How do newlyweds manage their money? 10

Open a joint account, and the two of them negotiate how much to save each month, and manage the rest of the money separately, so that they can have each other's personal space and protect their future life.

You can use a year's income to make investments with a hedging function, such as **, at least it will not depreciate your funds, and you can also make profits from the short term, and the funds are also very liquid.

First buy a commercial insurance for two people, the body is guaranteed, and you can do some capital circulation, such as **, or**, treasury bonds, etc.

1. Have a family fixed deposit.

After marriage, young couples can't be so chic as moonlight when they are in love, they should leave a fixed amount of funds every month to deposit in the bank fixed deposit, and over time, this deposit will become more and more, and it can play an important role at critical moments.

2. Establish various special accounts for the family.

A young couple builds a family, just like a country is built, and everything has to be done in an orderly manner. All aspects of the family need to be spended, and a special ** account should be established. For example, tourism, children's future education, etc., should establish a special fund account.

3. Make a monthly summary of family finances and a summary of family finances every year.

Young couples should develop good financial management habits, and should make a family financial summary at a fixed time every month, summarize the consumption of the month, see if there is any unreasonable place to improve, and slowly find out various money-saving tips and skills in life. Make a summary of family finances every year, and plan the consumption plan for the next year, make a good budget, and spend reasonably.

4. The husband and wife jointly manage the family finances.

Family finances should be transparent and open, although one person can be mainly responsible for managing the finances, but both people should be clear about the family's financial situation, and when it comes to large investment projects, the two should discuss and decide together.

1.Establish a ledger to prevent impulsive spending

It is recommended that small families establish a family account book, grasp the main financial income and expenditure of the family, and know the flow of money, so as to check whether the family finances are healthy and prevent impulsive spending. In addition, the emergency reserve fund is used to ensure the additional expenses of the family in the event of an accident, and it is recommended to set aside the average monthly expenditure of the family (about 20,000 yuan) for 5 months as the reserve fund to ensure the appropriate liquidity of the family's assets.

2. Start investing to increase the annualized expected return of the family

If the income is too small and does not invest, it will neither protect against inflation nor increase the value of the family property, so it is urgent for newlyweds to start investing.

Due to no investment experience, it is not recommended to invest, you can choose ** and expected annualized expected return stable bank wealth management products, asset allocation can be used 50% of the investable funds to buy **type**, 30% to buy balanced and bond**, 20% to buy bank wealth management products. After buying a house, you can take out 40,000 yuan per year from the annual balance of 10,000 yuan to invest, and the investment method can be a combination of one-time investment and regular investment, and adhere to the long-term insistence on obtaining considerable expected annualized expected returns and preparing in advance for future childcare, education, pension, etc. (For example, if you invest 20,000 yuan per year, that is, invest 1,666 yuan per month, continue to invest for 30 years, and the average annualized expected rate of return on investment is calculated at 10% per year, you can get 3.76 million funds after 30 years, which can basically meet the pension expenses after retirement.)

3.Supplement with commercial insurance

Social insurance alone is not enough, it needs to be supplemented by commercial insurance, and in the event of illness or accident, you can be compensated for medical expenses and insurance, which will not drag down your family and reduce the risk to your family. It is recommended to purchase accident insurance and appropriate medical insurance for the purpose of protection, and the principle of purchase is that the annual premium payment does not exceed 10% of the income, and the sum insured reaches about 10 times the annual income. It is not advisable to invest in investment insurance at a high cost to avoid increasing the burden of household expenses.

4.Rational purchase of housing should not be a "house slave".

If you are planning to get married and buy a house, the expected expenditure is huge, and you should choose a rational house purchase within the range that a small family can afford. It is recommended that newlyweds choose to buy a 90-square-meter house worth about 800,000 yuan, and they can choose a second-hand house in the city or a new house outside the city. If you already have a car, the cost of transportation will not increase much.

The funds sponsored by both parties' families can be used to pay for the down payment of the house, and part of the 100,000 yuan deposit can be used for renovation. If the income is not high, it is not recommended that the loan amount is too high, so as not to become a "house slave", calculated from the balance ratio of family income and expenditure, the loan amount should not exceed 500,000 yuan, you can choose 500,000 yuan, 20 years of housing loan, so that the total annual repayment of principal and interest is about 50,000 yuan, accounting for 35% of the total family income, in line with the reasonable ratio of repayment, will not cause excessive burden on family expenditure.

1.Living alone costs: Couples can choose to live together and avoid paying two separate rents or mortgages.

2.Personal expenses: Couples can manage the household finances together and reduce personal expenses by consolidating personal expenses, such as shopping, entertainment, and dining.

3.Expenses for social activities: Couples can combine social circles and participate in social activities together, thereby reducing the cost of independent social interactions.

4.Buying duplicate items: Once married, couples can share household items and equipment to avoid duplicate purchases and save money.

5.Travel and vacation costs: Couples can plan and share the cost of travel and vacations together and enjoy a more affordable way to travel.

6.Insurance costs: Couples can combine insurance plans, such as car insurance, home insurance, and medical insurance, to reduce unnecessary duplicate insurance costs.

The elimination or reduction of these expenses depends on the individual's circumstances and the way the family manages its finances. Each couple should rationally plan the family budget according to their own needs and goals, and make appropriate adjustments according to the actual situation.

It is important to manage finances together after marriage to increase trust and communication between couples, while also achieving financial balance and stability. Here are some tips for managing your finances or:

1.Create a budget plan together: Couples should communicate fully and clearly about the family budget, including income, expenses, savings, etc. When formulating a family budget plan, full consideration should be given to the actual situation of the family's congratulatory information, so as to avoid financial expenditures exceeding the range of family income.

2.Set up a joint account: Husband and wife should set up a joint account for household expenses and savings. If a personal account is required, the couple should also be transparent with each other and keep each other informed of the status of the personal account.

3.Clear division of labor: Husband and wife should have a clear division of labor in the management of family finances, and assign tasks according to their respective occupations, skills and time to ensure the efficiency and orderliness of family economic management.

4.Learn financial literacy: Husbands and wives should fully learn financial literacy, master basic investment, savings and risk control knowledge, and avoid financial losses or unnecessary expenses due to lack of financial knowledge.

5.Stick to good habits: Couples should stick to good habits and actively control their expenses in their daily lives, reduce waste and unnecessary spending, and avoid financial difficulties due to greed and vanity.

In short, joint financial management between husband and wife should be based on trust, transparency and communication, adhere to the principles of equality, division of labor and cooperation, establish financial consensus, jointly manage family finances, and achieve stable and sustainable family financial development.