Money is often the cause of the divorce. Disputes about financial can happen when money abundance or when lack of money. Indonesian people feel uncomfortable having to discuss financial problems within the family. Therefore, we feel the need to continue to appeal to all circles of society, especially married couples to learn each other openly about their own finances. We strongly believe that everyone has different views on different currencies because the husband or wife was raised in different environments. Failures in talking about money in the family potentially cause problems.
Many people feel that talking about finance in the family is taboo. However, in our opinion, this fact should be discussed. These circles ever think, Is to let the financial issues in family-soluble belarut will solve everything? Or it could be a growing snowball? Small problems can become big if not addressed and resolved wisely. Therefore, in case the family desperately needed a financial management scheme where each individual in the family (husband and wife) have rights and obligations of each. With the division of responsibilities and in-depth discussion can alleviate problems that may arise in the future.
Here are three types of management where you can choose according to your wishes with your partner. Obviously there are many more existing management patterns. The most important thing here is the openness with each other and live the life of a family with a shared responsibility.
1. Money together and Envelope System
Directly combined income of husband and wife together. After that, a combination of both direct revenue is allocated to routine expenditure items which have been calculated first. Typically, each heading is represented by a single envelope. Expenditure items that, in some families, not just eat and drink, household goods, and electricity, but also includes paying the mortgage, car payments, electricity, telephone, child's school fees, insurance and need a car (petrol, regular service, damage, etc.). Even savings, personal expenses and vacation mother and father became a separate envelope. If there is remaining, put into savings husband or wife, or more specifically to open an account with the bank for € ~ â € ™ menampungâ remaining envelope every month.
2. By dividing the percentage
This form of management is to divide the responsibility in the form of numbers or percentages whole family needs each month shall include the postal savings and postal emergency. Each agreed to contribute a certain amount to cover those needs. The remainder is used as a personal savings to personal needs. For example, my wife bought perfume, lipstick, or dress. Could also not counting the family's needs first, a husband and wife contribute the same based on percentages. For example 80:20. That is, each "deposit" 80 percent of his salary. The remaining 20 percent is saved for yourself. If you can save money, the money with a 80 percent savings can be left to families, as well as husband and wife also each have our own personal savings.
3. Dividing Responsibilities
For example, a husband to pay for affairs of "heavy", like paying the mortgage, car payments, electricity, telephone, school fees of children, needs a car, and insurance. While the wife is spending a monthly logistics, home knick-knacks, snacks, and holiday weekends and postal savings. Judging from the amount, the husband bears more funds. But she also had a role in the contribution of household funds. If it turns out that the wife has a larger income, of course this can also be done otherwise.
Which is best? It is strongly influenced by the habits and of course an agreement between husband and wife. Discuss this with each pair, so that the financial problems the family is no longer a problem in the family.
If the wife does not work? How?
The third example above is the pattern of allocation of income of husband and wife. Where husband and wife work and generate regular income each month. How well when only the husband or wife who works? While other couples staying at home?
If this is the financial patterns in your family must be very good if you and your spouse discuss the duties and responsibilities of each. Maybe you as a husband because of work that tries to fulfill all the needs of families. While the wives who stay home are responsible in the household, ranging from the problems of regular monthly purchases up to the allocation of savings (from the husband's income) for a variety of family owned financial goals. In this case the wife should be like manejer in a company.
By dividing a shared responsibility, the husband no longer feels more than a wife. Because the two individuals in these families have their respective responsibilities. For that openness and discussion regarding a much-needed finance.
Three important things in managing finances together
First, 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 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 monthly bills then the family the important thing to note is honesty. Where you both must 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 for a very important thing and that is apparently not sufficient.
Second, an agreed expenditure becomes very vital. 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 a few years? 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. Where the purpose that 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.
Thus a brief review about money in connection with the relationship of husband and wife in the family. May provide input and additional knowledge for you.
Many people feel that talking about finance in the family is taboo. However, in our opinion, this fact should be discussed. These circles ever think, Is to let the financial issues in family-soluble belarut will solve everything? Or it could be a growing snowball? Small problems can become big if not addressed and resolved wisely. Therefore, in case the family desperately needed a financial management scheme where each individual in the family (husband and wife) have rights and obligations of each. With the division of responsibilities and in-depth discussion can alleviate problems that may arise in the future.
1. Money together and Envelope System
Directly combined income of husband and wife together. After that, a combination of both direct revenue is allocated to routine expenditure items which have been calculated first. Typically, each heading is represented by a single envelope. Expenditure items that, in some families, not just eat and drink, household goods, and electricity, but also includes paying the mortgage, car payments, electricity, telephone, child's school fees, insurance and need a car (petrol, regular service, damage, etc.). Even savings, personal expenses and vacation mother and father became a separate envelope. If there is remaining, put into savings husband or wife, or more specifically to open an account with the bank for € ~ â € ™ menampungâ remaining envelope every month.
2. By dividing the percentage
This form of management is to divide the responsibility in the form of numbers or percentages whole family needs each month shall include the postal savings and postal emergency. Each agreed to contribute a certain amount to cover those needs. The remainder is used as a personal savings to personal needs. For example, my wife bought perfume, lipstick, or dress. Could also not counting the family's needs first, a husband and wife contribute the same based on percentages. For example 80:20. That is, each "deposit" 80 percent of his salary. The remaining 20 percent is saved for yourself. If you can save money, the money with a 80 percent savings can be left to families, as well as husband and wife also each have our own personal savings.
3. Dividing Responsibilities
For example, a husband to pay for affairs of "heavy", like paying the mortgage, car payments, electricity, telephone, school fees of children, needs a car, and insurance. While the wife is spending a monthly logistics, home knick-knacks, snacks, and holiday weekends and postal savings. Judging from the amount, the husband bears more funds. But she also had a role in the contribution of household funds. If it turns out that the wife has a larger income, of course this can also be done otherwise.
Which is best? It is strongly influenced by the habits and of course an agreement between husband and wife. Discuss this with each pair, so that the financial problems the family is no longer a problem in the family.
If the wife does not work? How?
The third example above is the pattern of allocation of income of husband and wife. Where husband and wife work and generate regular income each month. How well when only the husband or wife who works? While other couples staying at home?
If this is the financial patterns in your family must be very good if you and your spouse discuss the duties and responsibilities of each. Maybe you as a husband because of work that tries to fulfill all the needs of families. While the wives who stay home are responsible in the household, ranging from the problems of regular monthly purchases up to the allocation of savings (from the husband's income) for a variety of family owned financial goals. In this case the wife should be like manejer in a company.
By dividing a shared responsibility, the husband no longer feels more than a wife. Because the two individuals in these families have their respective responsibilities. For that openness and discussion regarding a much-needed finance.
Three important things in managing finances together
First, 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 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 monthly bills then the family the important thing to note is honesty. Where you both must 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 for a very important thing and that is apparently not sufficient.
Second, an agreed expenditure becomes very vital. 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 a few years? 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. Where the purpose that 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.
Thus a brief review about money in connection with the relationship of husband and wife in the family. May provide input and additional knowledge for you.
