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Congratulations, you have finally met Mr. Right, and you are about to embark upon one of the most exciting and memorable moments in your life. Now that you have said yes there are a million planning details to consider. The guest list, rings, church, music, catering, photography, flowers, and most importantly the wedding dress. Your head is spinning and the last thing on your mind is whether you are financially compatible. Unfortunately, when in love, we often fail to see the obvious signs and symptoms of poor money management until it’s too late.

The marital passion and excitement will quickly disappear when you realize he doesn’t pay his bills, his credit score is 450, and you can’t buy a home or rent an apartment. It’s time to take the love blinders off and start asking some personal financial questions.
This is probably not the most romantic way to spend an evening but it will be extremely useful and informative for both of you BEFORE you decide to make that life-long commitment. It’s better to be safe now than sorry and BROKE later.

Initially you may find it awkward to discuss this subject with your fiancé. It often helps to begin by sharing your past money mistakes and how you have managed to conquer debt problems. Try sharing a recent copy of your credit report. This may allow him to open up and discuss his financial situation without any negative feelings.
Questions to consider asking:

1.What is his salary?
This may seem basic but it is extremely important to know this information. In many households the female’s salary is greater. If this is the case, talk with your fiancé and find out if this may be a problem. Sometimes ego’s get in the way of financial progress.

2.Does he have any debt?

A credit score is a good determination of his credit worthiness. If he is willing to share this information with you, and why shouldn’t he, take note of the number of credit cards he has, and if they are maxed out.

3.Does he have child support or alimony payments, if so how much?
These payments will have a direct affect on your overall future financial plan.

4.Does he have a savings, investment plan, and a retirement plan?
If he has all three you may have a winner!

5.Is he a saver or spender?
This information can save you countless hours of arguing over money.

6.Has he ever filed for bankruptcy?
This will affect your ability to obtain affordable future loans together.

7.Does he have a Will and who are the beneficiaries?
Second marriages are very common. In many instances ex-wives and children are involved, and Wills and life insurance policies have already been established with his parents or ex-wife as beneficiaries. It will become your responsibility to make sure that you and your future children are protected under these policies.

8.Does he have any financial goals?
It is important to find out if you have similar goals. If his main goal is to buy a new sports car or motorcycle and you are thinking of purchasing a new home, this could be the beginning of a disastrous union.

9.How are we going to handle our money together?
• Separate checking accounts
• Combined accounts
• Joint bill paying accounts

10.Do his money values match yours?
Ask him if he had a Million Dollars what are the first three things he would purchase?  His answers will hint as to what he values most.

Observations to Make: You may not get all your questions answered but you can use your observation skills and Female Intuitive Feelings to get a sense of his money lifestyle. A signal should go off in your head if.

1.He simply refuses to discuss money.
2.He avoids questions and declines to disclose any money information with you.
3.You notice piles of credit card statements on his desk.
4. He uses credit cards to pay for everything including $1.00 items.

These may seem like tough questions, but you need to have a good sense of how your future husband deals with money-related issues. Half of all marriages in this country end in divorce. Money management issues are the #1 reason. Determine your financial compatibility beforehand. In the long run this will save you a lot of money and a boat load of stress.