In almost every family, conversations about money usually end in raised voices, or even in a completely conflictual environment.
This occurs for many reasons, most often due to mistakes that women make unconsciously.
For example, a conversation about finances should take place under favorable conditions for the partner, then some conclusion will follow from it. But, it turns out, not everything is so simple.
What type of budget to choose
Not all people are financially compatible, so for one partner some expense will be a necessity, while the other will think that it is quite possible to do without it.
Therefore, it is worthwhile to decide on the type of budget that will be maintained in the family while still “on the shore” of the relationship. There are only three types of family budgets.
Separate budget
With this type of budgeting, each partner keeps all the money they earn for themselves.
Necessary expenses (e.g. food, rent, etc.) are usually divided equally between spouses. However, this type of budget is suitable for those partners who have the same income level.
If someone's monthly income is lower and the mandatory payments are divided equally, then that person will have less money left for other expenses. And it will look unfair.
Shared budget
Here, both spouses contribute a certain share of their income to the common fund, which should be enough to run the household.
However, the share of income of both partners may not necessarily be equal, especially if their salaries differ in amount.
Total budget
With this type of budget, both spouses contribute all their money into a common pot.
However, in this case it will be difficult to buy something as a gift for your partner, because the money will be taken from the common wallet. But in this case, you can take some of the money for "pocket expenses".
How to Discuss Money Issues with a Man to Reach a “Common Denominator”
In order for the conversation to be constructive, it is necessary to choose the right time for it. For example, you should not talk about finances when the man is tired or irritated. It is unlikely that you will be able to calmly discuss money if your partner is in a bad mood.
It is better to wait for the moment when the man is not bothered by anything and is in a good mood.
Before the conversation, you need to define the purpose of this action. Just having general conversations about money is completely ineffective. It is better to set a goal, preparing the main points for the conversation.
It is also worth calculating in advance how much money is spent on mandatory expenses. These include expenses for an apartment, food, medicine, children's education, loans, etc. If a separate type of budgeting prevails in the family, then such a detailed analysis will help to analyze whether expenses are distributed correctly between the spouses.
If partners cannot agree on who exactly will manage the budget, it is necessary to conduct an experiment. For example, one month the man will manage the money, the second – the woman. The third month, the two of you can manage the budget. In this case, it is worth recording all expenses to understand who is more effective in managing money.
If it is still difficult to agree on a budget, it is worth using the method of distributing money in envelopes so that it is enough for all expenses. For example, you can create envelopes for food, housing, health, entertainment, etc.
A certain amount of money (or a percentage of income) should be put into each envelope. Then it will be easier for partners to determine in which direction and how much money they spend the most.
Earlier we listed the signs that a new love will soon come into your life.
