Financial Management in Marriage - Part 1
author of this article is Peter Pogodziński
Who should manage the finances in a marriage. Does it have to be the head of the family? Can the family breadwinner? A woman may, however, should decide on the domestic box office?
Is there a way to manage a harmonious and friendly household budget?
known proverb: "If you do not know what's going on, it is about money 'continues to be the most up to date. How many are hearing about marital quarrels about money and most of their absence or foolish spending. It often happens in marriages, that a person who is dominant, head of the family decide on all kinds of expenses for life if he takes a very serious financial investment. This happens so often in relationships, in which only one person works and is then the sole breadwinner.
This happens when the principle: I have been working and earning - I decide on what I spend. The other party in this situation turns out to passivity, as it often feels the worse side of a compound that does not have his money.
is to consider whether that in determining the division of household finances, the family may negatively reflect on the relationship partner in marriage? Perhaps at the beginning of the relationship is hardly noticeable, but over the years, this situation certainly creates many conflicts between the spouses.
I think an interesting solution would be the breakdown of certain expenses between the spouses and then automatically the responsibility for planning for their reasonable expenses would be allocated plots on both sides.
For example, one of them deals with the expenditure on grocery items and industry that is the proverbial shopping every day. While the second one of the people involved in housing fees, media and possible repayment of loans. You
yet able to identify some of the top of the indicative amounts for each expenditure group. Being in a marriage or a common connection may be there already after several months of joint management to determine approximately the size of your monthly expenses.
ideal solution would be, in this case a situation in which both spouses work. Then everyone is somehow "financially independent" from other person. Though not really my point here is that everyone live on their own, because the cash should be shared. However, if both are working and have each of you your income is to better psychological well-being is the best possible situation.
suggest, however, you, Dear Reader - even when you're the sole breadwinner of his family - let's take over half of household expenses and for their management to take full responsibility. It will be a double benefit for you. First, a person will need to have all the expenditure on the head and yourself to decide, and their implementation. Secondly, as mentioned earlier will be better for both psychological well-being that it was time to decide the issue of reasonable pieniążków .
I also believe that we might discuss and determine what expenses do you prefer and what your other half. Each of us feels much better in something worse. It is important to be chosen for each expenditure group that they were not forced to us. A good combination is certainly making payments and keep track of credits, because it entails the implementation of the installments paid invoices and credits. This should address the person who certainly will ensure timely payments in order not to cause unnecessary interest for late payment. Because if the other person responsible for grocery shopping and industrial products today have forgotten to buy matches or salt, then the world will not collapse, just do it tomorrow.
I think they have a joint bank account may also lead to some confusion. You ask why? Well, such situations may arise in which both accuse each other will be where the back part of the money disappeared from the account and what was przetrwoniona. A good solution might be to have two personal accounts at the same bank. For example, the husband works and receives a monthly payment of your account, by prior arrangement with his wife provide an internal transfer a fixed amount of monthly purchases (food). Among the bank offers you really find free personal accounts in great condition. At the time of transfer does not care about her husband's no longer the case finance everyday purchases. He pleased with the dropped part of his duties, it's happy because it has the money and decide on their reasonable issue. He
itself, for example, deals with the fees and housing loans. Obviously holds in reserve a certain proportion of the money for his wife, because as you know, there are often unexpected expenses such as a disease of children and then spending a clear increase in the month.
Larger purchases such equipment TV, furniture, etc. Of course you do together, before putting them in planning and for this purpose whenever possible make some money.
It is also obvious that a woman in a relationship may be the family breadwinner. And please, if my good lady reading this publication, you are not angry at me because I had to downplay the role of women in the compound. I just described how to lead a healthy and friendly household finances. I gave the example of most marriages, where the host is a man, or they both work. At this point I wanted to present the mere fact of division and disposition of the common money, spouses, regardless of who earns and how much earning.
a few days the second part of the topic.
My other articles:
male role in marriage Part 3
male role in marriage vol.2
role of men in marriage, part 1
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PatBank.pl - banks bank What are the common steps to get out of debt? Here are some of them might not all necessary, but some of them certainly may be crucial, for some. first Eliminate credit cards. This is the topic of much discussion, but just eliminating your credit card helps people regain financial stability. Although the same credit card there is nothing wrong, and make life easier, and you can even earn money through them, for many are tempted to spend money, which he does not have. Rule number one: if you want to get rid of debt - stop to create them. second Eliminate unnecessary expenses. By redundant we mean 'no need' to live. Digital TV package? Eating in restaurants? Cinema? Alcohol? Cigarettes? Live up sparingly. It's a bit extreme advice, but hey! Yet, being in debt you are in an extreme situation. third Plan expenditure. It's easy! Calculate how much you earn each month and try to gauge how much and what you spend. You have to decide on what your money will be spent before you spend it! 4th Build a budget for security. It is a simple reason for holding the security budget - without it, your current finances are at risk of sudden expenses caused unexpected situations. Repair your car? A visit to the doctor? Without a security fund, overlay these expenses or the money they had earmarked for repayment of debt, or simply increase your debt. In both cases you take a step back towards the exit from the debt.
5th Create a payment plan. The plans make it easy to do anything. Your plan may include repaying such debts from smallest to largest - in order to quickly gain a sense of satisfaction and the results 'release' of money (which had previously been earmarked to repay a small debt) so that You can pay higher amounts greater debt. On the other hand, financially wise, seems to be paying back, as the first, with the highest interest rate debts. However, if the difference in interest rates is small, the emotional reasons why we use just the method of "snowball".
6th Repaying debt expense as the first month. First payment of the debt, then the deposit to savings and spending the rest later. When the order is reversed, it may be that at the end of the month you do not have money to pay installment debt. 8th Earn more. In addition to reducing spending, focus on increasing revenue. Always look for ways to follow their dreams with passion Call it ... of earning.
article was based on zenhabits.net
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Peel direction. Direction-> Success
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is very clear, because he and his wife are working. Both therefore have a monthly income. The wife receives the coins in hand of the employer, which receives money to two days earlier than mine, which at that time "wandering" on your bank account.
Our division decide to have earned money and came up by itself, and quite by accident. However, in retrospect, I think the division is at least good - for us, of course, as the reader may have a completely different opinion.
My wife with her salary running around the house. What is meant by "running around the house?" That is enough to finance all the smaller, everyday purchases. At home dwójce kilkulatków amount of these purchases is very large and frequent. There is every need to spend money and purchase this from us everyday. It just so happens that I do not really like to make these purchases, so it took my wife, because she, in turn, the more he likes to jog around the shops.
My role in relation to financial, is keeping deadlines and implementation of all charges and credits that with us there. To this my wife will not touch. In this respect, fate smiled on me back in 2002, when the bank where I have personal accounts introduced electronic banking. Since then, I realize all the charges through electronic transfers. This is a great solution for me, because in this way, I have a lot more time for children and wives. Once a month after receiving their salary to collect your invoices to a computer and sit down after 15 minutes I have done all the charges.
. As for major purchases such installations in the home it looks like with us follows: Sit yourself the evening with good conversation winku and take every earmark a certain amount saved. Shedding a password which would be nice and discuss whether there is surely needed at this time if there is something more important, what should be buy in the first place. This conversation always ends with a joint decision to purchase. Because I have a bank account, so after taking a charge, if any money will be pouring them into a savings account. From a grain to grain, and after a few months is always Sumka, you can invest in a well thought out and planned purchase. Savings account rather fashionable lately is similar to the deposit with the advantage that at any time, you can withdraw money without losing interest already earned. Of course, for Wives always put aside a certain amount in reserve, because Its finances if you suddenly come to an end due to increased spending must be covered.
For me comfort is that the fridge is never empty, for her mental protection, as always, in the absence of cash I am able to financially support her and that is not interested in her charge. Comfortable for both of us is the fact that while we decide on the basis of certain expenses, and so the amount we create a certain unity in the conduct
household budget.
And most importantly, that such a division of roles arose in itself, without compulsion, and is responsible for both one or the other side.
MY OTHER ARTICLES:
male role in marriage Vol.4
role of men in marriage, part 3
role of men in marriage vol.2
role of men in marriage, part 1
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