How to manage money as a couple

When we live as a couple it is common to decide to share some expenses, such as basic services, the mortgage, the purchase of food, among others. But this can generate a lot of stress and tension and it requires that both of them know very well how to control the expenses to achieve success. If you are starting to live together or want to optimize your finances, at .com we explain how to manage money as a couple effectively.

one

Managing money as a couple is easier when both earn the same or have a similar salary, since everything can be divided half. If not, it is important that both sit down to talk, preferably with bills in hand, to determine which is the most logical way in which they can be divided and cover the expenses . Many couples despite the difference in salaries prefer to cover expenses in half and thus avoid conflicts, however each relationship makes its decision.

two

It is a good idea to have a common account in which each one makes the corresponding monthly contribution. The services can be domiciled to this account, in the same way it can be purchased food etc. In this account all the money that is required for common expenses will be deposited.

3

However, it is necessary, healthy and important that everyone has a personal account with their own money to manage their financial independence. This money can be administered and spent by each of the spouses at will and is that it is important not to forget that although we live as a couple we continue to be individuals with personal needs and desires.

4

Managing and managing money as a couple requires planning, expenses should be controlled as much as possible and to determine, if you plan to save, how much monthly money each should give to get it. Everything is achieved through an effective and transparent conversation. As the saying goes, "clear accounts keep friendships" and in this case also relationships.

5

It is very important to be honest and transparent regarding the use we give to money in common. Many times when one of the members of the couple spends more than the other, they usually go to that common fund to arrive until the end of the month, which can cause a problem if it is not done in an open manner. Each time one of the two, for whatever reason, resorts to that money, it must inform the other, in this way there will be no unpleasant surprises.

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Finally, it is appropriate to remember that once you decide to live as a couple you have also made a vote of confidence and honesty, but you must also assume with maturity the responsibilities and expenses involved in this step and try to make the economic aspect is what you want. as balanced as possible to achieve success and avoid tensions and discussions.

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Economic problems that affect the family

The economic problems are part of the daily routine of many households in which only one of the two works and has a low salary, or also, in which the two members of the couple are unemployed. Economic problems are a reality, sometimes invisible because those who suffer such a situation, tend to hide it and cover it because of shame, or also, for fear of not receiving help.

With the arrival of the month of September, and the extra expenses of the return to school, the economic problems are much worse, precisely because all unforeseen spending becomes a pothole difficult to support when the domestic economy is not going through a good stage . The truth is that there are parents who can not buy their children all the necessary school material.

At other times, there are also economic problems that directly affect the family, and arise precisely because they do not make an adequate organization of money . The reality is that you can not have everything, therefore, you have to prioritize and establish a hierarchy in your own interests.

Economic problems can also arise from an unexpected dismissal . In that case, the person carries a feeling of guilt when he has a family in his charge. In such a case, the only thing that can be done is to take advantage of the time and start the process of active job search as soon as possible.

In a family, economic problems can also be caused by an addiction, for example, gambling addiction or addiction to purchases. In that case, it is essential to start a treatment in order to start the recovery process. In cases of economic problems, it is important to ask for help. For example, there are entities such as the Food Bank that offer food to families that need it.