Super

Father

Money is one of the biggest reasons that led to quarrels in the household. Not infrequently marriage fell apart because of financial problems. Financial problems are also not easy to explain. But do not worry, I have some tips to overcome the financial problems in the household;


1. Open
The first thing to do to avoid finance is to be open. Both couples alike looking for money or just any one is making money, there should be no hidden expenses issue. Always discuss all decisions related to finance, such as expenses, income, savings, and more.

2. Make a deal
Before spending your money, it's good to make a mutually agreed rules. Suppose determine what percentage should be saved, how much budget is used to pay bills and others.

3. Determine the long-term goals
In financial terms, you also have to look carefully and wisely in the future. Define some things in the future that require a lot of money. Suppose the cost of children's education, vacations, and more. This will help you save money and not be overwhelmed when the time comes.

4. Save
You do not have to save a lot in the bank, but provide a small savings in the home that you can fill it every week. It might sound trivial, but the money collected can be very useful when needed.

5. Shared savings
Actually there was a problem you will use a shared or private savings. But before deciding, you should be alert to the risk and impact. You should also discuss this issue with your partner, because it is well adapted to the nature of the couple.

6. Track spending
Prior to divide the money, you should begin to keep track of your daily expenses. This is very useful if done early marriage, as you can guess how household expenses each month. It also helps you find out if you are too extravagant or frugal.

7. Creating a realistic budget
Make sure your budget is realistic and can be done well. Do not create a budget that is too little to be very frugal and you can not enjoy life. Do not also specify a budget that is too loose to make your life lavishly.

8. Take some 'fun money'
Save some money for entertainment or fun. Not a lot that is not too extravagant. You can use the money to eat dinner together, watch a movie, or buy something for the family. Let's just say this money is a reward for the hard work you and your partner.

9. Finance meeting
Perform a meeting or a meeting with the couple to discuss financial issues. This can be done every week or month. Although the name of the meeting, but do it with a happy atmosphere. and do not be too serious.

10. Cooperate to manage finances
Make sure you and your partner work together to manage finances. Do not be too dominating or even passive when it comes to spending or financial arrangements. May initially be awkward, but if you get used to benefit the team's finances as a couple.

Well, do not be afraid to face financial problems in the household. Ten tricks above can help you overcome them.