How do I deal with financial incompatibility with my partner?

If you have plans for a long term future with your bf, you should sit down with him and have a talk with him about future finances. There are going to be lots of things that have to be shared in future, such as house stuff, monthly utility bills, groceries and kids. Make sure that whatever you agree on is comfortable for you. Try to advise him to change the bad financial habits that he has, especially if he lets his credit card bills roll. I feel that the important thing is that you must make sure that you will not end up being dragged down by his debts in future. All the best!

The best way to do this is to have an open discussion with him to understand the situation from his perspective and how both of your future will be like. In like manner, share with him on your insecurities and how both of you can overcome this issue to this end.

Firstly, I will suggest for you all to go back to the basics and do a proper cashflow analysis. This allows you to understand both of your earning ability and spending habit. From there, make adjustment to improve the overall financial situation. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-pers...

Next, if both of you are serious about each other's future together, create a budget that is for the future. Here is how I do mine: https://www.blog.pzl.sg/how-to-create-a-monthly...

From now, you will have a better understanding of each other and the situation for your future. Then plan ahead, e.g. expenses for wedding, house, family planning. Accordingly, understand the limitations involved and brainstorm together on ways to make things right.

Above all, don't let emotions get into the way. Be as objective as you can to wanting to solve the problem together.

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I think honesty and communication is impt. Maybe he can approach trusted Financial advisor to see if he can reduce his premiums to a more manageable number, if he's young he doesn't need that much coverage. Also maybe break down the amount of interest he's paying on his credit card installments to encourage him to pay them off in 1 lump sum.

Additionally, get him to save let's say 10% of salary into an acct with no ATM card etc so he can't take the money out easily.

Hi,

It all matters his current age, because I think that 1k for insurance is decent but of course allocation is wrong given his take home pay is 2.5k. You might want to check if he has any ILP and maybe that's the first step to reduce his insurance costs.

Then, you need to ask yourself if he's the hardworking kind and continue to strive to progress professionally. If yes then maybe u can observe over time and discuss with him appropriately. Don't be confrontational as sometimes guys might not be able to accept it and it might not bode well for a last relationship. All the best.