Errores financieros que deben evitar las parejas para ser felices

Febrero es el mes del amor y todas las parejas se preparan para celebrar San Valentín con citas románticas y regalos, pero también es una fecha donde muchas relaciones se acaban, especialmente las que llevan más tiempo.

Varios estudios han mostrado que un par de días después del 14 de febrero y un par de semanas antes de Navidad es cuando se presentan los mayores picos de rupturas. “Uno de los motivos principales por los que las parejas se separan es la situación económica, porque el dinero no alcanza, porque faltan planes en conjunto o porque uno de los dos tiene la mayor carga de los gastos; lo que ocasiona que los problemas financieros afecten el amor”, destaca Juan Orozco, director de Business Development en Fintonic.

Para que puedas celebrar el 14 de febrero sin preocupaciones y fortalezcas tu relación a lo largo del año, el asesor financiero Fintonic te indica los errores más comunes que debes evitar si quieres ser una pareja feliz.

Nunca hablan de dinero

Hay personas que no saben cuánto gana su pareja y nunca se sientan a revisar presupuestos de gastos comunes. “Hablar de dinero es una forma de fomentar la confianza en la pareja. Hay que agendar reuniones para tener pláticas financieras y hacerlas con regularidad, quizá un par de veces al año. Durante estas charlas es importante que se elabore un presupuesto detallado para definir gastos en común y gastos personales”, recomienda Orozco.

Uno de los dos toma mayor carga económica

Si pueden dividir los gastos en partes iguales, háganlo de forma disciplinada. Pueden crear una cuenta en conjunto para los pagos, o que alguno de los dos pague todo y la otra persona le deposite. En el segundo caso, den su parte a tiempo para no desajustar el presupuesto y dar pie a los problemas. Lo mismo sucede si aman pedir comida a domicilio o usar apps de transporte, es mejor utilizarlas en una cuenta común. Para hacer un reparto equitativo de las facturas, lo primero es identificar cuánto se gasta al mes en pareja y una app como Fintonic ayudará porque categoriza los gastos y permite visualizar con más facilidad.

No tienen el mismo patrón de gastos

Si tienen éxito con las cuentas comunes, no canten victoria. La forma de vivir de cada uno afecta al otro, pues las compras que uno considera obvias, pueden no estar dentro del presupuesto del otro. Por ejemplo, si comen juntos, no dividan la cuenta en partes iguales si tú bebiste varias copas más; tampoco planees un viaje conjunto si el destino es un deseo tuyo. Siempre pregunta la opinión de tu pareja antes de hacer planes costosos y no la coacciones para gastar más. ¡El respeto al presupuesto ajeno es la paz!

No se preparan para las emergencias

Los imprevistos ocurren, por ello es mejor tener una cuenta común para emergencias porque al ser dos, las probabilidades se duplican. “El despido del trabajo o la avería del coche suceden con más frecuencia de la que imaginamos y hay que tener un fondo de emergencia. Lo recomendable es que, en el caso de quedarse sin trabajo, tengan ahorrados los gastos de los siguientes 6 meses”, indica el experto de Fintonic. Cuando surgen emergencias y no están preparadas, las parejas pasan por momentos de estrés que afectan la relación.

No establecen metas

Vivir con tu pareja no es el objetivo final de una relación, hay que seguir estableciendo metas cuando estén juntos. Ya que son un equipo, deben buscar intereses comunes para ahorrar entre los dos; puede ser desde un viaje especial, hasta comprar un coche o una casa. Las metas en pareja les darán una rutina que los mantendrá unidos. Así como es normal y recomendable que cada uno tenga sus deseos individuales, es muy importante que haya deseos entre los dos.

Evitar estos errores relacionados con el dinero, te servirán para tener una relación más fuerte y confiable. Los consejos de Fintonic no solo te ayudarán a identificar y organizar los gastos para ahorrar dinero, sino que pueden hacer que este mes romántico sea el primer paso para un compromiso financiero más fuerte con tu pareja.

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