Infidelity is also of a financial nature

Lie or hide information to the partner's infidelity.

Shopping in secret, open credit lines without consulting the other, even have some money there are kept secret, according to psychologists couple, unfaithful acts that may trigger a separation.

For various reasons, according to the Office of Civil Registry in 2013 588 divorces were held in Barranquilla, a figure that rose to 619 in 2014. Also, in the Atlantic 889 couples were legally separated in 2013 and, at the end of 2014, the figure reached 944.

Often the reasons are not exposed during the separation process, but it is well known that infidelity-whether emotional, sexual, or economic-is often one of the causes that lead to this decision.

For the psychologist Ronald Acacio, failure to compromise that was agreed is an unfaithful act. Then, to discuss financial infidelity you have to wonder what level of compromise, which was reached obligations and if they have the tools to meet them.

When there is no set plan of life always tends to prioritize the individual over the family and that's when those situations of infidelity, which economically translates into 'saved' or expenses are generated that one of you has for individual purposes .

In fact, 80% of couples financial information is hidden, according to a study conducted by Forbes magazine and The National Endowment for Financial Education (NEFE) in the United States during 2012.

Sure, "not everything is selfish personal interest," said Acacio appreciation. "The individual desires must integrate family life. When the wishes of other recognized and may meet them, everything is easier, "says family therapist also Foundation Our House in Barranquilla.

Who is more unfaithful

In 2010, the Center for the Study of Public Opinion at the University of Talca in Chile, conducted research on financial infidelity. Among their findings highlighted a survey done in the United States with 1,700 people between 25 and 55 years old, which showed that "women are more dishonest than men in terms of money", with 33% versus 16%, respectively.

For some, define whether women or men are more unfaithful in this aspect is getting into an argument adds nothing. "This should be discussed how much we can agree with the other, if we understand your personal wishes and if they understand ours," suggests psychologist Acacio, convinced that "no blame infidelity, there are responsible."

Economic agreements

Sometimes, when a man or woman earns more income compared to another, this can touch a single nerve and ego. Some suggest that you earn more pay more; while others insist that both must provide the same no matter how much your income.

Some couples prefer that all driving wage and covering the costs that apply. Another strategy to adopt is to create a third account or fund in common, from which the house payments are made.

Barney economist Munir Jalil said that "in principle, from a financial point of view, no account will lease more or less be individually or jointly".

From a realistic perspective, this professional Citibank says that the cost of a house should be assumed equally or make a proportional division to the income of each. That is, if the man earns 70% of the money coming into the house, then he could take 70% of the costs and the woman, the remaining 30%.

In any case, experts agree that economic success depends on trust and the level of commitment that exists between the couple.

Dialogue

Experts say that before coming to life as a couple is necessary to discuss the business of each state, because this will be decisive in taking expenses, debts and investments at home. Hiding information can compromise economic life of both the credit, such a breach may result in the seizure of property in common.

Note

Ana Jimenez, an expert on social responsibility of the Bank of Bogota, advises:

1. If you buy a house or car and must borrow, learn well what the exact money they receive and what will have to pay later.

2. Acquire productive assets that generate income and help solve their liabilities.

3. Before embarking on credit think that the purchase of large assets requires periods and considerable savings.

Do I save a couple o 'saved' single?

The Center for the Study of Public Opinion at the University of Talca, Chile, found that of 452 respondents, 76.8% save for having to defend himself in emergencies and, mostly, keep this money in accounts personal savings. However, 34.7% do not have knowledge of your partner's savings, because men do not share this information so that his wife "is not tempted to spend it," while they hide it "to feel economic independence." In this sense, 58.1% consider themselves better saving your partner.

Following the advice of the experts, the best thing is that as the expense account set savings goals the couple is put through a plan that both carried -a fully each month through a common fund, for example - either for studies of the children, go on vacation, buy a car or attending emergencies.