I’d like to devote my review to family financial planning. As you know I’ve already written a couple of articles about this. I hope you’ve read and appreciated them. Now I need to go on. Sometimes husbands are themselves opposed to a woman’s intention to earn money. In fact it’s not difficult to understand why they behave so. The root of such behavior often lies in the feeling of insecurity and fear of losing a beloved woman. The matter is that if working women is a relatively new trend in the history of mankind though there are certain exceptions in different cultures. Of course you know that working women can become financially independent and there’s no wonder that many men don’t want this to happen. Many husbands think that their wives will abandon them if they become financial independent. So in this case if a man has got such a fear then his wife should pay more attention to their relationship. She should make her husband feel secured as for their mutual future.
In most cases husbands do their best to make the biggest contribution into the formation of their family budget. So there’s no wonder that their behavior provokes more and more quarrels because it’s quite evident that the spouse with lower income can be hurt. To avoid such confusion, couples with different income levels should choose a common type of the family budget.
Now let me mention a so called fractional budget. Excuse me, but I don’t know how this budget should be identified correctly. But it doesn’t matter because I know the essence and that’s enough. I should say that exactly the separate budget is becoming increasingly relevant now. This principle works best if the difference between the salaries of the spouses isn’t so considerable. To do this you first need to calculate how much money your family spends each month on food, utility payments, household expenses and other needs. Further, this amount is distributed among family members in a certain a ratio which is considered to be rather fair within the family. The positive side of such planning is its unique combination of a sense of community within the family and the element of financial independence from each other. Insult for the second half because of somebody’s excessive shopping is much smaller in this case. It reduces the risk of feeling of guilt if unpredictable expenses have occurred. At the same time, it internally organizes spouses, they know exactly how much they can afford for “luxury”. As you can see this kind of family budgeting has got evident advantages when compared with the previous approach mentioned above. As for me I use exactly this kind of family budgeting in my everyday life and I’m rather satisfied with the results. I advise you to do the same.
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