The family budget is an important component of relationships and its proper management helps to maintain a favorable atmosphere in the family. There are cases when even ideal families are destroyed because of conflicts on the basis of improper disposal of family funds, therefore it is very important to competently control the budget in the family.
Of course, a great option when there is no cash shortage in the family and every penny is not counted - all this leads to harmony and harmony. Well, when family incomes are not so high and if it is unreasonable to spend them, you can be left without means of subsistence, then you have to choose when shopping what is really necessary and what is secondary. Such a “pinch” in cash is not so scary, in fact, if you do not succumb to the temptation and not buy in the store are not the essentials, you can save a lot of money. And if all the money is in the possession of a woman, and she spends it at the first desire to buy the thing she likes or descends with her whole salary to her own needs and desires, then the husband is not always satisfied with it. This may lead to the fact that he begins to be angry with his wife because of her waste, and for this reason conflicts arise.
A wasteful wife is hard to respect, and respect is closely bordered by love. Therefore, women need to learn the proper management of the budget. To do this, at least for a few months to keep track of expenses in the family. Write down any small purchases, and then after a certain time expire, analyze the picture and try to emphasize what you could do without in your opinion and see how much your expenses will decrease.
In families where the man takes on the role of the main breadwinner and provides the entire family, and the woman follows the household and provides comfort it is easier to manage the money. A man bears all responsibility for the budget and makes important decisions about purchases, while allocating a part of income to a woman for her needs. But now such families are becoming less common, and the woman works on a par with the man, without taking into account, of course, the time the woman is on parental leave. And with such a family model, difficulties arise with those who will pay for utilities, buy appliances and products. Here it is important to form such a budget so as not to infringe upon and hurt each other. There are three ways to build a family budget.
Compromise budget management
The budget in the family is common, but at the same time that family member whose income more is thrown off more and at the same time leaves himself with money for expenses. With this method, the budget in the family is good and the interests of the one who earns more are not affected. This method is acceptable in cases where the salary of one of the spouses is much higher. In this case, you can attract and children to form a family budget, if they have some kind of earnings. This will prepare them for accountability in adulthood.
Independent way of running a family budget
Everything is simple here - each spouse spends the money earned only on himself and disposes of it as he wants, without coordinating it with his partner. This method is suitable for those whose incomes are more or less the same and if the spouses want to feel their independence and freedom in relation to each other. Independence is increasingly inherent in modern families, because everyone wants to feel like an individualist and a creator of his own life. And if there are general family expenses, such as buying equipment, the spouses are thrown off in half, but it happens that one partner has no money at the moment, and the other makes all their money to buy things.
On the basis of this conflicts may occur. Or, for example, during a joint campaign in a place — a cafe, a cinema, the one who has more money now is invested and if the problem of lack of money happens quite often with another partner, this can cause a negative reaction from the one who invests more. To avoid this, it is not necessary to allow distortions in total expenses, and if one now spends more, then the other partner secretly must then contribute to the expenses.
Joint method of managing a family budget
With this method, spouses throw all their earnings into a common wallet and jointly decide how they will manage these funds. This is convenient in that it does not raise unnecessary questions about who, how much and when spent, since all expenses are consistent and very transparent. For some, such a method may become an infringement of their own independence, but it can be agreed that everyone can keep part of the money for themselves or borrow from the total amount for personal expenses. But with personal spending do not forget that the main expenditures are spending on the family budget.
Errors in the management of the family budget
- The budget is not planned for a certain period of time and as a result it may be found out that at the end of the month there is not enough money for necessary expenses, such as food or utility bills.
- The problem of lack of money can fall on one partner unexpectedly, and he hides it from another family member, with the result that the family budget is severely undermined.
- The next mistake is the absence of the main thing in the budget, who keeps track of expenses, even with an independent method, someone must keep a record of total expenses and purchases.
- A similar mistake is when one person assumes all control over the budget, and he also decides about budget spending, as a result, the other partner feels deprived. When the budget is in the hands of one person, it is wrong to restrict the other in personal expenses, since it is foolish to ask the husband for money for a new dress, and for the husband for a meeting with friends.
No matter what method of budget management you choose, the main thing is that you do not forget that besides your interests there are the interests of your partner and family. Proper management of the family budget will allow you to avoid unforeseen and crisis situations, as well as maintain a healthy atmosphere in your couple.