Modern spouses do not always put their incomes into a common wallet; the practice is increasingly used when everyone has their own savings. This type of farming is very common in the West, and today it is also relevant for Russia.
Instructions
Step 1
There are 3 types of budgeting: joint, mixed and split. The latter implies that the income of each of the couple remains with the person. Everyone disposes of their own at their own discretion. At the same time, money is rarely exchanged, and there are almost no general purchases. This option is convenient in those families where both parties work and receive sufficient funds.
Step 2
A split budget does not occur where the spouse is not working. Then the one who earns has to share his money, it is he who sponsors the maintenance of the family. Rarely does a split budget exist in pairs where income is minimal. In this case, joint cost management is more profitable, it brings people together in the struggle for survival. It is also difficult to keep a completely separate budget where there is a child, since unforeseen expenses constantly arise, and they will be from different wallets, which means that there will be a partial confusion.
Step 3
A separate budget is convenient when one of the spouses has high hopes for the other. For example, a woman believes that a man is obliged to support her, and makes huge demands. The division of finances in this case allows her to teach her to take a responsible attitude to income, stimulates her to find work and earn money. Of course, this can cause conflicts, but it will lead to equality, which will be more important for the couple in the future.
Step 4
The split budget is suitable for families where people do not know how to plan their expenses. For example, young spouses do not yet have experience with money. And someone can completely spend their part of the savings on not too important things. In this case, there will still be a second salary, which will be a support, if necessary. With a common budget with this approach, it is possible to spend everything, and this is critical for a family.
Step 5
The disadvantage of a separate budget is that it is necessary to clearly establish the rules of who will pay for what. There are utility bills, grocery purchases, common household items. You can pay for them one by one, or according to a special schedule, but it is important that there are no complaints that someone gave more and someone less. The correct calculation in these moments is simply necessary, and it is necessary to take into account not only equality, but also the size of the salary of each participant.
Step 6
The difference in income is also a very inconvenient factor. For example, a woman does not earn much, she has enough to buy things from inexpensive stores, and she also tries to save money on groceries. The man, on the other hand, occupies an excellent position, his salary exceeds his wife's income several times. He can afford expensive purchases and travel. If you do not start balancing, sharing money, there will be a huge gap in the financial situation of the spouses, it is highly likely that the marriage will not be strong.
