LOOKING AT YOUR ASSETS WHEN CREATING A FAMILY

This may be a less expensive option than purchasing and maintaining automobiles, but it’s simply not available for many couples. If public transportation isn’t an option in your situation, will you need two cars, or can you get by with one? Remember: Being able to afford two cars isn’t the same as needing two cars. As part of your discussions about transportation, you’ll want to explore which part of your local travel needs can be met by public transportation, car pooling, and any transportation resources that your employer or employers may offer.

Although you may not be ready to answer this question in detail (that is, how many children you want and when they might come along to be left for future marital discussions) it’s still wise to factor in the concept of financial planning for a family. Your dreams of raising a family in the future can be a key determinant in how you structure your spending today.

If you have young children or aging parents, you may not view a second job as an option. In this case, you're making family a priority and accepting the possibility of a slightly longer repayment period. The debts aren't going anywhere, but the people are, so this is a good choice. Getting out of debt is about making your life better, not worse.

In evaluating the resources and assets you have for getting yourself out of debt, consider not only your income but also any capital available, including savings, investments, and property. This exercise has two steps:

1. Calculate your monthly income. You'll use this fgure later to work out your budget. Because income can change over time, the wisest approach is simply to figure out what you're taking in at the present time.

2. Determine any additional funds that maybe available to you. If you need to make dramatic changes in your debt profile, also consider potential sources of money.

Set up your calculations as in the following worksheet, with the various real or potential sources of funds separated for your budgeting purposes.

For example, if your plans for the next few years include starting a family, you may want to abstain from such major purchases as an expensive home, knowing that you’ll need a sizable portion of your budget for raising your children. Remember, too, that starting a family can affect your budget on the revenue side as well. During your child’s first few years, is one of you likely to put your career on hold to stay at home? If that’s the case, your income and the ability to undertake major purchases could be dramatically reduced. We’ll cover financial planning for family needs in much greater detail later.

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