Pointers Before Getting Married PART 2 by: CHINKEE TAN Have you ever heard the saying, “IF YOU FAIL TO PLAN, YOU PLAN TO FAIL?” B. RESOURCE PROBLEM Does your partner (especially for men) have a regular source of income? It doesnt matter how much it maybe. Never look at the amount na dapat may savings na 300k, 500k or 1 Million bago kayo magpakasal. Financial responsibility must be a strong consideration but it’s more important to consider if hes FINANCIALLY RESPONSIBLE. Whats the sense if he is financially stable and yet irresponsible in handling money. Stable nga at malaki ang sahod, waldas naman, gastador at mahilig mangutang. Try to observe him when it comes to spending and handling finances before you get married. How does he handle his money? Is he a saver or a spender? Does he think only about the short-term or the long-term? Is he responsible or not? Dahil kung hindi, may possiblity na maghirap kayo in the future. Tignan mo rin anong commitment ng fiancé mo? Baka pag mag-asawa na kayo maging issue sa iyo ang pagtulong niya sa pamilya niya or sa ibang tao financially. Sa madaling salita, walang masama tumulong basta pagusapan ninyong mabuti ang pera dahil pag hindi kayo magkasundo ngayon palang na di pa kayo kasal, mas lalo kayong magkakagulo (at baka maging cause pa ng paghihiwalay ninyo) pag mag-asawa na kayo. So these are the financial questions both of you as a potential couple must agree, consider and discuss prior to marriage: 1. How much are you willing to invest in your marriage rather than the wedding? Prepare more for the marriage rather than the wedding day. Wedding day is a one day event, marriage is a life long commitment. Be wise and be practical. Huwag na kayo makipagsabayan sa magagarbong wedding tulad ng mga artista kung hindi ninyo naman kaya. Bongga nga ang kasal nyo, lubog naman sa utang. Start your marriage right by living a debt-free life. One more thing, your wedding is your first financial responsibility, so dont expect for your parents financial assistance. If they want to give because they want to bless or help you thats fine, pero huwag ninyong iasa sa kanila ang gastusin ng kasal. Men, take the lead and take charge. 2. How much money are you willing to set aside for the wedding? Kung ang kaya niyo lang ay 100k then plan a wedding that is around the budget. Dont spend beyond your means. The primary issue when it comes to budgeting your wedding is not kung ano ang gusto mo kundi kung ano ang kaya mo. Kung kaya mo naman na sampung putahe sa handaan, GO! Pero kung dalawa lang ang kaya huwag ng ipilit ang sampu. You dont have to spend too much to make your wedding day memorable, kahit kasalang-bayanpa yan, it will still be memorable because thats your wedding! Thats the day when you would give your vows to love your partner until the end of time. So again, please be wise and be practical. 3. How much are the two of you willing to live on a monthly basis? 15k, 25k or 50k? The issue again here is not the amount, but how much are you willing and able to live. This is my philosophy when it comes to knowing if you are financially ready: As long as one of you have a steady income and both of you agreed to live within that means then pwede na kayong magpakasal. Kung hihintayin mo pa yung target or ideal amount mo baka maging single for life ka na friend. Heres the scenario: Once makaipon na ako ng 300k okay na ako... Then you realized kulang kaya tataasan mo at gagawing 500k then youll realize na parang kulang parin kaya gagawin mong 1 million! Maniwala ka, walang katapusan yan! Lumalaki ang income, lumalaki din ang expenses. Uulitin ko, agree on how much are you willing to set aside for the wedding day and how much are you willing to live on?
Posted on: Sun, 26 Oct 2014 07:43:02 +0000
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