It is common in India to match the horoscope (Janam-Patri) of the bride-to-be and the groom-to-be before their wedding alliance is formalized. The compatibility of the bride and the groom is compared through this age-old traditional way. With the advent of medicine, more number of young couples to-be have started to get themselves medically tested to check their compatibility with each other medically. This is essentially to eliminate any genetic diseases like Thalassemia, congenital heart diseases, etc. which might affect their children. More and more couples now also go for enhanced testing methodologies to rule out carrier diseases like HIV, Hepatitis B, etc. too.
These measures to check the compatibility of the couple before getting into a relationship is a step in the right direction. However, many a time we notice that day to day life throws up financial challenges upon the couples which strains their relationship. It is time we looked at the new concept of Financial compatibility of a bride and a groom before they enter into a relationship or wedlock. We would like to call this as Fin-Patri.
Let us take a look at a few factors to be considered under Fin-Patri:
Does your future spouse splurge on a foreign vacation with the only amount in his bank account? If the answer is Yes, it is a cause of worry. The key to success in achieving financial goals is the ability to save. Let us face the truth, each one of us wants to save money and build wealth for a financially secure future. But not many of us have the discipline to save regularly or as per a pre-decided plan to achieve our goals. The ability to save should be the one of the fundamental things that a bride and groom should check with each other. Ideally it will help to keep a percentage of income as a target that should be saved every month.
It is a known fact that working professionals should always keep 3-6 months of monthly expenses aside in a liquid form to face any kind of financial emergencies caused due to loss of income due to either an accident, temporary disability or a loss of job. It is a very good benchmark to measure to evaluate a person’s financial readiness before marriage.
We have a set of financial commitments before marriage. These commitments include financially supporting your family, either in part or in full for their financial needs. It can include supporting your younger sibling(s) in their studies, taking care of your retired parents, etc. When you are about to get married, it is important to talk to your future spouse about your financial commitments in a transparent manner. This would help in setting the right expectations and help to avoid heartburn at a later stage after the marriage. Similarly your spouse too has his/her own set of financial commitments before marriage. It would be prudent to discuss the financial commitments of each other in a transparent manner. It would probably be wrong to influence your spouse and make him change their financial commitments post marriage. This is an important factor because of the emotional value we attach to our families in our country.
Getting into a relationship or getting married is a once in a lifetime occasion for anybody, which comes with a lot of happiness, anxiety and the promise of a lifetime of togetherness with your life partner. Just as we check astrological and medical compatibility of a couple, it would be prudent to keep the above Fin-Patri tips in mind before you commit yourself to it.