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It`s rare to find a couple who, over many years of living together, hasn`t encountered disagreements about the shared budget. The husband wants a fishing rod, but the wife wants a dress. He suggests doing repairs, but his beloved demands to spend money on a foreign trip.
There`s never enough money, but disagreements become especially acute in families with average incomes. And it`s even harder to smooth out the rough edges if one spouse earns much more than the other or is even the sole breadwinner.
And today, we offer to talk about how to build a family budget so as not to destroy relationships and avoid arguments, and also to live a fairly comfortable life. Is that possible?
Continuation of the article
FAMILY BUDGET PLANNING
`Everything was fine until my wife went on maternity leave. Before that, we could go on trips and go to restaurants on weekends. Now only I earn money, she stays at home with the child. And she mentions a mortgage. Well, what mortgage for us? She wants me to work for everyone and pull the mortgage? But her? Does having a child give the right to sit on my neck?` - Mikhail is angry.
The topic of money is considered one of the most painful in any family. The problem is that couples in love, when planning their life together, really don`t want to discuss such an unpleasant thing as the family budget.
Of course, you are in love and happy, and it`s even awkward to think about who will later pay for groceries or diapers. But after a couple of years of married life, anything can happen, and often there are situations where the husband simply `drives` his wife to work as soon as she recovers from childbirth.
And therefore, if the family fails to distribute money, then this issue simply needs to be discussed with the partner. And here it`s important how the family budget was managed in each person`s family, what this experience is like. And since this experience is different, you need to talk, share experiences, and agree, finding a solution that suits all family members.
Optimally, if both the man and the woman earn money. In this case, family budget planning is simpler because each makes a tangible contribution. In addition, everyone has money left for personal needs, which eliminates the need to ask the partner for funds for every little thing.
If the husband`s income allows the wife not to work and he is ready to support such a model, then you need to agree in advance on how much the husband is willing to regularly spend without objections on his wife`s and other family members` needs.
It`s hardly worth expecting that 100% of the husband`s income will be directed to the family budget. After all, left without free funds, he will definitely subconsciously feel pressure and injustice, which will inevitably lead to disagreements and scandals.
Therefore, it`s important in the family to listen and hear each other, including in financial matters. And if family budget planning takes into account each family member`s interests and at the same time everyone is comfortable, it won`t matter so much who is how financially useful. Even if only the wife brings money into the house.
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