Husbands and wives have different consumption concepts, how to manage money together

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If the husband and wife have a poor concept of consumption, then they can use a notebook to write it down. Let's analyze it together, so that you can get a good change, and you won't spend indiscriminately.

There is a big difference in the consumption concept between husband and wife, so it is appropriate to tolerate it, move closer to each other, not necessarily who changes whom, just let each other a little.

Then buy your own things, or two people move the consumption concept closer to the middle, so that both people will feel good!

Then you have to communicate more, and you have to respect the other party's ideas, and you can choose to take a step back.

It is not a strange thing that there are different consumption concepts in a family, and it is not possible to talk about who is right and who is wrong. Take your family, for example, you may be a more optimistic person, confident in your future, and believe that you will always be able to earn a salary. In terms of consumption, you think that money is for enjoyment, otherwise what would you do with it?

And your husband may be someone who is more financially conservative, and he will realize that there are still many uncertainties in the future and he needs to accumulate some funds in case he needs them from time to time. In terms of spending, he wants you to be restrained and not to spend money that you shouldn't spend. Since there is a disagreement, the best solution is communication.

How to communicate? First, you need to agree on your financial goals. You and your husband won't have exactly the same financial goals, but you can make a list of them.

For example, if you like to go shopping and shop, what is the approximate amount of money per month, and he wants to prepare a large amount of money for his children's education in the future. With these goals in mind, you also need to make some comparisons to see which goals are more important and must be achieved first. Especially in the absence of sufficient resources, if it is difficult to achieve several goals at the same time, trade-offs must be made, and some of the goals will need to be sacrificed.

For example, if you can't achieve the goal of raising children by relying on monthly salary income alone, and this goal has a high priority, you need to change your current spending habits, reduce your daily expenses appropriately, and prepare for parenting. Of course, you may also feel that raising children is not a very important thing, if you have money, you can raise it, if you don't have money, and shopping can bring you more happiness, then it is no problem to continue to maintain your existing lifestyle and consumption habits. Of all the goals, the goals that both spouses wish to achieve together are obviously the most important and should be achieved first, and the realization of these goals can increase the happiness of the family and at the same time, reduce family conflicts.

Second, you need to agree on a path to achieve your financial goals. It's not enough to have financial goals, you also need to have the means and paths to achieve them. Usually, there are only two ways to achieve financial goals, one is to open source, and the other is to reduce expenditure.

There are two main ways to open source, either to increase salary income or to increase property income. In the case of a recession and slow wages, the road to open source is not easy to follow. At this time, it may only be possible to use your brains in terms of throttling.

I don't think it's particularly difficult for you to reduce your shopping expenses in order to achieve your common financial goals. Once your financial aspirations have been fulfilled one by one, you may be far happier than every shopping experience. It's true that money is for enjoyment, but we can't afford to ignore long-term benefits for the sake of immediate enjoyment.

We need to live happily ever after, not for a while. I hope that you can seek common ground while reserving differences on the basis of full communication, and live a happier and more fulfilling life.

Marriage is the most important thing in life, you must choose the right partner, only with the right partner, the future of married life will be happy.

For example, whether the consumption outlook of two people is the same affects the happy life after marriage. Relevant data show that the more similar the couple's consumption outlook, the greater the happiness index. 1. How to distribute property before marriage, many couples will have disputes because of property problems, if both husband and wife have family businesses, then the prenuptial agreement must be signed before marriage, and the agreement details the distribution of property to avoid disputes in the later stage.

2. How long do you have children after marriage, and who will take the children, this is a question that many young couples are more confused about, raising a child is very hard, so both husband and wife must have one person go out to earn money to support the family, and the other person to take care of the children.

3. There are a lot of places that need to spend money after marriage, so you need to determine the consumption concept of both parties before marriage.

4. Who will decide the affairs of the family, there will definitely be many big and small things after getting married, and it can be decided that the small things will be decided by the woman, and the big things will be decided by the man.