My boyfriend and I lived together after we got engaged, and the boyfriend was in charge of the money. Because he was more frugal, we both thought it was more suitable for him to manage the money. At that time, the salary was 6,000 yuan, and I used 3500-4000 to deposit it with my boyfriend every month, but we got married two years later and when we needed money, we found that the money we saved every month was used up by the two of us. It's not that he personally spent it, it was improper financial management, and it was in his name that he saved it, but he didn't manage it well, that is, it didn't save what should be saved, and everything that should be spent was spent.
In the first month of giving birth, he handed over all his wages to me, and all of his wages were transferred to me as soon as he got it. Since then, I have been in charge of the family's economic power. Before, we bought a house, renovated, and got married. As a result, we are the moonlight clan. From the second month I started to take charge, the family savings finally turned around and achieved monthly growth. It has been just one year since I took over, and we finally realized savings 6 More than a few digits (of course there are factors that increase the husband’s salary).
Why does this happen? I have a big reason. When he was in charge of money before, I was a consumer. A few yuan, dozens of yuan, or even hundreds of yuan per day seemed inconspicuous. In fact, it would add up to a lot in one month. Just like when we swipe a credit card, every time we pay On the day of repayment, I would doubt whether these figures add up to a few thousand yuan? Once I was really serious about using a calculator to add up one by one, only to give up when I found it was right.
So, this is the principle, regardless of whether you know how much firewood, rice, oil, and salt are expensive. I'm not a home, and I often get bad ideas: Me: Husband, we haven't eaten out for a long time, shouldn't we celebrate such a beautiful day?
Husband: It makes sense, let's go out and eat.
After dinner, I: Husband, let's have a milk tea, and just go shopping.
Shopping mall, me: Husband, I haven't bought clothes for a long time, you buy me a set.
That's it. It's understandable to spend money without going through the brain's reasonable overall planning, eating out every month, and buying clothes. The key is to go out a few times a month and buy a few sets of clothes with restraint.
Until I manage the money, I immediately change my identity and role, and I don’t know where the sense of mission and responsibility comes from. It’s just to be clear about every transaction, like a salesperson every month, this month. What is the deposit goal? How to achieve it? How to dismember every day to control the total cost.
Take daily grocery shopping as an example. In the past, when I went to the supermarket to buy vegetables, sometimes I bought them directly without looking at the price, and I paid and swiped the card. Now, I have several shopping software in my hands. I will compare prices for the same item separately, look for platform coupons, and how to get them cost-effectively, has become a habit. Now, my family’s daily expenditure for three meals a day has a reasonable line of 70 yuan. Some people think it is less, but every day is also well arranged for my husband and children. There are meat, vegetables, milk and fruits.
There is also the benefit of managing money, that is, my cooking skills are improving day by day. I used to like to eat out because of the big temptation outside. What is grilled fish, crab pot, spicy hotpot_ Span42span, boiled fish and the like, cost one or two hundred at every turn. Now I can make these by myself, and the ingredients will only taste better than the outside. My husband can often eat big dishes at home, as long as he mentions it, I can do it for him, and invisibly get rid of a lot of money-consuming problems. And cut a part of the expenditure, and at the same time be safe and healthy.
Of course , the woman's management of money does not mean that it is to control the family's daily expenses. It is about coordinating the overall situation and making money. The ultimate goal of managing money is to achieve financial freedom. If you just want to hold the money in your hands, but don't know what you want to do, this is just a simple income and expenditure, which has no practical meaning. Living expenses at home, children’s education funds, parents’ pension, medical expenses, family travel, changing houses and cars, early retirement, etc. These are all “moneys that need to be managed.” Therefore, the key to managing money lies in the husband and wife. The plan is most conducive to the development of wealth.
In fact, there is no absolute answer to the topic of which is better for men or women to manage money.Every family has their own way of doing business, and every couple has their own way of getting along with each other. The most important thing for is that no matter who is in charge of the money, in addition to being in charge of the money, both parties must have an unconditional sense of trust in each other. Between me and my husband, he gave me all his wealth. It is his trust in me, and I must be worthy of this trust.
Whether a woman is a job or full-time, a woman can manage money, which means she can control her own destiny, be a wife and a mother, and be able to bear and control the destiny of the family together with her husband. For men, it is very important not to let the family cash flow be in a hurry. It is very important to ensure the financial health of the family and realize the preservation and appreciation of property.
Of course, in reality there are many women who have an almighty husband, who can make money, take care of money, and spoil their wives and children. They are absolutely invincible.
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