilitating practical solutions to complex business challenges while honoring and engaging people in the process. Her forthcoming book will be titled Good Things for a Full Life.
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.