Happy without a marriage certificate? You should still secure yourself financially

If you are not married but live in a partnership, you should arrange a few things financially - especially if children are involved.

Many couples these days make a conscious decision not to get married for a variety of reasons.

Be it because

again, a

or the concept of tying the knot is simply outdated and no longer fits today.

Whatever the reason – if you live in a long-term partnership, and especially if you

together, you should regulate your

, for example with the help of a

.

Unmarried: no statutory asset equalization after a separation

While

,

can face financial ruin after a separation, as a report by

shows.

It also states that when unmarried couples live together, there are

claims and, in the event of a separation – in contrast to a divorce –

equalization.

Financial security in a partnership is particularly important if you work part-time

Especially people who

, for example to be able to

, are financially worse off after the end of a relationship.

These are often

, which is why two out of three women want to invest more money in 2022.

The female gender is often financially disadvantaged

anyway due to the

That is why financial security is all the more important in a partnership without a marriage certificate.

Partnership contract for unmarried people: regulate your finances and secure your assets

In order not to face the financial end of a relationship and to minimize disputes, it is advisable for unmarried people to conclude a partnership agreement.

According to the report, such a partnership agreement contains provisions on the

the division of assets and

as well as

for gifts in the event of separation.

In addition, questions of inheritance

can be clarified in a partnership agreement and

granted .

• Decide who should get which

  joint purchases

  , such as expensive electronics or vehicles, if you split up.

  Many are now also deciding to invest their money in tangible assets such as art in order to save it from inflation.

• Write down how

  jointly incurred debts

  should be dealt with in the event of a separation.

  Joint savings should also be regulated.

  Here you can find out how much of your net income you should put aside each month.

• Agree on

  maintenance payments

  if, for example, a partner is busy looking after the children and therefore does not work at all or only works part-time.

  In general, it makes sense to get an overview of parental allowance

• Individual agreements

  : If necessary, regulate the

  right

  of access for joint children, who gets the beloved

  pet

  , what happens to the jointly acquired property, who can

  stay in the

  rented apartment and who has to move out?

According to the Stiftung Warentest report, it can also be specified in the partnership contract who has to bear

.

Some settlements can set couples without a

.

According to the report, a notary is only necessary if the partnership agreement is about a donation or contains the obligation to transfer a property or residential property.