Are you looking to BTO soon and you’re worried about how much to spend on your engagement ring? There are important questions that many avoid at this point: what if your engagement doesn’t work out last minute? What if either of you has cold feet at that point in time? You may worry about her breaking your heart (or bank account) last minute… and all that thousands of dollars spent on that engagement ring goes to… waste.

I’ll argue that the majority of personal finance issues can be boiled down to an ability to communicate openly, set boundaries between friendships, relationships and money. If you think about it, how many people you know go bankrupt or land themselves in a bad financial situation because of their ability say no to people around them? Whether it be an important issue such as a guarantor loan to taking up a mortgage that