Marriage is a beginning of a long journey of family life. During the adult years before entering the marriage mahligai, you manage and budget money generated each month with your way. Entering the stage of marriage, all must change where you have to share everything with your partner.
Sharing in a marriage is a lot of ideas that we hear. From the need to play golf until body treatments, all the necessary requirements you both must be met from a fund that suddenly appeared and called "money together."
Combining the two financial means compromise. The point is to promote the wishes and needs of others than with their own desires. This requires negotiation and is very mature thinking. There will never be individuals who resemble one another in their view and look at the financial problems.
Every individual has a background and perspective about money berbeda.mencoba to understand each other and fill in family life will help you a lot financially. Polar people first and money.
Illustration Issues
We had been married less than five years ago and in my opinion, we never talk or dialogue directly about money. Initially all matters relating to finance is very easy. Each work and to meet the everyday needs vary. Let's say, from my income every month, I have to budget for daily necessities of food, tel., Dry cleaned and others. Meanwhile, Andi, my husband in this case to pay our mortgage every month, insurance and some other things.
At the beginning of this journey of family life, I feel that there never was any problems or difficulties with respect to finance. At that time, Andi, my husband, paid more than me.
But over time, expenditure of daily meals to take care of the house is always growing. The more days the prices of basic commodities more expensive. The longer the need to care for the house became very large. Therefore I hope that Andi income to allocate a portion of this expenditure.
Each of us have different savings. And we do not have a joint savings. Some time ago, arises with our financial problems.
The first problem is with the investment that we made together (Mutual Funds). In this case I always try to put aside each month from the income that I can. While it is not how big each month than the investment made by my husband.
During the roughly five years of our money to grow and I feel happy that our joint investment is quite successful. But what my husband said Brenda, the majority of existing investment is now hers. Once again his. Not belong together.
The second problem that arises is when we're eager to have momongan. Besides financial problems, something else is very good in which we both really wanted children. We need treatment khsusunya me in the process of pregnancy.
I use my credit card to pay for such treatment. Once my son was born, we are very excited, because we are endowed with a male child of healthy and funny. But at the moment I expect in terms of financial assistance with my credit card debt for treatment, Andi even say that I need to finish themselves. Coupled with his decision to have another mutual fund investment with only a name. This all makes me fed up and hurt. Although in financial terms we look sufficient, but on the other hand I like living alone meet all my needs and my child.
The above example is an illustration that might be a lesson to you young couples to manage and organize your finances together. In the discussion this time we want to share insights and strategies that you can do in regards to organize your family's financial division.
Money, the Joint Decision
You can use various formulas to make your family finances are harmonious, but sometimes it does not run long. Life is not a mathematical certainty. In terms of money, all agree that money is as a medium of exchange, but everyone has a different financial perspective.
Many times young couples to say "I love you very much." But they sometimes forget or ignore the problem of money. Like the example above, although the couple Andi and Dita have been married for five years still do not discuss their financial problems. Money is sometimes a very difficult thing to discuss. But you must remember, that same perception as it navigates the financial imperative of family life. Do not get used to finance a safe and harmonious relationship to fall apart.
Work together on family finances must be done. When you and your spouse work, then you combine the two into one and two revenue expenditure to be one too. Both of these require planning or division of a wise and fair. It could be you and your spouse set it up with only one income. Suppose your husband produce larger revenue that is used for everyday needs. While you of your income can allocate all your income for future investment purposes. In this case it is not clear boundaries between my money, you or us. All the money generated is shared. All of these are the goals that you and your spouse set together.
Talking about your finances and your partner will assist you in allocating funds for future purposes.
Or you can specify that one of the two of you should stay at home. All of this could be an option in family finances. Such decisions require a more thorough planning with income from only one person, so badly needed good protection planning and wise spending arrangements. Distinguishing between wants and needs to be clarified. Maybe there is a saying that you are ancient.
Let, a decision that you and your spouse is taking a sensible decision and to the ideals of harmony in life, both financial maupu emotions.
Four That Important
The division of labor is needed in terms of finances. Examples in short, anyone who pays all the daily needs of the household. Suppose that you as a wife who should pay the husband in this case need to transfer sufficient funds each month to meet all financial needs of families.
If you decide to delegate one person to pay all the bills bulana family so the important thing to note is honesty. You both should be open with each other regarding the issue of money. Do not get when you use the joint account and one of you take the funds in large quantities and does not tell you pasagan. Once your partner need to something very important was not sufficient funds available.
Expenditure to be very important. You both need to agree a spending plan. This is related to the expenditures that are not fixed, suppose the decision to replace it with a new car after how long? Or what you both think about the holidays? In conclusion, you should discuss and agree on the need to be fulfilled, what is the common desire and what you can deliver.
The last thing that becomes very important is saving money. In this vision of the future becomes very important. With the goal you and your partner will provide motivation and specify selection strategies that can help you achieve your future goals owned. That way you will also see the importance of allocating funds currently and starting right now.
"Starting Point"
At the end of the reviews this time we will give you a few questions that may arise and hopefully can give input and new perspective in viewing the family finances.
Do I need a deposit with our names (husband, wife)?
Remember the illustration above, Andi and Dita, although each of them has a very good financial, but in the arrangement and alignment between them is very less. It's a good idea if you have a deposit with both names. That way each of the married couple can divide sebaian monthly income for the family's needs thoroughly.
In our opinion still have accounts or deposits with their own name. So if you need something for your own needs, you can retrieve it from his own savings.
It should be stored together. But how big should each of the couples included in these savings each month?
In this case, all quite dependent on the discussions and decisions that you specify. For example you can split them in proportion to their respective pendatapan. Suppose, Andi income of Rp 10 million / month and Dita Rp 5 million. They agreed to share the average expenditure on daily needs.
The initial steps you can do is to calculate the amount of daily expenses for a month for family needs. Suppose you and your family after it calculated the cost per month for Rp.7 million. To divide the flat part of each sesuia with their respective income then you should count with the presentation.
First you have to do is add up the total income alone. Total family income per month Rp.15 million. Then the total expenditure divided by total revenue (USD 7 juta/15 million) yields 46.67 percent. With these results it, Andi placing 46.67 percent of his income, as well as with Dita. So Andi put Rp 4,667,000, while Dita puts USD 2,333,500. In this way, each of Andi and Dita placed funds with the same portion in accordance with their respective income.
How if the income is very small compared with the wife's husband. Whether the wife can only use their income to their own needs?
All this is quite dependent on the kesepatan you and your spouse. If that's the decision you both do it. But in our opinion, preferably although far smaller income than wives with husbands, wives still put a small portion of their income every month. Why?
Because then you as the wife still has the same part in the life of the family finances. So you feel that you take part in family financial planning and take a decision in this regard
Sharing in a marriage is a lot of ideas that we hear. From the need to play golf until body treatments, all the necessary requirements you both must be met from a fund that suddenly appeared and called "money together."
Combining the two financial means compromise. The point is to promote the wishes and needs of others than with their own desires. This requires negotiation and is very mature thinking. There will never be individuals who resemble one another in their view and look at the financial problems.
Every individual has a background and perspective about money berbeda.mencoba to understand each other and fill in family life will help you a lot financially. Polar people first and money.
We had been married less than five years ago and in my opinion, we never talk or dialogue directly about money. Initially all matters relating to finance is very easy. Each work and to meet the everyday needs vary. Let's say, from my income every month, I have to budget for daily necessities of food, tel., Dry cleaned and others. Meanwhile, Andi, my husband in this case to pay our mortgage every month, insurance and some other things.
At the beginning of this journey of family life, I feel that there never was any problems or difficulties with respect to finance. At that time, Andi, my husband, paid more than me.
But over time, expenditure of daily meals to take care of the house is always growing. The more days the prices of basic commodities more expensive. The longer the need to care for the house became very large. Therefore I hope that Andi income to allocate a portion of this expenditure.
Each of us have different savings. And we do not have a joint savings. Some time ago, arises with our financial problems.
The first problem is with the investment that we made together (Mutual Funds). In this case I always try to put aside each month from the income that I can. While it is not how big each month than the investment made by my husband.
During the roughly five years of our money to grow and I feel happy that our joint investment is quite successful. But what my husband said Brenda, the majority of existing investment is now hers. Once again his. Not belong together.
The second problem that arises is when we're eager to have momongan. Besides financial problems, something else is very good in which we both really wanted children. We need treatment khsusunya me in the process of pregnancy.
I use my credit card to pay for such treatment. Once my son was born, we are very excited, because we are endowed with a male child of healthy and funny. But at the moment I expect in terms of financial assistance with my credit card debt for treatment, Andi even say that I need to finish themselves. Coupled with his decision to have another mutual fund investment with only a name. This all makes me fed up and hurt. Although in financial terms we look sufficient, but on the other hand I like living alone meet all my needs and my child.
The above example is an illustration that might be a lesson to you young couples to manage and organize your finances together. In the discussion this time we want to share insights and strategies that you can do in regards to organize your family's financial division.
Money, the Joint Decision
You can use various formulas to make your family finances are harmonious, but sometimes it does not run long. Life is not a mathematical certainty. In terms of money, all agree that money is as a medium of exchange, but everyone has a different financial perspective.
Many times young couples to say "I love you very much." But they sometimes forget or ignore the problem of money. Like the example above, although the couple Andi and Dita have been married for five years still do not discuss their financial problems. Money is sometimes a very difficult thing to discuss. But you must remember, that same perception as it navigates the financial imperative of family life. Do not get used to finance a safe and harmonious relationship to fall apart.
Work together on family finances must be done. When you and your spouse work, then you combine the two into one and two revenue expenditure to be one too. Both of these require planning or division of a wise and fair. It could be you and your spouse set it up with only one income. Suppose your husband produce larger revenue that is used for everyday needs. While you of your income can allocate all your income for future investment purposes. In this case it is not clear boundaries between my money, you or us. All the money generated is shared. All of these are the goals that you and your spouse set together.
Talking about your finances and your partner will assist you in allocating funds for future purposes.
Or you can specify that one of the two of you should stay at home. All of this could be an option in family finances. Such decisions require a more thorough planning with income from only one person, so badly needed good protection planning and wise spending arrangements. Distinguishing between wants and needs to be clarified. Maybe there is a saying that you are ancient.
Let, a decision that you and your spouse is taking a sensible decision and to the ideals of harmony in life, both financial maupu emotions.
Four That Important
The division of labor is needed in terms of finances. Examples in short, anyone who pays all the daily needs of the household. Suppose that you as a wife who should pay the husband in this case need to transfer sufficient funds each month to meet all financial needs of families.
If you decide to delegate one person to pay all the bills bulana family so the important thing to note is honesty. You both should be open with each other regarding the issue of money. Do not get when you use the joint account and one of you take the funds in large quantities and does not tell you pasagan. Once your partner need to something very important was not sufficient funds available.
Expenditure to be very important. You both need to agree a spending plan. This is related to the expenditures that are not fixed, suppose the decision to replace it with a new car after how long? Or what you both think about the holidays? In conclusion, you should discuss and agree on the need to be fulfilled, what is the common desire and what you can deliver.
The last thing that becomes very important is saving money. In this vision of the future becomes very important. With the goal you and your partner will provide motivation and specify selection strategies that can help you achieve your future goals owned. That way you will also see the importance of allocating funds currently and starting right now.
"Starting Point"
At the end of the reviews this time we will give you a few questions that may arise and hopefully can give input and new perspective in viewing the family finances.
Do I need a deposit with our names (husband, wife)?
Remember the illustration above, Andi and Dita, although each of them has a very good financial, but in the arrangement and alignment between them is very less. It's a good idea if you have a deposit with both names. That way each of the married couple can divide sebaian monthly income for the family's needs thoroughly.
In our opinion still have accounts or deposits with their own name. So if you need something for your own needs, you can retrieve it from his own savings.
It should be stored together. But how big should each of the couples included in these savings each month?
In this case, all quite dependent on the discussions and decisions that you specify. For example you can split them in proportion to their respective pendatapan. Suppose, Andi income of Rp 10 million / month and Dita Rp 5 million. They agreed to share the average expenditure on daily needs.
The initial steps you can do is to calculate the amount of daily expenses for a month for family needs. Suppose you and your family after it calculated the cost per month for Rp.7 million. To divide the flat part of each sesuia with their respective income then you should count with the presentation.
First you have to do is add up the total income alone. Total family income per month Rp.15 million. Then the total expenditure divided by total revenue (USD 7 juta/15 million) yields 46.67 percent. With these results it, Andi placing 46.67 percent of his income, as well as with Dita. So Andi put Rp 4,667,000, while Dita puts USD 2,333,500. In this way, each of Andi and Dita placed funds with the same portion in accordance with their respective income.
How if the income is very small compared with the wife's husband. Whether the wife can only use their income to their own needs?
All this is quite dependent on the kesepatan you and your spouse. If that's the decision you both do it. But in our opinion, preferably although far smaller income than wives with husbands, wives still put a small portion of their income every month. Why?
Because then you as the wife still has the same part in the life of the family finances. So you feel that you take part in family financial planning and take a decision in this regard
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