How do couples manage family finances 1 1. Share your views on money with your spouse.
Make the money public, and understand each other's dreams, fears, risk tolerance and preferences for savings, investment and loans. People's ideas about money were not formed overnight. These ideas are formed by the long-term influence of family factors, educational factors, personality characteristics and life experiences. Therefore, it is not as simple as people think to integrate two different views on money. It is worth noting that the differences between husband and wife in financial management are often a harbinger of marriage crisis.
2, husband and wife AA financial management, financial independence.
The so-called AA system means that the husband and wife do not go their own way, but make financial plans according to their own financial management experience, habits and personality under the condition of communication, cooperation and understanding. The AA system of husband and wife financial management is very popular abroad. Many financial advisers suggest that all individuals should have their own private accounts, which are independently controlled by individuals. This arrangement allows couples to do what they want. For example, a wife can get a facial once a week, and a husband can get together with friends. This is the best way to avoid disputes, and you won't feel constrained when spending disposable income. Of course, the establishment of independent accounts should be open, which reflects the trust of both husband and wife. At present, the popular financial management method of "husband and wife are integrated and financially independent" is mostly in the form of independent accounts.
3. Establish a family fund.
Any husband and wife should realize that some daily expenses, such as monthly rent, water, electricity, gas, insurance policies, grocery bills and any expenses related to children or pets, should be paid by public deposit accounts. According to the couple's income, everyone should take out a fair share and deposit it in this public account. In order to make this public fund run well, there must be some fixed arrangements for the couple to replenish the fund regularly and use it reasonably. Your respect for this account shows your respect for your marriage.
4. Treat unexpected income wisely.
When you win the prize, don't spend all your money on things you are interested in, but use it reasonably as normal income. Learn to compromise and adjust your consumption habits. Most couples deal with their confusion about money by doing nothing, which is the worst mistake they make. This means that you have neither made your money serve you as much as possible, nor made any plans for the future. There is no right or wrong way to manage money, only suitable or unsuitable.
5. Mutual supervision of fiscal expenditure.
Buying a financial management software will make it easy to know where the family finances are going. Usually, one of the husband and wife will be the treasurer of the family and take charge of the family expenses. But this doesn't mean that another person knows nothing about the financial situation at home and can't ask questions. One person can pay all kinds of expenses, and the other person checks the family accounts once a month. Balancing family income and expenditure can make two people in an equal economic position. In addition, try to make a summary once a month to discuss the adjustment of consumption, such as reducing extra expenses or making plans to save money and buy big items.
6.* * * Determine the investment direction.
Young couples generally don't have much money left, and they always want to find a good place to invest and multiply their money several times. Let yourself get rich quickly, but the actual operation is not that simple. This requires both husband and wife not to haggle over every ounce in investment, but to set a perfect profit target from reality, carefully choose investment varieties, pay attention to investment strategies and methods, and do it step by step, keep up with the crisis, and keep rolling investment.
7. Life insurance.
Everyone should take out life insurance, so that once one party is unfortunate, the other party can have some protection, at least financially. You can come up with an easy-to-understand insurance policy and learn more about the insurance plan.
8. Establish a retirement fund.
A person's life is full of countless uncertainties. Maybe your spouse doesn't live as long as you. To this end, you two should have your own retirement plan, which can make your spouse (or children) the beneficiary of your retirement fund in the form of individual retirement account or pension plan.
How do couples manage family finances? 2. Financial management methods are slowly running in.
Don't spend on impulse.
The financial affairs of both parties should be transparent.
Plan the future early.
Establish a family ledger.
The economic foundation of newly-married families is generally not strong, so don't talk about ostentation and extravagance and impulsive consumption beyond the economic capacity. To avoid buying a lot of unnecessary items, you might as well confess your views and reasons when you meet the other party's unnecessary shopping suggestions or requirements.
It is best to use a transparent method for the income and expenditure of both husband and wife, and it is best not to set up a "small treasury". For the daily living expenses, on the premise of not wasting, both parties can freely control their income, but they should make long-term planning and investment on the remaining funds, so that the family funds can get satisfactory returns through careful operation.
For young couples who have just got married, there are many goals to be achieved, such as raising children, buying a house, and purchasing household equipment. At the same time, unexpected things may happen and money will be spent. Therefore, both husband and wife should carefully consider the future, make long-term plans as soon as possible, make specific arrangements for income and expenditure, make planned consumption, live within our means, and have a certain amount of savings every year.
Newly-married families may wish to set up a bookkeeping book, so that both husband and wife can master the monthly financial revenue and expenditure through bookkeeping and have a good idea of the family's economic revenue and expenditure. At the same time, through economic analysis, we will constantly improve our investment and financial management level, so that the limited funds of families can play a greater role and build a happy family.
How husband and wife manage family finance 3 1, 432 1 law: the reasonable allocation ratio of family assets;
This law is aimed at high-income families. The reasonable expenditure ratio of these families is: 40% is used for buying houses, investing in stocks and funds; 30% for family living expenses; 20% is used for bank deposits in emergencies; 10% is used for insurance. This is just a small method. Arranging assets according to this method can not only meet the daily needs of families, but also preserve and increase the value through investment, and also provide basic insurance protection for families.
2. Article 72 Law:
If you don't get the deposit back with interest, the time required to double the principal is equal to 72 divided by the annual rate of return. Time required to double the principal (year) = 72/ year average rate of return. For example, if you deposit 6,543,800 yuan in the bank with an annual interest rate of 2%, how many years can you change it into 200,000 yuan? The answer is 36 years.
3, 80 law:
Share in total assets =(80- your age)%. For example, shares can account for 50% of total assets at the age of 30 and 30% at the age of 50.
4. Double Ten Laws of Family Insurance:
The appropriate amount of family insurance should be 10 times of family annual income, and the appropriate proportion of premium expenditure should be 10% of family annual income. For example, the annual family income is 80,000 yuan, the total insurance amount is 800,000 yuan, and the premium is 8,000 yuan.
5. Trinity law of mortgage;
How much is the appropriate housing loan? The monthly mortgage amount should not exceed one-third of the family's total income in that month. Family income 10000, mortgage 3000.
Combination of savings varieties in science and universities: step-by-step savings method: for example, a sum of 50,000 yuan is divided into five parts, and these five deposits are deposited regularly for 1, 2, 3, 4 and 5 years respectively. After the first year, the expired 1 year time deposit certificate will be renewed and changed into a five-year time deposit certificate. After the second year, the expired two-year time deposit certificate will be renewed and changed into a five-year time deposit certificate.
By analogy, five years later, all five certificates of deposit will become five-year fixed certificates of deposit, one of which will expire every year, and all of them can enjoy a five-year fixed interest rate. The annual savings period is kept in equal balance, which can not only cope with the adjustment of savings interest rate, but also obtain higher 3-year deposit interest. Suitable for working families to accumulate education funds for their children.