Tips and financial gifts to maintain a healthy relationship for Valentine's Day

Disagreeing over who bears the least or most of the household expenses is a complicated issue for some relationships, since it can even be a reason for separation. This February 14, which is celebrated Day of love and FriendshipJavier Ortega, an expert in financial health and business manager at alDía, gives us some recommendations for managing the economy as a couple in the best way.

Talk about finances: Having a direct and sincere talk about the subject with your partner is vital to visualize a clear picture of the household’s income and debts. In this way, they will be aware of their ability to pay.
Divide expenses in proportion to income: It is necessary to know where the money is destined to make a fair distribution and then establish agreements based on the income level of each member of the couple. Although a different formula may work for each couple, it is best that the contribution to expenses be in proportion to their income. Lean for a 50 – 50 is not so convenient if the incomes are very different.
Save money: A good option is to have a common fund through a checking or joint account. In this way they will be able to contribute according to their possibilities and manage to meet the payment of expenses and even other goals such as saving to go on a trip or buy goods. Also, it will help them to assume emergency expenses.
Support each other: An adverse situation may arise, such as one of the members of the couple running out of income. For this, it is important to have the help of the other to look for opportunities to generate resources and reduce unnecessary expenses in the home such as payment for streaming services, delivery expenses, renovation and home decoration, among others.
Put individual finances in order: Having control of your expenses will allow you to meet all your financial responsibilities at the end of the month, without putting the other person in trouble. In this way, you will show him that you are responsible and someone he can trust.

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Financial Gift Options

Now that you have the tips to know how to manage money as a couple, it is time to give you some financial gift ideas to surprise your partner this February 14 and that may be more useful than a stuffed animal or a box of chocolates. If you are still thinking about what to give, here are some options from Ricardo Piiroja, Business Developer at Global66.

The specialist explains that these types of financial gifts have become a good option because they work for anyone, regardless of tastes, colors, sizes, or those types of details that make physical gifts more complex. Cheer up!

Gift card:

If you are unsure about the best option for a product or detail to give to a loved one, or if you are miles away, Gift Cards have become a very practical option. These cards have a certain budget that the beneficiary can decide what to use. This option is easy to find in stores, they stand out for their practicality and usually have a wide margin of validity.

Platforms for sending money between people:

You can surprise your partner anywhere in the world by sending them money so that they can share a dinner from a distance, buy a gift, among other options. Financial platforms such as Global66 offer various solutions so that users can send and receive money without complications 24 hours a day, without commission costs. In fact, with each money transfer made with your Multi-Currency Wallet you can add a special message so that the receiver can read it, know the meaning of the detail and live an experience like no other.

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Joint savings in bank accounts:

Opening a savings account is now easier thanks to access to technology and financial inclusion. This option will allow you and your partner, family, friends or children to set a goal over a period of time and save sums of money. This gift option may be most useful to those who have future plans and dreams in their sights and need a way to organize their budget. The options are many, as are the purposes: trips, weddings, housing, university, entrepreneurship, among others.

Online courses:

If you think that providing knowledge is the perfect gift for a special person, without a doubt, an online course could be the best option. These types of programs are shorter, more substantial and can be taken wherever and whenever you want. This gift will always remain in the mind and heart of the person, it will help their professional and personal growth and there are those in all fields of knowledge.

Insurance:

The importance of having insurance became relevant during the Covid-19 pandemic. Thinking about this option shows that special person the care and concern that you have for them. In Peru, according to INEI figures, almost 30% of the population does not have insurance. In addition, depending on the type of insurance, they can cover a university career, the integrity of a home, medical expenses and protection of loved ones.