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Frugal partner
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silverhawk
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Jul 30 2025, 12:36 AM
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Eyes on Target
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QUOTE(jasontoh @ Jul 29 2025, 11:01 PM) Yea, but those people I know share the same frugal and plan to FIRE; ended up argue almost every time whenever payment for shared expenses. I know a couple of them, before the marriage, talk positively about the relationship, but after marriage mentioning the toxic relationship already. Thus, I mentioned there should be some balance, because your frugal might be different with your partner. Sounds to me like that couple are not sharing and planning their finances together. When both sides keeping their own money and have to contribute for shared expenses, then will feel like money being taken away from them.. especially hard for frugal people. If all money earned as a couple goes into one account first, then that gets divided into what needs to be paid. Most of this arguments won't happen because the money allocation has been discussed and planned for.
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silverhawk
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Jul 30 2025, 11:27 AM
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Eyes on Target
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QUOTE(jasontoh @ Jul 30 2025, 09:16 AM) Yea, correct esp the bold part. That's why only happen after the marriage when there are shared expenses. Some couples want to be independent in terms of financial stuff, during dating, not much of an issue, both having own commitment etc. And most probably not converging into one because both having different thought of frugal. Its ok to have different thoughts of frugality, our brother Ramjade for example; is quite extreme. Even between me and my wife, I'm the more frugal person even though I spend on selected things. What is important is that the financial distribution and allocation is discussed as a single unit. Ensuring the priorities of everyone involved is met, including no-questions-asked spendings.
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silverhawk
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Jul 30 2025, 11:50 AM
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Eyes on Target
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QUOTE(jasontoh @ Jul 30 2025, 11:35 AM) I understand. What I meant is that there are couples who realized the thoughts are different and some also choose to be independent managing own finance. I consider myself as frugal, but even then my wife who is also frugal think that I'm spendthrift. Definitely it's not an issue during dating, but once married, some of this will prop up. We have like a share "tabung" where both of us contribute within some agreeable ratio, but most of the financial is a bit more independent. We don't have issue because we are kind of balance, but those couples having issues really cannot come to agreement when it come to share expenses. Your method works because you and your wife came to an understanding, but it still leaves you open to some problems because both sides still prioritize themselves first and then only share the remainder. In a marriage, it should no longer be "you" and "me". It is "us". Financial planning should reflect that. If you can move your planning into that direction, I would strongly recommend it. Its not like you can't have independant spending, my wife and I give ourselves an amount for personal spending; whatever we buy in that allocation is up to us and cannot be disputed by either side because all the commitments and responsibilities already accounted for.
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