how to make we are like saving
Posted on Thursday, March 19th, 2009 at 4:38 pmTherefore we feel it necessary to continue to proclaim to all the people especially pairs couple to learn about each other all their finances. We strongly believe that everyone has views on money that is different because the husband or wife grew up in a different environment. Failure to discuss the matter in the money in the family can potentially cause problems.
Many people feel that to discuss family finances. However, according to sparing us, this fact should be discussed. Of this been thinking, what with the financial problems in the family will be sustained finish everything? Or can be a snow ball that hold up? Small problems can become big if not solved, and solved wisely. Therefore, in the case of family financial is needed for a pattern in which each individual in the family (husband and wife) have rights and obligations of each.
With the division of responsibility and a deeper discussion can alleviate problems that may arise in the future.
Here are three types of management that you can select according to your desires with your partner. Of course there are many more patterns of management. Most important thing here is the mutual openness and a family life with the responsibility.
1. Money together and the envelope system
Earnings couple directly coupled together. charity, the combination of both income directly allocated to items of expenditure that has been routine
calculated first. Normally, each represented by a postal envelope. Items of expenditure that, in some families, not only the needs of households
eat drink, and electricity, but it also includes pay home loans, car repayments, telephone, children’s school fees, car insurance and needs (petrol, regular service, damage, and others). Moreover, savings, spending time father-and mother is a holiday so the envelope itself. If there are remaining, put in savings to the husband or wife, or a more special account with the bank for the rest of the envelope every month.
2. Percentage share based
This form of management is to share responsibility in the form of numbers or Percentage. The whole family needs each month is calculated including postal emergency and postal savings. Each contribute to the amount agreed to cover the particular needs. The rest is used as personal savings to personal needs. For example, the wife to buy perfume, lipstick, or dress. Can also be counted without the need of families to
first, the husband-wife contributed Percentage based on the same. For example, 80:20. That is, each deposit 80 percent of salary. The remaining 20 percent saved for themselves. If you can cut corners, along with money from a 80 percent savings can be left for the family, as husband and wife also have their personal savings.
3. Sharing Responsibilities
For example, husbands spend heavily on business, such as a credit to pay the home, car repayments, electricity, phone, school fees of children, needs and car insurance. While the wife is shopping logistics monthly, trinkets home, eat, weekends and holidays, and postal savings. View of the amount, husbands bear more of the funds. But his wife also have a role in the contribution of household funds. If it turns out that his wife has a larger income, of course this can be done otherwise.
Which is the best? This is highly influenced by the habits and of course the agreement between husband and wife. discussed this with each pair, so that the issue of family financial problems make open again in the family.
If the wife does not work, How?
The three examples above is the pattern of allocation of income from the husband and wife. Where husband and wife work and generate income regularly
each month. How well only if the husband or wife working? While other couples living in the house?
When this becomes a pattern in your family finances, would be very good if you and your partner discuss the tasks and responsibilities respectively. Perhaps you, as a husband because of work, which seeks to meet the needs of all families. Meanwhile, his wife who lived in the house responsible in the case of households, from the regular monthly issue of the allocation of savings (from the husband’s income) for the various goals of the family finances. In this case the wife should be as a manager in a company.
With share responsibility, the husband no longer felt more than his wife. Because the two individuals in the family has responsibilities of each. For that is the scrutiny and discussion of financial performance is required.
Three important issues in managing finances with:
First, the division of labor is needed in terms of managing finances. Example in short, all who pay the daily needs of households. Suppose you, as a wife should pay the husband in this case the transfer of funds should be sufficient for each month meet all financial needs of families.
If you decide to one person to pay for all monthly charges and the family should be important is honesty. Where both of you to be open with each other regarding the problems with money. Do not till when you use a bank account together and take funds from you in large numbers and did not say to your partner. So you need a pair for the very important fact that the available funds were insufficient.
Second, the expenditure that is agreed to be vital. You both must come to terms in the plan expenditure. This is usually related to the expenditure that is not fixed, eg the decision to replace with a new car after a few years? Or what you think about dealing with both of the holidays? As a conclusion, you should discuss and discuss the needs that must be fulfilled, what is the desire to be together and what you can meet.
Third, the last thing that becomes very important to save money. In this vision of the future becomes very important. where the goal is you and your set, will provide motivation and selection strategies that can help you achieve the goals of the future. With
so you will also see the importance of the allocation of funds at this time and also started at this time.