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Questions To Ask Your Betrothed About Money Before You
Tie The Knot!
San
Diego, CA.
"Till Debt Do Us
Part" seems to have replaced "Till Death Do Us Part" in the traditional
wedding vows. There are now fewer first time marriages than those who are
going at it a second time around. About fifty percent of domestic meltdowns
are rooted in the family's finances, often because of some hidden problems
with credit and or debt, a repossession or bankruptcy were never disclosed
before marriage.
Most of the inquiries about a spouse's (or former spouse's) money and credit
problems are from women who are getting the bad news too late, who explain
they want to buy a home. They have run into a previously unknown poor credit
history or, their own, once good, credit was ruined because of a former
spouse by an unfair divorce agreement.
There are questions that should be asked about finances by each party that
are about to begin sharing a life together," says Paul Richard, RFC, executive
director for the nonprofit Institute of Consumer Financial Education (ICFE)
based in San Diego, CA.
"It is more important than ever before to ask financial questions of others
in your business and love life." Talking about money and credit issues
before the legalities of a marriage or other legal financial union, will
save many hurts and disappointments later-on, before it is too late to do
anything about it," Richard noted. There are many questions to ask of a
potential life mate or partner about finances including:
 | spending and savings habits,
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| credit history,
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| car loans,
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| family loans,
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| bankruptcies,
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| student loans,
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| insurance coverage,
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| estate planning and investing.
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The answers should help you determine your measure of
comfort with them as a future financial partner.
For consumers desiring additional help, the ICFE publishes the "Do-It-Yourself
Credit File Correction Guide" in
English and
Spanish. Included in the Guide are step-by-step instructions
on the credit repair process, an explanation of consumer credit rights, and
sample letters to use when communicating with the various credit reporting
agencies about credit file questions and mistakes.
The "Do-It-Yourself Credit File Correction Guide," in both
English and Spanish, is available for $10 each plus $2 postage. The Los
Angeles Times Book Review calls the ICFE Guides "user friendly."
Send $12 to: ICFE U.S.
PO Box 34070
San Diego, CA 92163-4070.
Or please call 619-239-1401 or visit the ICFE's Web site at:
www.icfe.info and order securely on line.
($2 postage is for book rate mail, add $2 extra ($4 total postage/handling
for 1st Class Mail or Priority Mail).
©
Paul Richard, RFC and the Institute for
Consumer Financial Education. All rights reserved.
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