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When you marry or simply share a household with someone, your life changes—and your approach to managing your money may change as well. The good news is it’s usually not so difficult.
在某一时刻, you will have to ask yourselves some money questions—questions that pertain not only to your shared finances but also to your individual finances. Waiting too long to ask (or answer) those questions might have some consequences.
First off, how do you propose setting priorities? One of your first priorities should be simply setting aside money that may help you build an emergency fund. 但还有其他问题要问. 你们应该开联名账户吗? How should you title assets that are owned by both of you?
你打算花多少钱 & 保存? Budgeting can help you arrive at your answer. 简单的预算, 详尽的预算, or any attempt at a budget can prove more informative than you realize. 一次彻底的, line-item budget may seem a little over the top, but what you learn from it may be truly eye-opening.
How often will you check up on your financial progress? When finances affect two people rather than one, statements can become more important. Checking in on these details once a month (or at least once a quarter) may keep you both informed, so that neither one of you have misconceptions about household finances or assets. Arguments can be avoided when money misunderstandings are resolved through check ups.
What degree of independence do you want to maintain? 你想单独存一些钱吗? Some spouses need individual financial “space” of their own. 这种方法并没有错.
Can you be businesslike about your finances? Spouses who are inattentive or nonchalant about financial matters may encounter more financial trouble than they anticipate. So watch where your money goes, and think about ways to pay yourself first. Set shared short-term, medium-term, and long-term objectives.
沟通是这一切的关键. Watching your progress together may well have benefits beyond the financial, 所以定期的谈话应该是一个目标.
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