Tiffany Haddish once said that an adult’s report card is their credit score and that she decides whether a man is worth her time based on their score.
If you didn’t fully grasp what she said, here’s something that will break it down for you.
You must have joined an online dating site once, right? You could even be in one at the moment, or that’s where you met your significant other.
While you were filling your profile, you definitely included the basics such as your eye color, height, and education level.
To make yourself come out as an interesting fellow, you added on a couple of hobbies, right? And frankly, all of this was in order. However, did your three-digit credit score feature anywhere?
You could have met your partner on a dating site, but did you share your credit score information back then?
The thought of sharing your financial status with online strangers could probably make most of us cringe, a situation that is totally understandable.
Breaking the Ice
However, there are dating sites breaking the ice, albeit gradually. One of these happens to be Creditscoredating.com, a site that has you revealing your loan status before signing you up. Could this be the future of online dating, and perhaps dating in general?
In 2015, the Federal Reserve conducted a survey that resulted in interesting findings. Apparently, individuals with a good to excellent credit score are more likely to succeed in relationships compared to their counterparts with poor scores.
Thinking about it, this finding shouldn’t be that surprising. While the narrative is usually that money isn’t everything, how do you expect to sustain a home without financial discipline? No wonder issues surrounding money are among the leading causes of marriage breakdowns in the United States.
You cannot sustain a home without financial discipline
According to the Federal Reserve study, it also doesn’t help if one partner has a good score while the other one doesn’t. The one with good credit is definitely a better financial manager and the fact that their significant other isn’t good with money must bother them a tad too much.
Truth be told, finances are a source of conflict among most married couples. If partners cannot see eye to eye when it comes to individual spending habits, the marriage is headed towards some rocky times.
Opposites Attract
Unfortunately, opposites attract. An individual who’s big on saving may tie the knot with a spendthrift. Just like that, their dreams of owning a particular home go with the wind.
While they may end up buying a house, it may not be the one they had always dreamt of, and they may subconsciously hold their partner responsible.
Just like that, your dream home remains just that – a dream
The grudge may lay dormant for years only to manifest later in life when the other party thinks that all’s well that ends well. And who doesn’t know that once such disagreements resurface, there’s no going back?
If you’re wondering just how you can spare yourself the hurt that comes with marrying the wrong person, writer Margaret Brady offers some advice.
She says that as soon as you start dating, make a point of bringing up your financial goals in conversation. By talking about it often, you’ll get to know how the other party’s financial school of thought and this way, you’ll know whether you’re a match or not.