Family budget: from the economy to wealth
- Family budget: from the economy to wealth
When the pair only met, everyone expects their finances.But now people are starting to live together, and one of the most difficult problems is budgeting.Plan the family budget is not so simple: because such planning should be as efficient as possible and to meet the needs of all family members.
What is the family budget
family budget - is more than a list of income and expenses.It is no secret that the financial dispute - one of the most frequent causes of divorce.People can not agree on how to make money and how to spend money.And the inability to find a compromise solution leads to the fact that a loving couple splits.
Parting can be avoided if before beginning to consider the future of marriage and the family budget come to a solution that satisfies both sides.So, you need to discuss in advance whether a budget joint, shared or separate;who is responsible for finance;as a couple will come if income or expenses change increase.
jointly or separately?
joint budget is the most common.The essence of this method of distribution of money is that all income of spouses are added together, the pair together to decide how the money will be spent within a certain time (usually - one calendar month).This way of doing the budget allows the couple to feel the unity: the two equal partners together to plan all expenses.The income may be different, but the money is still being spent together.For example, this happens when the wife devotes his time to care for a child, and her husband has all the family.
If the budget together, the couple can be hard to give each other gifts.In addition, if one partner is different extravagance and another stingy, are inevitable in a family quarrel because of the money.
equity or co-separate budget is also quite common.In such a family, the couple put in a common fund only part of the money, while the remaining income they spend on your own.From the "general" of money paid, for example, utility bills and food, and to "own" the money the couple can have fun, make each other gifts or organize some surprises.
Equity budget is very convenient, if the spouses have approximately the same level of income, otherwise the possibility of serious disagreements.Many also believe that the budget assumes a shared distrust of the spouse.
Separate budget - the choice of independent people.This method of distribution of family assets is small enough common, because if people live together, they will almost certainly any joint expenses.But mostly separate budget assumes an independent software of its own needs.If one of the spouses of their available funds run out, he can borrow money from a partner and be sure to repay the loan within the specified period.
Separate budget allows spouses to full independence from each other and significantly reduces the likelihood of conflict over money.But the proximity of a pair of separate budget suffers too - there is no feeling of one family, one team, there is no common financial problems, there is no overall financial goals.
Who is responsible for the money
Another important question: who in the family is responsible for financial matters.Despite the fact that most people dream of a democratic peer relationships, in practice, only one member of the family has the right to vote.As a rule, a person who earns more, but possible options.For example, the final word can be the one who is better versed in the needs of the family, and better able to assess the need of certain expenses.
If finances wholly owns only one spouse, his partner may feel uncomfortable: he had to literally beg for money to meet some of their needs, and to give a detailed report on their spending.Yet this method of financial management can be useful in some situations, for example if one of the pair - spender or does not know how to manage money.In any case, from the "chief accountant" in the family requires tact: you should not revel in their power over the partner and his dependents.
much more convenient option when the spouses jointly make decisions about any major expenditure, but everyone is entitled to a casting vote in the area that is closest to it.For example, the wife is responsible for cooking, planning costs for the products, and a husband who understands construction, calculates how much the repair will cost.It is better to pre-define the amount of expenses that need to be discussed with a partner to further quarrels arose on this occasion.
How to budget
Many couples are faced with a situation that money somewhere mysteriously go, although no major purchases is not made.Fixing all the revenue and expenditure reveals the "black holes" in the budget, which goes completely unnoticed large sums.As a rule, the results of research are unexpected: a lot of money is spent on small things, without which it is possible to do.Sometimes it is enough to give up these little things to find the money for a large purchase and necessary.
preferred to keep a record of expenses by using special accounting software designed for home use.These programs allow you to draw graphs and charts, so the picture becomes clearer.Usually quite a few months to write down all your income and expenses to see on what can and should be saved, and what better to allocate more money for planning costs for the next month.It is better if these decisions based on a thorough analysis will be taken jointly by the family council.