5 things every couple should discuss when planning to live together
The honeymoon period has been wonderful and you are taking the next step by moving in together. There are lots of exciting times ahead and loads of wonderful memories are going to be made. You may, however, hit a few bumps in the road if things aren’t properly considered and agreed upon. Here are 5 things every couple should discuss when planning to live together.
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Where will you live?
This is probably the biggest question that needs to be addressed. If you both have your own homes already, who is going to move out? Factors like proximity to work, property size and location all need to be considered. Whether you are the one moving or the one staying, the transition can be difficult. If you are buying somewhere new together then you need to calculate your mortgage affordability. A mortgage broker can provide you with a wealth of information relating to the different products available to suit your budget. Renting is a more temporary option but might be a good idea if you aren’t looking for a more permanent location.
How will the bills be divided?
It is said that money is one of the most common causes of arguments between couples. Once you have a rough idea of your monthly outgoings, you should discuss and agree who will be paying for what. You may just agree to split everything down the middle or you may want to take disposable income into account and calculate an apportionment based on that. Whatever you decide, it’s fundamental that you discuss and agree.
How will finances be split?
Aside from bills, it’s a good idea to discuss whether you feel a joint account would be more appropriate for your set up or whether you both would prefer a ‘what’s mine is mine’ policy. Many couples prefer the freedom of having separate accounts whilst others find it easier to manage things jointly. Just make sure you are both on the same page from the outset. This will avoid potentially tricky conversations further down the road.
Who will do the chores?
Whether putting together a rota or agreeing that one will cook and the other will clean, discussing who will do what is a pretty good idea. The last thing you want is to move into your new place and within a matter of days be bickering about who’s turn it is to clean the toilet!
Set some ground rules
Whilst you will have a good idea of each other’s habits and routines already, it’s wise to set some ground rules before moving in together. There will be things that you will both have to compromise on too. If one of your pet hates is dirty laundry being left on the floor, for example, tell your partner in advance. There is no point in pretending that your main bugbears don’t bother you. It will all come out eventually so it’s better, to be honest, and upfront now rather than later!
