Joint Bank Account with Your Spouse – Good or Bad? Find Out!

As much as you try to act coy and be that “don’t-give-a-damn” kind of couple “cos we both earn enough”, every pair at some point or the other is going to fight about money, assuming its not already happenned during the wedding prep, that is. Oops!! Numerous studies on marital relationships cite money issues as one of the primary reasons for failed marriages, and while the big reason for a fight right now for you could be the fact that your fiance wants to get married in jeans, this other reason may crop up eventually. Prevention is cure, right? Wisecracks aside, here’s the big question – 

Should you open a joint account after marriage or not?

Should you be happy about controlling your spend together or will you feel restricted?

In today’s advice we try to solve this money maze for you! Read on.

 

Pros of joint bank account after marriage:

>Access to deposit and withdraw funds whenever you need it

>Streamlined legal affairs (cuts down lengthy processes of legal paperwork)

>Easier to keep track of spends

 

Cons of joint bank account after marriage:

>Loss of financial independence

>Problematic if one spouse has a debt

>Problematic if the couple decide to separate

 

With this sorted, let’s dive into silly mistakes couples make with their finances and how a joint account can help:

 

LOVE AND LIVE UNITED, BANK DIVIDED?!

LOVE AND LIVE UNITED, BANK DIVIDED?!

This wrong approach can easily make or break a relation. Your approach toward a joint bank account after marriage should be the opposite After the wed lock, it’s all about your, mine and ours. Initially, getting your head around day-to-day expenses tends to be difficult and overwhelming. These are testing times, just stay strong, reason out the situations and sail through it smoothly. Try out different ways of handling money matters to see what works best. Merging your finances may not be a good idea if you both are not comfortable with it. There is no need to rush things.

 

YOUR DEBT, YOUR LOOK OUT!

YOUR DEBT, YOUR LOOK OUT!

Beginning your marriage with a high debt load can be where the first crack in your marriage may begin to appear. Debts are the root cause for most disagreements to build up between couples. As much as you will not like what we’re about to say next, such a situation is unavoidable – once you tie the knot your partner’s debt becomes your problem too. Look for ways to pay off the debt as soon as possible without any late payments, as this can affect your credit score.

If your partner has a debt before marriage and you don’t have a joint account together yet, get your assets protected from your spouse’s creditors through a prenup agreement and then seek methods on how you can pay off the debt.

 

YOU’RE A SPENDTHRIFT – I CAN’T BE THE ONE SAVING FOR BOTH!

YOU’RE A SPENDTHRIFT – I CAN'T BE THE ONE SAVING FOR BOTH!

Unplanned and unconscious spending is the second most common reason why couples fight. The arguments are always centred on one spouse spending more than the other, while studies prove that men and women both spend equally, it’s just that they spend on differently. If you choose to have a joint account and face this situation, sit down and discuss how much you will spending on daily things you need (which is generally taken care by the woman) and how much will you save for big purchases (which is generally taken care by the man).

 

RISKY INVESTMENTS IS NOT MY BALL GAME – KEEP YOUR EYE OFF OUR RETIREMENT SAVINGS!

RISKY INVESTMENTS IS NOT MY BALL GAME – KEEP YOUR EYE OFF OUR RETIREMENT SAVINGS!

Let’s admit it ladies, when it comes to money men are the risk-takers, while women try to play it safe. Though taking the plunge in big investments should not be based on how you feel its best to sit down with your partner and talk about your investment goals (if any) and time frames. This way you can divide the share of your amount in the joint account and let your partner take the risk with their share. You can always consult a broker or a financial planner for expert advice.

 

LITTLE FINANCIAL SECRET WILL DO NO HARM

LITTLE FINANCIAL SECRET WILL DO NO HARM

While lying about your tiny purchases will do no harm, big secret trading or gambling can ruin your marriage. Having transparency helps especially when it’s about money matter. Joint accounts control your spends to an extent that keep you safe from jail terms at least. Think about it!  

 

WE BOTH EARN WELL – THERE IS NOTHING TO WORRY ABOUT

WE BOTH EARN WELL – THERE IS NOTHING TO WORRY ABOUT

If you’re the perfect kind of couple with a perfect career, perfect living and have absolutely no apprehensions about debt, there are chances you could be unprepared for emergencies. When all things go well and suddenly a financial mishap occurs, even the perfect kind of couple tend to panic! It is advisable to keep an emergency stash of 3-6 months aside for such uncalled for circumstances. What better than a joint account with your spouse or a money-market fund.

 

 

Masterchef-Worthy Desserts to tell your Wedding Caterer about Right Now!

Weddings all around the world are trying new trends with décor, bridal wear and more. So we thought, why not level things up with food? We list, just for you a new spin to Indian wedding catering with these Masterchef desserts that can be whipped up by experts. When we think Masterchef, we think plating perfection, tasting perfection and a whole new level of appeal to food. All the recipes listed below can be made with ingredients available in India. So don’t fret. We suggest that you do not ask your wedding caterer for these desserts at your wedding, but rather keep it for a family wedding dinner, bachelorette party or rehearsal dinner where the crowd is small so your wedding budget doesn’t go through the roof.

 

Chocolate Pistachio Brownie, Chocolate Mousse and Orange Ice Cream

This one is for the bride who loves a chocolate a little more than everyone else in the world. This Chocolate pistachio Brownie with a chocolate mousse and orange ice cream to complement is all kinds of classy yet still keeping up the elegance with its addition of the pistachios and orange ice cream.

Chocolate Pistachio Brownie, Chocolate Mousse and Orange Ice Cream

Find the recipe here!

 

Fallen Ice-Cream  

A fancied up ice-cream cone deconstructed – a reminder of the good old days where summer holidays meant kulfi ice-cream, iced candies and golas! This fallen ice-cream is all about taking you back to the back in time. If you’re marrying your high-school sweetheart or sharing a bridal shower moment with your girls then this dessert will set the mood just right. A perfectly round scoop of ice-cream sprinkled with pistachio, laid with chocolate and cream.

Fallen Ice-Cream  

Find the recipe here!

 

Chocolate Mousse Sphere with Raspberry Curd, Toasted Coconut Crumb and Rosemary Salt

For the love of all things chocolate-y this Chocolate mousse sphere with raspberry curd, placed on a toasted coconut crumb. This dessert definitely makes cheating on the wedding diet worth it. Raspberry being a winter fruit adds more warmth to the smooth chocolate mousse. 

Chocolate Mousse Sphere with Raspberry Curd, Toasted Coconut Crumb and Rosemary Salt

Find the recipe here!

 

Chocolate Pave, Popcorn Ice Cream, Salted Caramel and Peanut

When we first saw this smooooth chocolate pave with popcorn flavoured ice-cream – all we could think of is – “This is too pretty to eat!”. This unusual yet mouth-watering combination dessert is sure to get your guests licking their plates (even at a classy sit-down dinner!)

Chocolate Pave, Popcorn Ice Cream, Salted Caramel and Peanut

Find the recipe here!

Coffee and Orange Trifle

Cute to look at and even better to eat! This coffee and orange trifle brings a new-age feel to wedding and rehersal dinner catering and food!

Coffee and Orange Trifle

Find the recipe here!

 

Mango with Custard and Spiced Nuts

You know how crazy with mangoes when the month of may hits us! Use this to your full advantage at your Summer wedding for a fresh catering menu.

Mango with Custard and Spiced Nuts

Find the recipe here!

 

Smoked Chocolate Mousse

Plated to perfection this Smoked Chocolate Mousse is perfect to set the mood for your classy rehersal dinner or your last meal with your friends and family before that Ms turns to a Mrs!

Smoked Chocolate Mousse

Find the recipe here!

Handpicked Candid Wedding Photographers in Chandigarh Known for their Brilliant Captures!

 

What is a wedding album, we think? It is a storybook, that tells us about two people, their love, their families and how the most special day of their life came about. When this story unfolds what one witnesses is a burst of priceless, happy and emotional moments. Candid wedding photographers are the wedding ninjas who are all over the venue secretly capturing those emotions and rituals in the most artistic manner so that this storybook remains the most important one on your shelf for generations to come.

We all know of all the grand and beautiful weddings in Chandigarh, which also means that the best candid wedding photographers in this city have their calendars blocked months prior to the actual shoot. We’ve handpicked four such photographers for you whose clicks have made us deeply fall in love with the idea of weddings. We guarantee, these will make you trip emotionally too. Scroll on to see what these candid wedding photographers in Chandigarh have to offer.  

 

Art Capture Productions

Art Capture Productions

Art Capture Productions

Art Capture Productions

Art Capture Productions

Art Capture Productions, based in Sector 48, Chandigarh, is your go-to photographer for wedding photography. The talented team of candid wedding photographers in Chandigarh capture all the candid moments of your big day and make your wedding album a thing to be cherished forever. The company is jointly handled by husband and wife having over 10 years of experience in the Entertainment Media and Art Industry making them the coolest photographers to deal with.

STARTING PRICE: 50,000

For Booking Enquiries: click here

 

The Wedding Delight

The Wedding Delight

The Wedding Delight

The Wedding Delight

The Wedding Delight

The Wedding Delight, based in Sector 20, Chandigarh offers beautiful wedding packages for every type of wedding. The talented team of candid wedding photographers in Chandigarh are also experts in creating gorgeous videos of the special day to make it even more memorable. Their work speaks for itself. Each moment in a frame is captured beautifully with utmost love and professionalism. If you’re seeking a creative wedding album, The Wedding Delight will not disappoint.

STARTING PRICE: 35,000

For Booking Enquiries: click here

 

Procolor

Procolor

Procolor

Procolor

Claiming to be “story tellers” and not just mere wedding photographers, Procolor has a legacy of over 39 years specializing in high end candid wedding photography in Chandigarh. Their team of experienced professionals ensure every precious moment they capture makes you relive them each and every time you see the images. Offering each couple with wedding photographs that are immortalization of love, promise, togetherness and happiness, you know you’ve found your dream photographers in Procolor.

STARTING PRICE: 1,75,000

For Booking Enquiries: click here

 

Perfect Pixels Production

Perfect Pixels Production

Perfect Pixels Production

Perfect Pixels Production

Perfect Pixels Production

If you’re looking for a one-of-a-kind candid wedding photographers in Chandigarh, Perfect Pixels Production is an exclusive production house offering end to end photography and videography services for every event, personal or professional in their own fun, frolic and unique approach. Their expert eye behind the lens captures all your unconscious moments in the most serene manner possible. Their unique bend to photography and unusual angles makes every frame stand out from the other, making hard for you to pick a few favourite images from your wedding album.

STARTING PRICE: 1,80,000

For Booking Enquiries: click here

 

Amber & Atipriya Indore : A Beautiful Marwari-Jain held at The Grand Bhagwati, Indore

Indian arranged marriages sometimes result in a magical love like Amber and Atipriya’s. Within a span of a few days and text messages shared at 4:30am, both their hearts knew they were making the right decision. Once their parents saw both their heads nodding yes – there began the Big Fat Indian Wedding planning process! From décor to flowers, venue and photographer too – each detail being planned within a span of four months with such perfection, each picture captured by Vivek Samiya Photography is proof!

Celebrations began with the mehndi ceremony where this beautiful bride donned a green leheriya lehenga from Jaipur with delicate floral jewellery which perfectly matched her entire outfit. A beautifully flared green and silver embroidered gown from Benzer proved to be an ideal choice for their indoor sangeet ceremony. Lots of dancing, lots of love and lots of bubbles too (an idea you definitely want to steal for your wedding!) The low back on this sangeet gown was definitely our favourite element!

Atipriya looked like the quintessential Indian bride in a red and gold gota patti lehenga with minimal jewellery – This bride drew a perfect balance with a simple meenakari and gold necklace and borla maangtikka! What you should look out for as you scroll through this wedding – the bride’s flawless makeup by Lemon The Salon, owned by Dilip Sen and Seema Sen, Indore, those candid moments captured by Vivek Samiya Photography and the aww-worthy pre-wedding photoshoot!