- Gave his daughter to study in the Academy of Finance.
- Wow! The money will then earn a lot ...
- Yes, God is with them, with the money, only to find her husband there is normal!
(From overheard on the street)
In our country no one ever taught peoplehandle money. The man brought home a paycheck, put a pile in a cupboard, and a woman for a month spend it on pasta, soap and tights for children.
In most families, it is the distribution of rolespreserved until now: husband - a money earner and mammoths, the wife - the keeper of the »home» and children. However, the notorious »Footprint» now lies not in the sideboard, and bank accounts and cards.
Accounts and cards - a thing, of course, good, hereonly access to them is usually a master of the house, the woman is given a certain amount of money for current expenses. And many ladies have nothing against such a money management.
»I want my husband to feel like a realhead of the family, most of my salary we translate on his card, »- says Larissa fitness instructor. - »Myself, I leave a couple of thousand for a cafe, cosmetics, gifts to friends. I still have my mother said that I do not know how to count money, so do not even interested in, how much we have funds in the account now. » This indulgence of society incorporated in installations »women and finance - incompatible concepts» sometimes leads to very sad consequences.
Hope sat on maternity leave, waitingthe appearance of the first-born. Male Dmitriy well earned, the family could afford a winter trip to Spain, renovation and a good foreign car. But one day, this is a good foreign car got into an accident, Dmitry was killed. From the shock Hope gave birth prematurely. Was discharged from the hospital a month later, she was forced to borrow money from friends and acquaintances, because the cash it almost was not, and no pin code on bank cards husband it turned out, it does not. Dmitry Wills does not have any money and discounted Hope husband was able to get only six months after his death.
An example, of course, from the category of extreme, but even knowing all the »appearance» and »password», which keeps the husband earned, the woman should remember about personal financial »safety cushion».
Just take the first step
Strictly speaking, personal »safety cushion» -this supply of money, which in the case which will give you the opportunity to live six months (preferably more), without worrying about how to feed themselves, children and pets, hamsters, pay the rent and cell phone. Creation of such a stabilization fund - not a one-time event, but a long-term process. Post it can be today, making the first 4 steps:
1.Nachnite talk and ask about the money. Ask your acquaintances, friends, and how they manage the finances. Read a book or specialized sites on investment and savings. Let cryptic abbreviations PIF and MICEX You no longer scare.
2. Look for alternative ways of generating income that do not affect most of the work! Excellent express their thoughts, possess the skills of web programming, excellent paint or have the announcer's voice - you in a freelancer; lucky - try to hit the jackpot playing game volcano; etc. etc.
3.Discuss with your husband, what to do in case of an emergency. Who will get the inheritance, whether to write a will, where important financial papers are stored. Maybe you need to make a power of attorney to bank accounts? Such talk is not easy to start, think about the poor will never want, and many of us are superstitious believe that if you talk about the »rainy day», then it will happen. But it is better to be safe than be left without funds.
4.Open the their own savings account. As the Americans say; No comments.
5.Choose your financial strategy and try to follow it. The accumulated funds will be useful to you not only in the case of an extraordinary situation, but just when your child wants to go to a paid university or the time comes to expand the living space.
Do not be afraid to express and money mattersto defend their point of view. Even though it will cost you loss of reputation »docile, white and fluffy». »Good girls do not get rich,» - said Lois P. Frankel - the famous American writer and psychologist. But she knew very well how to manage the family budget and personal finance.
