10 Tricks to Save Money on Groceries in Winter

Groceries can be a big part of your budget any time of year, but the winter months are often more expensive. The rise in cost is often due to the need to eat richer food in colder months. Holiday feasts also contribute to rising grocery costs in the winter. You can save money without skimping on nutrition if you just take some time to plan ahead. Here are a few tricks to save money on groceries during the winter season.

1. Take advantage of deals
Take advantage of deals
Watch for sales on meat, dairy and other expensive products in the supermarket. When you see something on sale, try to buy extra. In most cases, extra products can be frozen. Even if the meat is very close to its expiry date, freezing it will keep it edible until you need it.

2. Use fillers


Use fillers
Instead of making the most expensive ingredient the main part of a meal, try mixing it with other foods. For example, ground beef can be mixed with beans to stretch it further. Just half a pound of meat will feed the same number of people you might normally need a pound of meat for if you stretch it.

3. Fill up on grains


Fill up on grains
In general, grains are cheaper than other types of food. They are also carbohydrates, so they give you the necessary calories to stay warm in the winter. Try oatmeal for breakfast and have sandwiches for lunch to take advantage of grains. Grains, especially whole grains, are chock full of health benefits.

4. Make it from scratch


Make it from scratch
Baking a cake from scratch takes very little time and it is almost the same as baking one from a mix. You may spend one or two extra minutes adding ingredients, but it is worth it for the savings. Recipes for everything from tomato sauce to homemade bread can be found online, so there is no excuse not to try.

5. Use coupons


Use coupons
Chances are, you check the coupons in your local paper each time you get it, but there may not be anything you need. You have other options, though. Try looking online for coupons to your favorite foods. You can even write your favorite companies a nice letter and you may receive coupons in return.

6. Hold potluck dinners


Hold potluck dinners
During the winter season we tend to have plenty of dinners with family, friends and neighbors. All those dinners can seriously wreck your budget, but it doesn’t mean you shouldn’t host any dinner. Instead of hosting a holiday dinner all on your own, invite everyone to bring a dish. Everyone shares the cost and you can still enjoy a fun dinner together.

7. Buy bulk


Buy bulk
When it comes to food you know you’re going to eat a lot of, like rice or oats, you can stock up. Buying in bulk often reduces the price. The same method works for other types of groceries, as well, such as toilet paper and soap. However, don’t buy too much. Buy foods that you will definitely use in your meals.

8. Plan for leftovers


Plan for leftovers
Instead of eating an entire pot roast for dinner in one night, divide it up. Give smaller portions of the roast the first night and use the remaining meat for soup and sandwiches over the next couple of days. You can stretch the meat further by spreading it out a bit.

9. Break out the slow cooker


Break out the slow cooker
A crock pot allows you to buy very cheap, tough cuts of meat and turn them into mouthwatering morsels. Just pop the meat into the slow cooker, add some vegetables and herbs, along with some liquid, and cook for 8 hours or until the meat is falling apart. As a bonus, you can use the cooking liquid to make a pasta sauce or use it as a soup base.

10. Buy generic


Buy generic
Often, people get suckered into buying brand name goods because of advertising and store placement. If you want to save money, however, it’s a good idea to go generic. The quality is similar in many products and the cost is much lower (you can save up to 25%). Often, generic foods taste much better than the name brands and some of them are even healthier. Read food labels and make smart food choices.

To save money on groceries during the winter season, you don’t have to make many changes. Just a few tweaks to the way you shop can change everything and save you quite a bit. The key to a successful shopping is the right planning. Never go shopping without your shopping list and when you are hungry. Otherwise, you may end up buying more than you need and spending more than you want. What are your tips to save money on groceries during the winter season?

5 Tricks to Save Your Hard-Earned Cash on Valentine’s Day

When looking for the ways to save money on Valentine’s Day, you can find lots of useful tricks, including DIY cards, DIY decorations and cheap date ideas. However, there are a few other sneaky ways to save some cash. The idea of saving money on the day of love doesn’t sound romantic, but, hey, who said we should spend the entire paycheck on gifts and romantic dinners in order to show and share our love? Valentine’s Day is highly overrated these days and people run into debts without realizing that a true love doesn’t require money. Sure, I can only speak for myself here, but I think we can celebrate Valentine’s Day without money at all. Here are a few tips to try. This year, wow your partner without wrecking your budget!

1. Make your own romantic dinner
There are many benefits of making your own romantic dinner. You can cook many healthy and diet-friendly meals to avoid eating your way to weight gain. You can cook your partner’s favorite meals and you can bake delicious yet diet-friendly Valentine’s Day cookies. It all depends on your cooking skills and creativity. As an added bonus, you save lots of your hard-earned cash when you make your own romantic dinner. Going out to a restaurant on Valentine’s Day is never a cheap experience.

2. Skip decorations
Okay, you make your own romantic dinner, but what about Valentine’s Day decorations? If you have a lot of time and patience, opt for DIY decorations. If you don’t have time for crafting, skip decorations. Dimmed lights, two candles, soothing music and tasty dinner will be enough to create a romantic atmosphere.

3. Go for a midnight walk
Walking is good for your health, and walking after a romantic dinner is good for your waistline. I know, I know, we are not talking about weight-loss tips now, but if you worry about those extra calories you are going to consume during your romantic dinner, a midnight walk can be a win-win solution. Plus, walking in the moonlight is so romantic that it’s hard to skip this idea. Grab your hot cocoa and enjoy walking with your sweetheart. It’s actually a great, cheap date idea, don’t you think?

4. Make your own gifts
Valentine’s Day has become increasingly commercialized in recent decades. People spend huge amounts of money on flowers, chocolates, valentines, gifts and restaurants because they think they must do it. In fact, don’t be one of them. Make your own gifts to show your partner how much you love them and care about them. They will appreciate your gift, as well as your time and efforts. If you can knit, consider knitting a scarf or sweater for your partner. You can also draw a portrait of your man, write a love letter or create anything you can.

5. Avoid shopping on Valentine’s Day
If you don’t want to end up getting into debt late in the day, avoid shopping on February 14. There are many cute Valentine’s Day things you may want to buy once you see them, so avoid temptations, stay home and make a romantic dinner instead. Do your wallet a favor and you will wake up on February 15th feeling great!

There’s nothing bad about saving money on Valentine’s Day. We often let the romance of Valentine’s Day blind us. We spend too much money on flowers, chocolates, candies, red hearts, jewelry, restaurants and other expensive things. But we forget the most important thing – money can’t buy a true love. Remember it when planning your Valentine’s Day celebration. Do you use any other tricks to save money on Valentine’s Day? Share them with us, please.

3 Reasons Money Will Never Make You Happy

I’m definitely sure most of you have thought of being rich at some point in your lives. “If I had more money, my life would be much easier, happier and brighter!” I hear this almost every day from different people. Many rich people think this way too. Truth is, money can control your life and can completely change it. It will never make you happy. You may feel more powerful and more confident, but never happy.

We spend tons of money on trendy things, which bring temporary joy and happiness in our lives. Is it a true happiness? Of course, not. I’ve compiled a list of the most obvious reasons why money will never make you happy. I want you to understand the true meaning of life and the true purpose of money in your life.

1. Stress
Money is one of the major causes of chronic stress. Whether you want to become rich or you already have tons of money, you always feel under stress. Rich people are afraid to become poor, while most poor people strive to become rich. You may struggle with debts, think of new ways to make more money, get into trouble because of it and waste your time, effort and health without realizing it. Remember, “Big money – big problems”?

Chronic stress can lead to anxiety and many other health issues. Do you still think money will make you happier? Sure, you need money but don’t make it your top priority in your life.

2. Failed relationships
Numerous studies show that money is the biggest reason of failed relationships. A fight over money is the fastest way to end a friendship and break up with a person you love. A couple of years ago I lost a big friendship because of money. I made a terrible mistake and I still regret about it, though maybe it’s all for the best. I lent a huge amount of money to my so-called best friend. Once I gave money to her, she changed her attitude toward me and stopped calling and texting. I didn’t tell anything about money and I couldn’t understand her behavior. We had been good friends for almost ten years, which is why it was so difficult for me to realize that she wanted to end our friendship because of money.

Nowadays I often see her, but I don’t demand my money back because I think money is evil. I won’t be happier if I get my money back. When I asked her why our long friendship failed, she honestly said, “because I didn’t want to pay back the loan.” No one is guilty in this situation, except money.

Don’t let money ruin your relationships with your parents, siblings, friends, spouses or coworkers. If you are obsessed with money, try to get rid of this obsession. Change the way you think about money, and you feel happier in any relationship.

3. Money is addictive
Money has a huge addictive power. Nowadays many people are addictive to money and this addiction is like a drug or alcohol addiction. Each day you wake up with the thought to make more cash today and go shopping when you are unhappy. If you are not happy inside, shopping will never make you feel better. Stop letting your money addiction dictate your life. I believe you are strong enough to overcome it! Take small steps each day to completely eliminate this addiction from your life.

Money can help you solve a lot of problems, but it can’t fix everything. I have a few friends who are in their 40s now. They say they spent too much time thinking about money. The realize they wasted their lives, but I always say it’s never too late to start changing the way you think about money. Today’s world is obsessed with money, which is why I think it’s crucial to remind people about the most precious things in life, such as love, family and happiness. Money is a useful tool that you can use to reach your goals. But money will never make you happy, keep it in mind the next time you think that money solves any problem.

Do you think money can work miracles? Do you want to become rich? Why?

9 Tips to Cope with Being Poor in Your Group of Wealthier Friends

Earn less money than your friends? It`s not always easy to spend free time with wealthier people. You may feel ashamed of being the poor one but that doesn`t mean that you should stay away from wealthier friends. If you are true friends, your budget shouldn`t prevent you from keeping in touch. However, you probably feel uncomfortable when you can`t afford something they can, so here are some tips to help you cope with being the poor one in the group of rich friends.

1. Don`t expect them to pay for you
You should never use your friends as a source of money. They don`t have to provide you with everything needed as they`re not your parents or your partner. If they are rich, it doen`t mean they have a lot of extra cash but even if they had it still wouldn`t be yours and you have no right to spend it. If they want to present you with something or buy you something, that`s not a problem but you shouldn`t take it for granted and expect them to pay for you every time you hang out together.

2. Tell the truth
When you`re invited to visit an expensive night club but there are some other plans for your cash, tell the truth. Tell your friends that you can`t afford it and skip that party. Don’t feel ashamed about it. If you lie, you`ll be treated like a liar. Don`t invent an illusory reason why you can`t join them. Truth is always better than any sweet lie.

3. Never borrow money from your friends
If you have any difficulties and are sure that you`ll get money later then you can ask a friend to borrow some. But it shouldn`t become a habit. While it`s not a problem for rich people to share some cash with you, it`s a big problem for you to cope with huge debts. Don`t exaggerate your opportunities and try to be financially independent.

4. Help them
Yes, you may be poorer than your friends but you can have some other advantages as well. You are definitely better at something that they are. Help them to come up with their problems. That`ll make them forget about the amount of money you have and they`ll treat you as a real friend. After all, we can`t buy a true friendship therefore you need to show your value without any cash.

5. Don`t pretend to be rich
When you are part of rich friends it’s tempting to pretend to be rich too. Don’t do it, though. Pretending is never a good option in any situation. Sooner or later, everyone will find out your true financial situation and they will avoid you not because of your budget, but of your lie. Mind what you can effort and don`t cross this limit. A true friend won’t judge you for the lack of money.

6. Look for frugal activities
If someone is rich it doesn`t mean that they always spend tons of money on expensive activities. Suggest your friends some fun yet budget-friendly activities that won’t wreck havoc on your budget. There are some free events in every city where you can go together. Consider having a picnic or simply spend a day in the park.

7. Plan your outings carefully
Plan your outings carefully when you`re in the group of wealthier friends. It`ll help you to avoid unexpected spendings thus you won`t have to borrow money from your friends. Try to arrange something cheap that you can afford. If your friends are going to spend a week on Oahu, don’t run into debts to join them – either save or skip. Let your friends know that you need several months to save for this trip.

8. Try to spend less
When traveling, hanging out and working with rich people, don’t follow their example. When you dine out together, you shouldn`t order the same expensive meals, look for some cheaper ones. Count what you can afford adequately without going too far in getting into debts to show your financial capacity. Just be yourself and they`ll accept you the way you are if they are true friends.

9. Don`t try to keep up with them
The truth is not everyone is lucky enough to be born rich. Don’t jump over your head if you have less money than your friends. Rich people are lucky but richness shouldn`t be the decisive factor. You are kind, smart, fun and generous without a big wallet and these traits make you a great friend so don`t worry about how much money you have.

Are the poorest among your friends? Don`t worry! You`re a good person and the amount of money you have doesn`t mean anything. There`s no need to pretend that you`re rich and you should try to spend only what you can afford not to get into debts. True friends will never judge you by your financial situation unless you`re not trying to use them. What difficulties do you face as the poor one in your group of wealthier friends?

8 Sneaky Ways to Save $50 Each Month

Looking for easy ways to have extra $50 every month while doing nothing? Look no further because I’ll show you how to do that. $50 might not seem like a big money, but if you weren`t born with a silver spoon in mouth, it can still help you to pay your rent or bills. Today, the advertisement works greatly and it often makes us buy what we don`t really need for comfortable living. If you think that having more money means only working more, you`re wrong. It`s much easier to spend less instead. Here are some simple tricks to help you save $50 monthly without working harder:

1. Give up expensive habits
Most people have habits like drinking coffee, eating out, buying fast food, drinking, smoking and partying too much. All these habits cut a serious piece out of your budget. Once you give up expensive habits, you`ll save even more than 50$ a month. Not only will you save some cash, you will improve your health as well. Drinking a cup of coffee once a week is okay, but not 5 times a day.

2. Don`t waste things
Don`t start a new tea pack if something remains in the old one. Don’t buy tons of foods when you know you won’t eat them. Don’t throw away your leftovers, unless you feed stray dogs. There are many delicious ways to use any leftover. Use water and electricity wisely as well. You may feel like a granny when doing it but, beyond the shadow of a doubt, you`ll be surprise at the amount of money saved at the end of each month.

3. Shop at the back
Try to go to the back of the store next time you go shopping. The statistic shows that almost every store has sales at the back of it only. It`s reasonable for shopkeepers. Not every client has time to go to the back of the store. But now you know what to do. It’s a simple way to save $50 or so each month, isn’t it?

4. Your task is to ask
Whenever and whatever you`re going to buy, at first ask yourself whether you really need it or not. That extra pair of expensive 50% off shoes is really worth buying. It`s a rare chance, but do you really need those heels when you already have a few pairs at home? You can spend this money on something more useful or simply to save those bucks for rainy days.

5. Transport
One of the healthiest and most effective ways to save money every month is to consider the way you move around the city. If you have a car, it takes a huge part of your budget every day. If you use public transport, the spendings are lower but there`s a way to avoid them at all. Try walking or bicycling. This way, you’ll have more extra money and stay slim and healthy at the same time.

6. Write a shopping list
Write down everything you need to buy before you go shopping. It`ll prevent you from buying unnecessary things, not to mention you won’t forget to buy what you need. The system of grocery stores and supermarkets is built the way to attract clients and make them buy more and more. Write a shopping list to cut your grocery bill.

7. Prioritize splurges
Everyone likes splurging from time to time and it`s not a crime, of course. However, it`s better to prioritize what things are worth your money and what isn’t essential. Celebrities inspire us to splurge and live a luxury life. If you can afford it, then why are you reading this post? If you live from paycheck to paycheck, saving $50 can help you solve your financial problems. Prioritize splurges is a smart way to do it.

8. Wardrobe issues
You probably have many old clothes that you’re not going to wear anymore. Why not sell them? You won`t earn a lot but it`s still an income. If you don’t want to sell, then revamp your favorite pieces. There are many simple and stylish ways to give your old clothes a brand new look. Don’t be lazy, start crafting!

Saving money is easier if you know these tips but anyway you`ll need to practice saying NO to some of your usual needs. Everyone can save $50 a month, unless your paycheck is $50. Get into a habit of saving more to spend more on more wonderful things. Do you think it’s possible to save $50 each month? Are you a savvy shopper? Feel free to share some of your best tips with us.

Survival Mode: Why Girls Should Have These Change Jars

No matter where you live, you definitely face financial problems once in a while. One day you spend the whole day shopping. The next day you are at low-water mark. It’s okay, on the one hand, because you live in the present moment and make yourself happy however you can. On the other hand, you are slowly, inch by inch, ruining your stable future. Now that the holiday season is almost here, you need even more bucks for gifts, parties and food. I’m not suggesting that you completely tighten your belt, but having a change jar can change your situation and make your holiday season easier on your wallet. I have a few jars for different purposes. Here’s what change jar you can create today:

1. Jar for good deeds
Want to make this world a happier place to live in? Create a jar for good deeds. You can spend these saved coins on food for stray animals or homeless people or give them to a local hospital or shelter. Or you can simply buy and plant a tree. Whatever kind and useful thing you’ll decide to do, a jar for good deeds may come in handy.

2. New Year jar
New Year is a few months away but saving for it starting today is a smart decision. This way, you will start a new year with a full jar of money – okay, these coins are not big money but still money – that you will invest in one of your new year’s resolutions. When others go broke in the beginning of a new year, you will feel rich and mighty.

3. Gift jar
The holiday season means a lot of gifts. Gifts means a lot of money. What’s the way out? Create a change jar to save some cash for gifts for your family and friends. A gift jar isn’t for Christmas only. It can be for Valentine’s Day or friend’s birthday. With a gift jar, you don’t have to worry about running into debts because of unexpected coworker’s birthday.

4. Educational jar
This change jar can be for you or your kids. Education is expensive these days. Many young people can afford a college and a university right after a high school so they start working to make ends meet. If you have a child, start saving for their education today so that your offspring could get a diploma in future. If you want to get a higher education, consider having an educational jar.

5. Travel jar
Traveling broadens our horizons but it also drains our wallets. If you can’t afford to visit your favorite place, you can make your dream come true by creating a travel jar or a vacation jar. Call it whatever you like – the purpose doesn’t change. Of course, you won’t be able to save a lot for your trip even in a few months, but you can start saving a little today to have enough sum next year.

6. Dream jar
Whether you want to buy a new fridge or a new smartphone, having a dream jar means you are one step closer to your dream. Even though it takes more time to save for your dream rather than simply use your credit card, knowing that you will be able to buy it in a few months without going into debt and paying interest is a fantastic feeling. Small savings add up faster than you think.

7. Rainy day jar
In case you don’t have a jar for rainy days yet, I strongly recommend you to have one. You never know what will happen tomorrow. I hate to say it, but car accidents and diseases don’t ask us when they can occur. They just occur and all we have to do is to cope with them… and we can’t handle them without money. Having a rainy day jar is great for when bad and good things happen.

Just because you don’t have a big paycheck doesn’t mean you can’t save. I’m a big fan of change jars because it’s an unnoticed way to save money that many of us ignore. A little saved each day adds up by the end of the month or year. Take time to make a cute change jar today to have a simpler tomorrow. Get into a habit of accumulating small coins from your wallet and purse into each jar equally at the end of each day or week to make sure your jars are not empty. Do you think a change jar is an effective tool to save money?

8 Smart Black Friday Shopping Tips

Black Friday shopping doesn’t just have to be money splurging time. Some people spend more money on Black Friday than any other day of the year, believing they get the best deals. It’s not a secret that many companies raise the prices on Black Friday and trick us into thinking we get cheap things and save cash for Christmas. Fake Black Friday isn’t a surprise in many cities, which is why more and more people skip this big day. If you can’t stay home when others do shopping, here’s your guide to getting the best deals and purchase things you really need.

1. Leave your credit cards at home
Maybe I’m a credit card hater, but I think it’s one of the worst things that can ruin our happiness and quality of life. When getting ready for Black Friday shopping, create a list of things you need and prepare a certain amount of money. This way you will avoid overspending and running into debts. When you pay with cash during the holiday season, you ring in the new year debt-free, unless your friend will lend the money to you.

2. Don’t ignore the fine print
Large fonts, flashy language and seemingly fantastic prices are created to get our attention. We hurry to buy the item before someone else will get it, forgetting to read the fine print. Oftentimes, we are too lazy to read it. However, the fine print may contain the truth that many retailers and companies are trying to hide from us. The hustle and bustle of Black Friday can break the most savvy shoppers, albeit it all depends on how many things you want to purchase.

3. Don’t get blinded by flashy deals
When going Black Friday shopping, think outside of the box. Instead of stocking on Christmas gifts, think about other events too, such as Valentine’s Day, birthdays, Easter, Mother’s Day, Father’s Day etc. Look for little items that are cheaper on Black Friday. This way, you will always be ready for any occasion, even when you won’t have money at all.

4. Bargain
If you really love the item but don’t have enough money for buying it, look for the same item with some little scratch, tear or package damage and feel free to bargain. Most sellers and stores, especially those that are less heavily trafficked, are open to bargaining and negotiating. But don’t get angry. Bargain with a smile on your face and a great mood.

5. Get ready mentally and physically
It may sound ridiculous but those who are ready for Black Friday shopping mentally and physically get the best deals. Go to bed early, meditate or read before sleep in order to calm your mind, skip alcohol at party to avoid dealing with hangover in the morning, create a list of the things you want to buy and prepare money. On Black Friday, wake up earlier, exercise, have a healthy breakfast, increase your mood level, grab a bottle of water and go shopping. We tend to make better decisions when we feel healthy. Be ready to deal with angry people and don’t respond to rudeness.

6. Don’t open a store credit card
Store credit cards allows us to get extra savings on the items we need, but they are usually much higher than our ordinary bank credit cards. Opening a store credit card on Black Friday may leave you paying off your debt all year long, not to mention that you can end up paying up to 30% if you will be late on your payment.

7. Watch your change
Black Friday is a great opportunity for seller to earn some extra cash. Huge crowds and long lines are overwhelming, which is why it’s no wonder so many people find themselves feeling confused and losing money. Watch your wallet and change when going Black Friday shopping. Otherwise, you lose more than gain.

8. Don’t throw away the receipts
When you have the receipts of your purchases, you have more chances of changing or returning the item you bought mistakenly. Or, maybe that washer has some technical problems or serious damages that you failed to notice on Black Friday. A receipt is a proof that you have a right to get a high quality item and the store simply deceived you. The best advice is to keep your receipts every time you buy something no matter what day it is.

Black Friday is right around the corner, which means it’s time to start preparing for it right now. Don’t run to an extreme, though. If you have no money, it’s best to skip Black Friday shopping. The last thing you want to deal with in the coming year is debts. Are you ready for this year’s Black Friday shopping? What are you going to hunt for?

8 Dos and Don’ts of Prenups

There’s a thin line between love and hate. If you’ve been together for a while and want to tie the knot, it’s critical to think about your future. Marriage isn’t a coffee date. It’s a serious step that each of us takes at some point in life. A prenuptial agreement isn’t about money and real estate. It’s about a peaceful future in case of divorce.

We can’t predict future. Today you love each other, but in 10 years you or your partner may find another love. With a prenuptial agreement, your divorce process will be easier then. Check out the do’s and don’ts of a prenup in order to use this future-planning tool correctly.

1. Don’t: Dwell on your prenup
Many couples focus on their prenuptial agreements more than on their wedding planning. Don’t commit this mistake. Discuss the most important questions. Think rationally. There are many cases when couples break up when carrying out prenuptial agreements. Typically, it’s because of financial obligations, assets and property.

2. Do: Discuss financial obligations
No matter how hard it will be ta talk about money before you tie the knot, you have to think about your financial future. Discuss financial support in case one of you will have to quit a job to stay with children at home. Create the prenup that will ensure your carefree motherhood in case of divorce.

3. Don’t: Have the same lawyer
In order to create a fair prenup, you and your partner should hire two separate lawyers – make sure they don’t know each other. This way, your prenuptial agreement will be absolutely reasonable and both of you will know that a lawyer won’t take anyone’s side.

4. Do: Suggest a prenuptial agreement
If your partner says nothing about a prenuptial agreement, show initiative and suggest your partner create a fair prenup. He may get angry at first, but try to explain why this agreement is so important to both of you. Prenuptial agreements are absolutely practical. Even the happiest couples choose to protect themselves financially. It’s life. There’s nothing wrong in suggesting a prenuptial agreement.

5. Don’t: Regret
Once you create your prenuptial agreement and sign it, don’t worry about it and don’t regret it. Keep preparing for your wedding and planning your honeymoon. Pretend that you don’t have any agreement. Put it in your drawer or in a safety deposit box so that you won’t see it on a daily basis. Also, don’t turn to your prenup when fighting with your significant other. Casting reproaches upon your partner will cause more problems and might even lead to breakup or divorce.

6. Do: Discuss assets and property
This question must be discussed objectively. Your prenuptial agreement must include the list of property and assets that each of you owns right now. Once you know who owns what, you should decide who will own what in case of divorce. This may seem a bit offensive at first, but it has to be done for the sake of your peaceful and prosperous future.

7. Don’t: Beat about the bush
The earlier you start creating your prenup, the more time you will have for your wedding planning, not to mention that you will avoid extra stress right before your wedding day. If possible, start creating a prenuptial agreement 3-5 months before your big day. Many couple sign prenups a year before the event. Remember, a prenuptial agreement is only valid if it’s signed prior to marriage.

8. Do: Think thoroughly and speak up
When it comes to prenuptial agreements, couples should take time to think thoroughly about what terms they want to include in their prenups. Don’t just agree to whatever terms are suggested by a lawyer or your partner. You have the right to express your point of view and add whatever you think necessary to your prenuptial agreement. Remember, it concerns your future.

Creating a prenuptial agreement in the midst of your wedding preparation isn’t the most joyful thing to discuss, yet it’s crucially important. Although prenups aren’t used to decide issues of child support and child custody, they are perfect for resolving the financial aspects of a divorce. Hopefully, you won’t face a divorce down the road, but considering a prenup is definitely worth your time and effort.

8 Dos and Don’ts of Prenups

There’s a thin line between love and hate. If you’ve been together for a while and want to tie the knot, it’s critical to think about your future. Marriage isn’t a coffee date. It’s a serious step that each of us takes at some point in life. A prenuptial agreement isn’t about money and real estate. It’s about a peaceful future in case of divorce.

We can’t predict future. Today you love each other, but in 10 years you or your partner may find another love. With a prenuptial agreement, your divorce process will be easier then. Check out the do’s and don’ts of a prenup in order to use this future-planning tool correctly.

1. Don’t: Dwell on your prenup
Many couples focus on their prenuptial agreements more than on their wedding planning. Don’t commit this mistake. Discuss the most important questions. Think rationally. There are many cases when couples break up when carrying out prenuptial agreements. Typically, it’s because of financial obligations, assets and property.

2. Do: Discuss financial obligations
No matter how hard it will be ta talk about money before you tie the knot, you have to think about your financial future. Discuss financial support in case one of you will have to quit a job to stay with children at home. Create the prenup that will ensure your carefree motherhood in case of divorce.

3. Don’t: Have the same lawyer
In order to create a fair prenup, you and your partner should hire two separate lawyers – make sure they don’t know each other. This way, your prenuptial agreement will be absolutely reasonable and both of you will know that a lawyer won’t take anyone’s side.

4. Do: Suggest a prenuptial agreement
If your partner says nothing about a prenuptial agreement, show initiative and suggest your partner create a fair prenup. He may get angry at first, but try to explain why this agreement is so important to both of you. Prenuptial agreements are absolutely practical. Even the happiest couples choose to protect themselves financially. It’s life. There’s nothing wrong in suggesting a prenuptial agreement.

5. Don’t: Regret
Once you create your prenuptial agreement and sign it, don’t worry about it and don’t regret it. Keep preparing for your wedding and planning your honeymoon. Pretend that you don’t have any agreement. Put it in your drawer or in a safety deposit box so that you won’t see it on a daily basis. Also, don’t turn to your prenup when fighting with your significant other. Casting reproaches upon your partner will cause more problems and might even lead to breakup or divorce.

6. Do: Discuss assets and property
This question must be discussed objectively. Your prenuptial agreement must include the list of property and assets that each of you owns right now. Once you know who owns what, you should decide who will own what in case of divorce. This may seem a bit offensive at first, but it has to be done for the sake of your peaceful and prosperous future.

7. Don’t: Beat about the bush
The earlier you start creating your prenup, the more time you will have for your wedding planning, not to mention that you will avoid extra stress right before your wedding day. If possible, start creating a prenuptial agreement 3-5 months before your big day. Many couple sign prenups a year before the event. Remember, a prenuptial agreement is only valid if it’s signed prior to marriage.

8. Do: Think thoroughly and speak up
When it comes to prenuptial agreements, couples should take time to think thoroughly about what terms they want to include in their prenups. Don’t just agree to whatever terms are suggested by a lawyer or your partner. You have the right to express your point of view and add whatever you think necessary to your prenuptial agreement. Remember, it concerns your future.

Creating a prenuptial agreement in the midst of your wedding preparation isn’t the most joyful thing to discuss, yet it’s crucially important. Although prenups aren’t used to decide issues of child support and child custody, they are perfect for resolving the financial aspects of a divorce. Hopefully, you won’t face a divorce down the road, but considering a prenup is definitely worth your time and effort.