Dating Archives

canstockphoto8857234Are you thinking of taking your relationship with your partner to the next level by Moving In Together?  This is indeed a big step to take in your relationship. It is also a big step in regards to sharing your finances.  Moving in together will most likely ease the burden on both of your wallets since the household expenses will be shared by both of you. When you plan in advance on how you will split the costs, things will go smoothly.

 

Running a household can get quite expensive. There are many factors that you should take into consideration.

 

Household Bills

 

Before you move in together, the first thing you need to do is to figure out whose name is going to be on the utility bills. This includes the lights, telephone, cable service, water and gas. If you decide that only one of you is going to be on the lease, then your name or your partner’s is going to be on the utility bills. On the other hand, the utility bills can be in either name if both of your names are on the lease.

Splitting the household costs in half is the usual way for married and unmarried couples alike to handle their finances. When the bills are due each month, you will both share all of the expenses or one of you will pay all of the bills while the other is responsible for the groceries and rental insurance (or homeowners insurance).  Make sure to keep the bills where both of you can gain access so that you can review them in order to keep track of your monthly expenses. Writing  this information on a sheet of paper, using a budgeting software program or app are other great options.

 

Bank Account

 

Some partners choose to open up a joint checking account for the main purpose of paying the bills. If you decide to set up a joint checking account, it is always best to have both of you to check with one another when it comes to handling the finances to prevent overspending. However, opening a joint bank account isn’t for everyone. If you are uncomfortable with this idea, then you should discuss alternative payment plans with your partner. You can always ask your partner for his or her share of the bills whenever the payment is due.

 

The only drawback to this is that the funds may not be readily available. If you don’t have the money on hand to cover your partner’s share, you will run the risk of paying late fees or worse, getting evicted. Another problem you can run into is having someone who has a bad habit not paying his or her portion of the expenses. This is why it’s important for both of you to have a clear understanding beforehand on how the bills will be paid to prevent these things from happening.

 

Allowing Others to Move In

There may be a time when friends and family members may fall on hard times and will ask to live with you for awhile. Before giving someone permission to move into your home, always ask your partner first, even if you think he or she will allow it. Remember this can also put a strain on a relationship.

Before moving into your home, let your new roommate know what expenses that she will be responsible for.  It is always best to have this in writing with both of your signatures.

 

Moving in together is a big step and requires planning when it comes to your finances.  Although, it is not required for you to combine your income with your partner, an adequate payment plan is needed to cover the mortgage/rent and other household expenses. If both of you work together on your finances, this will ensure that you’ll have a healthy and financial free relationship for years to come.

 

canstockphoto16926385You have finally met that special someone that you really want to get to know better. Perhaps, you’ve probably been dating for a while, but you are looking for creative ways to keep your relationship exciting. Coming up with ideas for dates can be quite challenging, not to mention that many typical ideas like going to the movies and spending a night on the town aren’t that romantic and can get very expensive. By coming up with some romantic dating ideas, you can add more romance to your relationship without breaking the bank.

Here are a few Fun Cheap Date Ideas to get you started:

 

Cook A Low Cost Meal Together

Although, going out to dinner is fun, restaurants can sometimes be quite noisy and are not conducive to intimate conversations and can get expensive if you are not careful. Prepare a low cost meal together at one of your homes instead of going out. Even a simple meal together can be a nice environment for a romantic conversation. Just add some candles and some soft music and enjoy each other’s company.

 

Take a Trip To An Art Gallery Opening

Art galleries are usually filled with beautiful scenery and will add lots of topics for interesting discussions. They are also beautiful buildings in their own right. This is the perfect setting for a romantic date. If you would like to save money, wait for an art gallery opening instead of paying the entrance fee. They usually offer beverages and appetizers at these events. You may also get a chance to meet some of the artists.

 

Enjoy a Day at The Free Museum

Search for free museums in your area that don’t charge an admission fee or offer discounts on certain days. You can both learn something new together such as the history and the culture of your town. This will also lead to an interesting conversation.

 

Take a Walk At The Park

Taking a stroll in the park is an ideal setting for a romantic date, and you won’t have to pay a penny. If it’s wintertime, you can hold hands while enjoying the snow and watching the animals. If it’s summer you can enjoy the sunshine and the trees. Many parks have benches and gazebos where you can stop and have a romantic conversation or just to enjoy the scenery together.

 

Go Hiking With a Romantic Picnic

If you both enjoy the outdoors, head out for a hike with a delicious picnic. You should pack your favorite meals in a basket and take along a bottle of wine and some wine glasses to add some extra romance. There are a variety of hikes you can go on, from short and easy hiking trails to all day hikes.

 

Enjoy The Night Sky

There’s nothing better than going out for a walk holding hands while watching the stars. You can also cuddle up in your yard or terrace while whispering sweet words to each other. However, it can get quite chilly in the evening, so make sure you bring along a jacket or warm blankets if you don’t want your date to be cut short.

 

Talk About Your Dreams and Goals

There is nothing more romantic than communication. Talk about your short and long-term goals. If this romance blossom into a relationship, you can make plans on helping one another reach those goals.

 

These are just a few of many Fun Cheap Date Ideas that you can enjoy. This will get you on your way to planing some creative and romantic dates without emptying your wallet.