50-50 is Dead: Smarter Ways to Share Expenses 🤑
A guide to splitting expenses as a couple without the drama 💔➡️💰
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Humara Gyaan: When you think about managing expenses as a couple, your first instinct might be to split everything 50-50. Seems fair, right? But here’s the truth (from someone who’s been there): nothing in a relationship is ever exactly 50-50—not time, not care, and in many cases, not even effort. So why should your finances follow that rule? 🤷♀️
It's highly unlikely that both partners in a relationship bring the same amount of money to the table. So, aiming for equity instead of equality is the way to go!
You could consider one of the following methods:
1️⃣ The Percentage Split
Both partners would agree on a fixed percentage of their income to contribute toward shared expenses. For example, if you decide on 40%, each partner puts 40% of their earnings toward any joint expenses or commitments.
💡 Why it works: It’s proportional. Both partners contribute fairly, without one feeling overburdened.
2️⃣ Income-Based Contribution
Split expenses based on how much each partner earns. Let’s say a couple’s combined income is ₹1,00,000, with Partner A earning ₹60,000 and Partner B earning ₹40,000. In this case, Partner A would cover 60% of the expenses, and Partner B would handle the remaining 40%.
💡 Why it works: It factors in individual earning power and ensures neither partner feels stretched thin.
3️⃣ The Joint Account Method
This approach works especially well for couples who live together or are married. Here, each partner keeps a small percentage of their income (say 5%) for personal use, and the rest goes into a joint account. This joint fund then takes care of all shared expenses, as well as savings and investments.
💡 Why it works: It fosters a sense of teamwork and helps align financial goals—perfect for long-term partnerships.
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Two halves don’t make a whole in relationships—they make fractions. The best financial plans for couples are ones that respect individuality while fostering unity. And when you approach it with empathy and balance, the returns are more likely to be in your favour. From what I know, this would work wonders for every challenge a couple would face, not just for money! 💰✨
Here’s to growing together, not apart🍻
Sayali❤️
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