When looking for the perfect partner, people usually think of personal qualities such as “a great conversationalist”, “a good listener” or “kind and attentive”.

But what about the financial habits that you should look for in your partner?

This topic is very important because poor money management can lead to fights and tensions in a couple. There have been many surveys which had come to conclusion that financial issues results in relationship troubles.

Would you share your love life with someone who hides his or her debts and unnecessary expenses? Would you be happy with someone who asks you to pay the water or telephone bills without contributing his or her fair share?

If you answered NO to the above questions, you are aware that the love of your life must also be attractive in the management of his or her personal finances.

But how can you identify a partner with that charm?

Below is the list of a person’s financial habits that make anyone fall in love. And no, you don’t need to be a millionaire or have a large income to have these qualities.

1.- Is thrifty

A financially attractive person has saving as a daily habit. If he/she prefers to do it in a specific account and not under the mattress or in a bottle, even better. He also likes to learn about investment options so that his savings do not lose value over the years.

2.- Makes budgets

Instead of keeping his accounts from memory, he/she takes the time to record his expenses and income, either in a notebook or a mobile app. And thanks to this habit, you won’t hear complaining because paycheck isn’t enough or because they don’t know where the money is going.

3.- Being sincere

Both the partners are open to talk about money matters and do not hide important information about their financial life, such as salary. In addition, they confesses their shortcomings when it comes to handling money and involve you in his decisions.

4.- Has a good credit history

They are concerned about improving their credit bureau score and always pay their loans on time and on budget. Because of this, financial institutions constantly offer you products with personalized advantages.

5.- Never pays the minimum

You always make the payment so as not to generate interest or the total debt, because you hate it when banks charge you a lot of interest for paying the minimum and you know that this would make you over-indebted.

6.- Compares financial products

Does not act impulsively and accept the first card or loan you are offered. Check especially the annual interest rate, the total annual cost and whether the rate is variable or fixed, in order to accept the product that suits you best.

7.- Does not make unnecessary expenses

When you buy with a credit card, never use more than 50% of your credit line. You only pay for the services and products you need, without pretending to live a lifestyle you can’t afford.

8.- Saves interest on your debt payments

A person with healthy finances understands that paying a lot of interest affects him and that he could use that money for other purposes such as increasing his savings fund for emergencies. Therefore, he/she resorts to figures such as debt consolidation to save a large part of those interests and have a calmer financial life.

Hi, I am Nikesh Mehta, owner and writer of this site. I’m an analytics professional and also love writing on finance and related industry. I’ve done online course in Financial Markets and Investment Strategy from Indian School of Business. I can be reached at nikeshmehta@allonmoney.com.