To talk about personal finance issues, great trust between the parties is needed, especially when love is involved. What do I mean? A subject that unfortunately becomes taboo is the level of income because there is a serious danger of falling into an absurd competition with your partner for who should become the provider of the home.
An adequate level of maturity would respond to the importance of discussing it to build a common heritage so that both can contribute and build, to the extent of their possibilities and without undermining anyone, a budget.
To establish the budget, they must consider absolutely everything that is necessary for the adventure. They can decide if they will rent a home at first or if they decide to buy it, here there are many financing options and there are even mortgages that allow you to add the income of both to achieve better conditions and higher amounts.
I repeat that communication is essential throughout this process, particularly because you are looking to build a home that meets the needs of both.
Remember that the first months and even years can be complicated, but patience, little by little you can acquire a common heritage if you stick to the budget that was established in agreement. It could be considered, at first, if it is time to buy or to accelerate mortgage payments; everything is possible if there is a lot of communication and common goals.
Another element to take into account could be in the future, the acquisition of coverage and protection, for example, home and damage insurance, see the possibility of acquiring medical, life insurance or a retirement savings plan; an important detail, establish an emergency fund that is never too much.
It goes without saying that fun must be included, moments as a couple which remain in the memory, make a difference and can only be shared with the special person, so it is important to consider these aspects within the budget as a couple for planning experiences. such as travel, home improvements, and other aspects that they would like to maintain or strengthen as a couple.