Decision making is very crucial in a marriage. 

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Both partners must be prepared to take part in decision making. 

Two heads are better than one hence it is good to involve your partner is crucial matters concerning the family. 

The decisions you are going to make will change your life forever. 

Here are three critical decisions to make in your first year of marriage:

1. Organise your finances 

You must deal with money matters in your first year of marriage. 

Put in place all the measures to ensure you have enough money to pay your bills. 

Find ways to generate extra income for the family. 

If you’re both working, then you can consider a joint account to save more money for your family.

2. Pay off student loans

If you have not settled your HELB loan, make sure you start doing so immediately. 

Most people forget repaying their loans even after landing jobs. 

Remember failure to repay your loan could land you in trouble when you want to borrow from any lender. 

Make sure you have fully settled the loans before embarking on other projects in your marriage.

3. Learn to budget together

Do not budget as an individual. 

It is recommended to involve your partner in budgeting. 

Let them participate in the process. 

Budgeting together creates more understanding in your marriage. 

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