A pair of man who had just tied the sacred promise of marriage certainly have various dreams together. Unfortunately, not all dreams can come true at once immediately. This new couples must be very clever to set the coffers of their dollars. How to?
According to the Financial Counsellors and Family MONEYnLOVE Financial Planning & Consultant Andreas Freddy Pieloor, prepare financial planning for couples is not easy, because the need to unite the mindset of two beings who have backgrounds and different personalities.
The new bride should start learning to promote the common good that they built a new family.
"Necessary communication and equalization mindset to abandon their personal interests," he told Business.
There are several things that should be a concern and needs to be done by the newlyweds that their financial objectives can be achieved. The first one, total the income of husband and wife. Furthermore, talking about spending items for family and personal expenses respectively.
The other important thing is pointed personal debts both husband and wife owned before marriage is brought into the family. If you have already done so, make a family's spending priorities.
If already set priorities for spending family, discuss and agree on family expenses first, and personal expenses husband and wife. Lastly, make sure the total expenditure is still smaller than income.
Author of Money, Love & Marriage is explained the general priority spending items: first for purposes related to the social rate of 2.5% - 10%, second to pay the debt up to 30%, the third to the insurance 5% - 10%, the fourth to invest 10% - 20%, the fifth for educational purposes a maximum of 15%, the sixth for household use a maximum of 60%, the seventh for personal expenses maximum of 2.5%, and last for leisure travel or a maximum of 2.5% yearly.
"Total heading first to the eighth heading is 100% earnings both," he said.
Couples should write a financial plan and signed it together. After that, watch and control spending that exceeds a predetermined allocation. For new couples, usually the main priority is to prepare for childbirth, especially for those who do not want to delay having a baby.
To realize various dreams as a child pay for college, new couples can begin to set aside money to invest or enter the first four expenditure items. Later, when the time comes, the baby will smile proudly present to father mother toga!
Source: http://lifestyle-indonesia.com/
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