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Marathons in the big cities, sharp motorcycles, or maybe the stable full of Icelandic horses. A really expensive hobby for one of the parties tempts the economy, but sometimes also the relationship. Here are the best advice from private economists on avoiding injustice disputes.
An expensive hobby. Stock Photography.
It’s not entirely uncommon for couples to have different interests and for the cost of leisure activities to differ significantly from one another, says Sharon Lavie, a savings economist at the Schibsted Group.
It can be something that has been pending your whole life, even before meeting you, but also interests that awaken later. Exclusive cars, trips, skydiving or horse competitions, for example.
Although a really expensive hobby can cause squealing, says Arturo Arques, a private economist at Swedbank. Most couples have a more or less common economy.
– It easily becomes a financial bias in the relationship, he says.
Of course, it’s about money, but it’s also about time and commitment, he explains. Anyone who has all the focus on horse jumping or training trips may not have the time or money to do things with their partner or the rest of the family, he explains.
– It matters if you cohabit or are married. If you’re a partner, money doesn’t mix, says Sharon Lavie.
It’s easier for cohabiting couples to share common expenses, so everyone can do whatever they want with their own money, he thinks.
But problems can still arise. If the expensive hobby means there is nothing left for common pleasures, the relationship can take a beating.
– It is not possible if you spend all your money on your own hobby, she says.
Of course, it will be corrosive in the long run, so making sure you save for joint vacations and entertainment is also important, advises Sharon Lavie.
Married couples have more financial community, at least in case of divorce, he explains. There, it may be a point to establish a prenup, if one party engages in a really expensive leisure activity and the other party saves their money, you think. Without a prenuptial agreement, the money must be divided equally in the event of a divorce, explains Sharon Lavie.
Ingela Gabrielsson, a private economist at Nordea, thinks you need to be careful how you set up your finances early on in a relationship. Preferably paying common expenses proportional to salary.
– When you are in love, you may think “of course you should have your horse”. But there must be balance from the beginning, says Ingela Gabrielsson.
Both Arturo Arques and Sharon Lavie agree. It is necessary to talk about how to have it in the economy already when they move in together, and also during the relationship, they think. And it is best to organize it so that common expenses are paid in proportion to income.
– But a little shared finances can be good for the sake of peace, says Sharon Lavie.
At the right point, it never can be, and probably shouldn’t be either, they emphasize.
– A hobby is important and you have to be generous with others, says Ingela Gabrielsson.
– A happy and happy couple is also worth a lot, says Arturo Arques.
Some tips about the hobby
Decide how to have it from the start. Talk about finances and agree on how much each hobby can cost. It is also important to talk about how much time is spent on interests.
Save for shared entertainment.
Cohabiting or married: the rules about finances are different. Cohabitants have shared finances, unless otherwise agreed. Married couples too, but in case of divorce, everything is shared equally. A prenuptial agreement may be required.
Divide the economy to be fair, it is common for common costs to be paid in proportion to income.
Source: Sharon Lavie, Arturo Arques and Ingela Gabrielsson
