Usually in families where both spouses work, one of them necessarily earns more than the other, and this is considered quite normal. And no one believes that it is he who bears the burden of providing most of the family expenses. But there are exceptions. What causes a lot of conflicts, and false suspicions that one of the spouses contributes everything to the family, and the second allows himself excessive spending that is purely for personal needs, and not for family needs.
To ensure that the material side of family life does not become a step towards the destruction of relations, it is necessary to determine initially how to conduct finances in the family.
The formation of a family budget is a crucial moment in the life of a young family.
Family budget.
Money and the family budget is an indispensable part of our life, which we encounter every day, and without it a normal existence is not possible. The available finances in the family, especially the impressive amounts, can create the illusion of permissiveness and full control of every aspect of life both of one's own and of one's environment. This causes the majority of misunderstandings, irritability and as a result of frequent divorces.
In the opinion of psychologists - money, this "third is not superfluous" in the relations of partners, which also need to learn how to get along. Especially it is difficult for people who before marriage led an independent life, and are accustomed to dispose of their money, or vice versa, they have never done this before. Financial disputes can cause different reasons. This can be explained by the fact that, with a limited amount of finance, a person is in a state of stress, and will spill out all the negative emotions accumulated over time, in case of unreasonable waste, especially if this was not necessary. In the case where the income of the family can not be called small, the requirements, which are not always justified, accordingly increase, which again increases the costs, and the result is again a scandal.
There are many cases when, due to the divestiture of money, couples were determined to divorce, and most of the divorce proceeding was the division of common property, it came to the point that the service, or a set of cutlery, was shared for several months.
Therefore, the formation of the family budget will be for you the opportunity to avoid reckless spending, and at the same time to enable you to independently manage your finances without the scruples of conscience.
With finances for you.
If you seem to earn well and you still do not have enough money, then the situation is not true, or you simply do not control your spending. Especially you should think, if it turns out, you started to spend even more than you earn, using credit cards for this, and getting bogged down in debt. This situation can continue as long as both spouses live and they are satisfied with everything. But usually this happens rarely, and one lives on a broad foot, and the second tries to save on everything that is possible. As a result, all efforts are reduced to zero at best, at worst to the minus. Usually, from the lack of an inviolable cash supply, and some guarantees for the future, the "economical" partner is constantly in a stressful state, which is clearly reflected in his behavior, marital relations and the general emotional state of the family. In this case, the best option is to form a wasteful spouse's habit of controlling their costs. For this purpose, certain agreements between partners on which. If they are not executed, and the expenditure continues, it is better to give the chance to finance the family in a more economical partner for a while.
This situation is especially characteristic for young couples who previously did not manage money on their own, had a limited amount of finance, or belonged to different social strata of the population.
We are.
If in the family it was initially formed that everyone in itself in the financial plan, it is necessary to radically change this situation. After all, the best option, if the family does not divide money into "your" and "mine", and all the funds brought into the house are common.
To form a family budget is necessary with conversation and discussion. If you want a harmonious marriage, believe me, without communication on this topic can not do. Jointly select for yourself a list of costs that usually fall on a certain period. Next, select, among these costs, the most necessary, which can not be excluded. For example, it can be utility bills, payment of a kindergarten, credit payments, gasoline costs, food, well-known events or holidays and so on. Further determine the so-called additional costs that you can afford, but they do not carry a permanent character, for example, the purchase of clothing, equipment, furniture. After the distribution of basic and additional costs, you can have some free money. You can spend this money without remorse on your little whims, family rest or postpone for larger purchases.
To further control costs, you can keep a semblance of a home ledger, into which you will write down everything that the money has gone to. Thus, then you easily get the total amount of embezzlement, compare it with income and you can eliminate unwanted purchases.
Using simple tips that answer the question of how finances are maintained in the family, you will soon learn to live within your means, without feeling any disadvantage or extreme shortage of something. The main thing is that you have a desire to take a step towards a meeting and change your habits, because the further relationship in the family, their reliability, duration and well-being can directly depend on this decision. Do not put money above all, because in life there are many more valuable things that do not pay off by any number of banknotes.