The poor are poor, the rich are rich

Chapter 63 3 Husband and Wife Co-financing Together

Chapter 133 Husband and wife share financial management

There is such a couple, the husband is a private owner with an annual income of nearly one million.The wife is an actress.Logically speaking, such a family naturally has no worries about food and clothing.But within a few years of their marriage, the husband's company closed down and went bankrupt, and the wife divorced her husband immediately.It turns out that my wife has never been restrained in spending money, and she likes to buy top cosmetics and top brand clothing.Only she can wear the expensive clothes that are newly launched in major shopping malls, and she will not let go of any of them.In order to shop, she also embezzled funds from the company, and no matter how high her husband's assets were, he couldn't afford such a flow-like way of spending money.In the end, the capital chain was broken, and everyone became impoverished.

From this couple, we deeply understand how important it is for the husband and wife to cooperate in financial management.Every family has its own way of living and there are no hard and fast rules when it comes to financial management.In some families, the wife is the head of the house, and the husband pays his salary every month. Once he settles the job, he basically doesn’t ask about the financial situation of the family, and doesn’t know how much money the family has, let alone whose name is written in the passbook, so that the husband can rest easy; In some families, the husband is the housekeeper, and most of the wives are not enthusiastic about managing the family economy; in some families, the husband and wife jointly manage the finances, and the family expenses and savings are discussed by two people; there are also some people who are financially independent of each other after marriage. We live together with each other for living expenses every day, and add money to buy large items at home, and usually spend the money we earn by ourselves.Either way, the premise is that the family life is happy and fulfilling.

The current savings system is a real-name system. The purpose is to curb private deposits of public funds and corruption, and to facilitate the detection of economic cases by relevant departments and the handling of personal economic disputes.There is no need to save the money of the husband and wife separately, because no matter whose name is written in the savings, it is the joint property of both parties.Accumulating wealth is nothing more than two channels, one is to increase income, and the other is to reduce expenditure.Comparing the two, open source is more labor-intensive, sometimes getting half the result with half the effort, while saving money is much easier. Knowing how to spend and save money can accumulate wealth.Here are a few ways to accumulate money.

Take a part of the money from your salary and deposit it in the bank every month. You don’t need to worry about the interest rate. It’s just temporarily sealing up this part of the money.In this way, you can accumulate a lot of wealth over time.

You must have a plan for your family's financial expenditure, know where and how much your money flows every day, week, and month, and list the family budget and expenditure table in detail.Don't spend money lavishly. When you buy something, you must carefully check and check all receipts to see if the merchant has charged more.Don't forget to think about it before buying something: "Is it worth the money?" At the same time, learn to bargain. If you don't take the initiative to bargain, the store will never take the initiative to lower the price and sell it to you.

Don't throw away things casually. After living at home for a long time, it is inevitable to accumulate some "junk". Don't throw them away casually. Use the things that can be used as much as possible, and only throw away things that are really useless.Don't compare and waste too much, you don't have to have what others have.In consideration of face, what was lost was the ticket.

Joint financial management of husband and wife is an important part of family life. If one saves one flower, it cannot be coordinated at any time. Family saving is an important part of financial management.Rich people know how to save and invest best. When you have no other way to make money or a high-paying job, it is better to save money.

(End of this chapter)