In an article in the Guardian magazine, the author Olivia Gordon listed the financial management methods of 10 couple. A couple, they have the same bank account and share all the property; When the other pair does not stipulate spending money, either party will pay; And one of the couples spends money when they come out, because his other half is still studying for a doctorate and doesn't take part in work. It really depends on your personal situation and habits.
But one thing must be clear, that is, you must discuss finance with your other half, so that both sides can understand each other's position and will not make mistakes or bring misunderstandings in this regard. Business Insider magazine also reminds readers that the most serious mistakes made by partners in financial management include not agreeing where to pay the bill and not taking credit and debt seriously.
Financial management is a problem worthy of attention. The following suggestions can make it easy for you to deal with financial problems in your interactions.
1. Fair consumption
Is it usually AA when dating, or do you often pay the bill? If your income is equal and your consumption level is equal, then AA system is more reasonable; If one party earns much more than the other, it may be a good thing for both parties to discuss consumption frankly and reach an understanding.
If you live together and have equal income, you can share all the living expenses equally; If one party has a higher income and can negotiate, then this party can share it more reasonably. The so-called unfairness means that one party spends a lot of money, but turns a blind eye to the other party's lack of consumption. Another plan is to combine all income into one and share basic living expenses and pocket money fairly.
2. The simpler the better
Make the simplest and most effective financial plan. You may find it troublesome to spend half your money on anything. Why don't we open a bank account together and deduct the same money? This will split the cost and save money. However, don't complicate this document, otherwise it will easily lead to disputes, and even the two sides will fight because of the shortage of funds.
3. Ensure the budgets of both parties.
If you share the benefits equally, you must understand that you are in the same boat. If one of them doesn't know the correct budget, things will go wrong. Either you or your partner is out of balance and needs to borrow money to pay daily expenses every month, so both sides must actively negotiate. Two people must sit down and discuss how to reduce expenses and how to maintain the budget of both sides or one side, because it is better than going bankrupt completely or feeling that the telephone bill shared by both sides is unfair.
If you share the income, you can try to distribute the allowance.
If you share your income, it's a good idea to distribute your allowance. Actually, my partner and I are the same. We put all the income into the deduction account, and then we give allowances every week to do what we like. It may be ridiculous to say that you get the same allowance as a public official, but it really helps to ease the dispute about which side will share more expenses. Because the two sides have different views on whether it is worthwhile to buy expensive things and what is "necessities".
Save money in an emergency
As a young man who has just entered the society and has not yet gained a foothold in the workplace, you may feel crazy to let you save some poor money. However, in a relationship, with responsibility, you are not the only one who pays the price. For example, the cost of repairing a car, being a veterinarian for a dog, or tickets for a relative's wedding all need money, and many aspects of your relationship need to save money. Therefore, it is necessary to make a good savings plan to prevent some unexpected joint expenditures.
6. Be careful of the cost of eating out.
Going out to eat with your partner or friends is a pleasure; When you get up too late, take-away lunch may be a good life-saving straw. However, Americans spend an average of $65,438+$0,000 on eating out at noon every year. Maybe it's time to consider bringing home-cooked food to work. You and your partner may spend $2,000 a year on lunch outside, which seems crazy to me. So take your homemade lunch and spend your money on better things.
7. save some money for a date
Whether dating for a month or ten years, dating is very important for a relationship, so it is meaningful to save money and do something interesting with your partner. Of course, you can spend money on your hobbies or things you really want to buy, but they should save at least 20 yuan a week for dating. Don't make dating boring or even painful just because both of them are broke.