Young Couple

The key to adjusting to living life as a couple is communication that means sharing the bad as well the good time. Young couples often feel reticent about discussing their financial affairs, as in many cases it has been shown to be an area of discord and a cause of an argument.

The solution to this is to plan time for a discussion on financial affairs in advance and then for both parties to pull all their cards squarely on the table. When it comes to money, disclosures are the best policy so that you both know where you stand and can make a joint financial plan easily.

Tackling Debt

Taking out a mortgage to purchase a property is a decision that many couples take, but it’s important to work together to ensure that a mortgage at a level of both partners and feel comfortable with the affordable repayments.

Debt is a shadow that looms over many people, young couples need to commit to tackling the problems of debt jointly. Bad debts such as poor credit history, and are the enemy of sensible financial planning.


It’s essential if you want to make most out of your money and enjoy life without any spending. It shouldn’t be thought of as a restriction on spending, but something that has many choices. It’s the process of preparing a detailed statement of your financial results that’ll help you in the future.

You can examine your joint expenditure, and identify the areas where you waste money or overspend. Liberating this money allows more options on what to save and spend.


Setting financial goals is important as it allows young couples to focus on what they really want and work towards them. Goals help to prioritise what is important and what is not.

Planning a dream holiday, buying a car; these are good goals to work towards and encourage healthy spending and saving habits.


Talking about savings and making joint plans for the future. Savings and investing a proportion of this money for the future can open up the world of possibilities bringing best financial security and independence.

Young couples without children often have significant sums of disposable income. It can be turned into further increased income through in different investment things.

Retirement Planning

Retirement is often the last thing on the minds of a young couple, but it is altruism of financial planning that it is never too soon to think about pensions. Putting even a relatively small amount away every year will grow due to the effects of compound interest.

Tax Situation

Married couples are often eligible for tax breaks and incentives. Every country has slightly different rules and regulations. Young couples should investigate their options so as to maximize their opportunities for savings on tax.

By discussing your financial position, you can not only tackle your own debts but get yourselves into a position of financial strength that will serve you well in the years ahead.

LaVerna Capital will guide you to plan your future for a better lifestyle and living fullest life by providing joint financial services.