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视角姬|洋视角:夫妻避免为钱争吵的六大法宝

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  筹备婚礼时,从婚礼宴席到蜜月旅行,方方面面的花销都难逃你和另一半的讨论。然而,你们有没有考虑过结婚以后,该如何处理一些金钱上的问题呢?据美国注册会计师协会进行的一项调查显示,夫妻双方每月因钱争执的平均次数为三次。此外,有四分之一的夫妻表示,金钱是双方争吵的最主要原因。

 

  所幸的是,夫妻间开诚布公的交流和公开透明的理财计划可有效避免夫妻争吵。下文会揭秘夫妻间避免为钱争吵的六大法宝,且让我们一睹为快:

 

第一、多交流

 

 

  婚前,建议和另一半就金钱问题进行讨论,以便熟悉并接纳彼此的理财方式。当然,在交流过程中,夫妻双方要做好随时妥协的准备。此外,一旦结了婚,夫妻间可留出专门的一晚进行“财政约会日”,用以交流并确保当前的金钱决策得到了双方认可。

 

第二、分享目标

 

 

  遇到生命中的另一半之前,每个人都有自己的理财目标—有的目标笼统(退休之后去海边休养生息),有的目标明确(XX岁前开一家公司)。那么,夫妻可以将这些目标罗列在纸上,进而比较并讨论一下哪些目标更契合夫妻双方的需求和想法。

 

  筹备婚礼时,从婚礼宴席到蜜月旅行,方方面面的花销都难逃你和另一半的讨论。然而,你们有没有考虑过结婚以后,该如何处理一些金钱上的问题呢?据美国注册会计师协会进行的一项调查显示,夫妻双方每月因钱争执的平均次数为三次。此外,有四分之一的夫妻表示,金钱是双方争吵的最主要原因。

 

  所幸的是,夫妻间开诚布公的交流和公开透明的理财计划可有效避免夫妻争吵。下文会揭秘夫妻间避免为钱争吵的六大法宝,且让我们一睹为快:

 

第一、多交流

 

 

  婚前,建议和另一半就金钱问题进行讨论,以便熟悉并接纳彼此的理财方式。当然,在交流过程中,夫妻双方要做好随时妥协的准备。此外,一旦结了婚,夫妻间可留出专门的一晚进行“财政约会日”,用以交流并确保当前的金钱决策得到了双方认可。

 

第二、分享目标

 

 

  遇到生命中的另一半之前,每个人都有自己的理财目标—有的目标笼统(退休之后去海边休养生息),有的目标明确(XX岁前开一家公司)。那么,夫妻可以将这些目标罗列在纸上,进而比较并讨论一下哪些目标更契合夫妻双方的需求和想法。

 

第三、制定财政预算

 

  对于夫妻而言,一个明确的财政计划有利于确保财产安全。此外,财政预算可辅助夫妻双方知晓花销重点,调整花销项目,削减浪费,并跟踪实际收支进度。

 

第四、留存“私房钱”

 

 

  对夫妻双方而言,由个人理财转变为夫妻双方理财并非易事。如果夫妻双方意欲完全实现该转变,建议双方每个月留出一定额度的“私房钱”以供个人自由支配。

 

第五、考虑信用评分

 

  正式步入婚姻殿堂前,夫妻双方应互相坦白信用记录。如果夫妻一方存在不良征信记录,那双方应联手消灭“不良记录”。此外,可以考虑开通信贷监控服务,用以定期更新信贷评分。

 

第六、作好长期规划

 

 

  既然夫妻双方有共同的努力目标,那么有必要权衡一下现有投资是否互补。此外,美国一位注册理财规划师蒙塔纳罗(Montanaro)表示,首先,夫妻双方应了解彼此所有的退休规划和投资方式;其次,夫妻双方应认真考虑退休计划之间的兼容性。毕竟,夫妻终归是要一起退休的。

 

  原文:

 

  6 Ways Couples Can Avoid Fighting AboutMoney

 

  You and your partner talked a lot about money while planning your wedding — from how much to spend on the reception to where you could afford to honeymoon.

 

  But have you talked about how you’re going to handle financial decisions after you tie the knot?

 

  “Some people just don’t put much thought into that financial merger, and they put no effort or communication into it,” says JJ Montanaro, a Certified Financial PlannerTMprofessional with USAA. “That’s a big mistake.”

 

  And a common one.

 

  According to an American Institute of Certified Public Accountants survey, the average couple argues about money three times a month. And a quarter of couples say money is the most common reason they fight.

 

  The good news is some open dialogue and planning can help avoid conflict. Here’s how:

 

  Communicate.Start talking about money before your wedding day so you can merge your money-management styles. Be ready to compromise and meet in the middle. Once married, use financial “date nights” to make sure you’re on the same page about ongoing money decisions.

 

  Share your goals.Before you met, each of you had financial goals — some as vague as retiring at the beach or others as specific as starting a business by a certain time. Write those down, compare lists and talk about how they fit intoyour joint financial priorities.

 

  Create a budget.A concrete plan will help you and your spouse stay on the right financial path. Budgets help you prioritize spending, adjust to changing expenses, cut waste and track your progress.

 

  Keep some personal money.It can be tough to go from being single to sharing every money decision with a spouse. If you opt to merge your finances completely, consider allowing each other a little discretionary money each month.

 

  Consider your credit scores.Ask about your partner’s credit history and divulge your own before you exchange rings. If one of you has a blemished rating, you’ll need to work together to get it fixed.Consider a credit monitoring serviceto get regular updates on your score.

 

  Plan for the long term.Now that you’re working toward shared goals, see if your existing investments are complementary. “Look at all the different pieces of your retirement plans and how they’re invested,” Montanaro says. “Next, examine how those plans are going to look together, because you’re going to retire together. Or at least that’s the goal.”

 

栏目介绍:“洋视角”是理财频道新开设的一个栏目,栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点,以期对国内投资者的投资理财有借鉴意义。

 

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