1. Open
The first thing that must be done to avoid finance is to be open. Both couples alike looking for money or just one who is making money, there should be no hidden spending problem. Always discuss all decisions related to finance, such as expenses, income, savings, and other.
2. Make a deal
Before spending your money, it is better to make the rules agreed upon. Suppose determine what percentage should be saved, how the budget is used to pay bills, and more.
3. Determine the long-term goals
In financial terms, you must also be careful and wise in looking at the future. Decide on a few things in the future that require a lot of money. Suppose the children's education, holidays, and more. This will help you save money and not overwhelmed when the time comes.
4. Saving
You do not have to save a lot in the bank, but provide little savings at home that you can fill it every week. It may sound trivial, but the money collected can be very handy when needed.
5. Savings together
Actually not a problem you will use shared or private savings. But before you decide, you should be alert to the risks and effects. You should also discuss with your partner this problem, because it is well adapted to the nature of the couple.
6. Keep track of expenses
Prior to divide the money, you should begin to keep track of your daily expenses. This is very useful if done since the beginning of the wedding, as you can guess how many household expenses each month. It also helps you find out if you are too extravagant or thrifty.
7. Make 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 thrifty and you can not enjoy life. Do not also set a budget that is too loose to make your life wasteful.
8. Set aside "fun money"
Save some money for entertainment or fun. Not a lot that is not too extravagant. You can use the money to have 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. Financial 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. Working together to manage finances
Make sure you and your partner work together to manage finances. Do not be too dominant or passive even if it relates to expenditure or financial arrangements. Might initially be awkward, but if you are going to get accustomed to the benefits of managing money as a team with your partner.
Well, do not be afraid to face financial problems in the household. Ten tricks above can help you overcome it.
But If AYou experiencing difficulties that are difficult for you to solve, then it is time you consult me, to get the solution of your financial problems.
