Financial problems in the family: how to avoid conflicts and find solutions
Financial difficulties in the family, according to statistics, are the most common cause of divorce and the main cause of conflicts in the family.
Tensions due to lack of money or improper distribution of money can lead to serious disagreements, misunderstandings between spouses and even divorce.
However, it is possible and even necessary to cope with financial problems in the family if you approach their solution wisely, says Mariam Vladimirovna Fatueva , clinical psychologist and body therapist.
The first step in solving financial problems in the family is to recognize these problems. Very often people avoid talking about money, fearing an unpleasant confrontation. But only through open dialogue can we really look at the current situation together and find a compromise solution. It is necessary to sit down and discuss financial difficulties, find the root of the problem, express your concerns and fears, and also calmly listen to the point of view of all family members.
It is also important to understand that financial difficulties often arise not from a lack of money, but from improper distribution and management of financial resources. In this case, it is necessary to draw up a family budget and calculate what exactly is spent where and in what volume. It is important to determine the main priorities, as well as see where and on what you can save so that all family members feel comfortable enough.
If financial difficulties lead to constant disputes and conflicts and you cannot deal with economic problems on your own, then in this case it is important to contact a professional financial consultant and psychologist. These specialists will offer you financial management strategies. You can also go to financial literacy courses together.
The more aware all family members are of this, the easier it is to overcome financial difficulties together and manage a joint family budget, as well as plan your future.
There are many systems for regulating finance, here is one of them.
Monthly:
- 10% of all income is the so-called “Church tithe”, that is, this amount is allocated for gifts and charity and is not exceeded.
- 20% of all income is the “Entertainment item or brightness of life”, this expense item goes towards goodies, hobbies, pleasant leisure and entertainment and is also not exceeded.
- 20% is an emergency reserve, it is set aside even if there are debts or loans (the emergency reserve can only be withdrawn once a year), it can be spent, for example, on a vacation.
- And the remaining 50% is your daily household expenses.
By following this simple system alone, you can avoid many financial problems and disagreements and stabilize your financial life.
In conclusion, financial problems are not the end of family relationships, but only a test that you can overcome together, and your family and relationship will only become stronger.
