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Questions for Couples: Money - Part I

Do you have a budget?
If yes, how well do you follow that budget?
Do you save some of your money?
Do you currently have money in savings?
What are your feelings about debt?
For what do you think it is acceptable to go into debt?
How much debt are you willing to carry?
Do you have any debts?
If yes what type of debts do you have? Mortgage? Car loans? Business? School?
Do you have any credit Card debt?
What interest rate do you get on your credit card(s)?
If you use a credit card, how do you use it?
What are good reasons for using a credit card?
How do you feel about pay-day loans?
Do you know your credit score? How is it?
Do you check your credit regularly?

Do you have a checking account?
How often do you use it?
Do you prefer to use a debit card, or a check?
How do you keep track of your purchases?
How well do you keep track of account balances?
Do you ever over-draw your account (or bounce a check)?
How often do you bounce checks?
Do you think that a couple should have all their money in one account? or should each person have separate accounts?
Do you have a specific bank that you have to use?
Do you have any banks that you want to avoid?
Do you think that all your money should be in one bank, or do you think that you should split your money among various banks?
Are you loyal to a bank? or do you look for the best deals?
What are your thoughts about credit unions? Do you prefer? Avoid? or have no preference?
What type of bank accounts do you have? Cds? Savings? Checking? Interest Checking? Money Market?

What are your thoughts on investing?
Do you have any investments?
How do you feel about the stock market?
What is your investment style?
Do you prefer low risk or high yield?
How do you feel about mutual funds?
What about hedge funds?
What do you think about investing in real-estate?
Would you invest in real-estate for speculation? or as a long term asset?
If you invest in real-estate, how would you do it?
Would you invest in undeveloped land?
What about unincorporated rural areas?
Would you buy houses? or apartments?
If you owned rental properties would you manage them yourself or would you hire a management company?
How would you go about getting things fixed in your rental properties? Would you do it yourself?
Do you think all houses are "temporary investments," or do you prefer to stay in a house once it is yours?

Do you have a mortgage?
Is it upside down?
If you have a mortgage, how many years do you have left on it? How large are the monthly payments?
Do you prefer to pay monthly or bi-weekly?
How do you feel about Adjustable Rate Mortgages?
How do you feel about Interest only loans?
What are your thoughts on Reverse Mortgages? (When the bank pays you for X amount of years and then claims the property when you pass away)
What are your thoughts on Second Mortgages?
How do you feel about Home Equity loans?
Would you use a Home Equity loan for repairs or improvements to your home? Would you use a Home equity loan for things not related to your home?
When does a house become a home?
How do you feel about owning a home verses renting?

1 comment:

Cardine said...

When does a house become a home?!? Whoa, if someone asked me that, I would probably laugh. I would definitely have to hear their opinion, though.

These entries are getting really specific.