Mutual Understanding Money Problem

According to a study in 2009, 30 percent of the couple must fight for money, at least once a week and ended in divorce. Avoid conflict with 11 steps.

Still believe that the term "Your money, my money. My money, money "would solve the problem of money in the household? In modern times, it's the principle was outdated. But, as the wife is entitled given a living, you also do not want to bear all the burden of expenditure. Yes, dividing responsibilities so that all the aggrieved party no problems stemming from the financial arrangement. Before the crack of households slowly, try to apply these 11 agreements:

Never There Secrets

Money is the trigger of the most frequent problems arise in marriage. However, it does not mean it is taboo to talk about you and your partner. Do not even feel scared or uncomfortable discussing the background and financial problems to the couple. For example, credit card debt, huge salaries, other personal property you have, the needs of a large family that is charged to you (sister school fees or treatment of a parent), as well as your bad attitudes and habits while shopping.

Bring Principle

Husband and wife are two different people who have different habits and understanding in this regard as well. Therefore, it is very important for them to equate the views of each other (principles) of financial. For example, you're the type of people who are maintaining financial security, which is already set up the need for the next three months from now, while the partner has a type of 'look, like, and buy'.

Thing to do is make a deal about what can and can not be met after marriage (in financial terms). If necessary, write down in detail. For example, the target and how to achieve it. Call it, the roads out of the country within five years, have their own homes before the age of 35 years, and others.

Distribution Expenses

Usually this is done if both are working. First, the immediate task for anyone who would pay monthly to daily necessities. Secondly, who pays other purposes such as mortgage and car, children's education, health, holidays, deposits and large families (do not forget, so that each one leaving little income for personal needs).

The size of the percentage of the financial division is not necessarily the same (husband and wife 50-50), it could be 70-30, 100-0, or the like. Adhere to the above agreement with full commitment. Do not be until later in life there is one of the couples who say, "My money, my money. Your money, your money ', as if already married there is only "our money". If the husband's salary is less than the wives, husbands and wives do not need to worry do not need arrogant.

Create a Budget

Create a household budget and a detailed one by one of the very important that that was not too important. Do not forget to include the burden of debt that is owned before marriage.

Usually, anyway, the budget is divided into two parts, namely fixed expenses (rent, car payments, insurance premiums, regular monthly savings) and the expenses are not fixed that is more flexible, (the cost of electricity, water, telephone bills, monthly transportation, food , as well as other purchases). Better to write down every expenditure is in written form, so you can perform the next steps with her husband.

Evaluation Expenditure

Each end of the month, try to always keep track of spending the previous month to find out where your salary in the month that made allot of data collection. After that, evaluate whether there is waste and find out quickly how to avoid it. To make it easier to track expenses, keep all receipts or invoices and payments made by mobile (internet, mobile phones). Also do not be lazy to record every transaction you make.

Who Control the Money?

Choose one of you, your husband or wife, in charge of holding money. Not necessarily always the wife, husband, if indeed he should also be better able to manage finances. But anyone who became treasurer of the family, try to remain open with other family members (husband and wife are entitled to know the account information, password, and the due date) in order to remind each other and anticipate.

Wedding Debt

If one spouse has debts before marriage, about whether the debt will be settled together or alone (charged on the debt) and make an agreement before marriage in order not to be a problem in the future.

Wedding Treasure

The resulting property before they married, the absolute property of each individual, while the wealth generated in the marriage belong to both (although the wife's income was larger).

Emergency Planning

There is nothing wrong for couples to save money unexpected (especially for those who do not have accident insurance or health insurance). Indeed, hell, no one who wished harm themselves or their partners, but it is important to anticipate things that are not desired.

These funds can also use when husbands were laid off. Try these funds are able to cover needs for one year. The numbers could be even greater if the child already has. Remember, this emergency fund must!

Investment

If you have the opportunity to invest (buy gold, stocks, or land), do it. But first, discuss with your partner and do the review first the extent to which the investment is profitable in the future. Do not until you actually lose money.

Find Other Income Sources

Everyone has a creative side of each and if creativity could make money who can resist. Especially if the second job that can help your finances. Just do not arrive, your main job as an employee so disturbed.