How do you manage your money when you just get married??? How do I manage my money after I get marri

First: it's important to determine who is in charge of your money.

Second: the principle of financial management: such as investment or savings? That's what financial management is all about.

First of all, congratulations, because you can ask this question to show that you have a strong sense of financial management, which is rare!

Generally speaking, theoretically, people have to go through six financial planning times in their life, but due to personal factors and environmental limitations, few people consciously manage their finances. As the saying goes: if you don't manage your money, money won't care about you. Your own wealth is lost because of your own unplanned behavior.

Simply in your case, since you have just gotten married, you shouldn't have any children yet. Then this is the time to allocate the funds reasonably:

income as a deposit (30% for regular and 10% for current, which can avoid the convenience of emergency use);

The income can be invested in some less risky channels, such as: **. If you have the ability, you can also invest a certain amount of money in **, **, etc.;

It is necessary to purchase serious illness insurance and accident insurance for the husband and wife.

As a mobile savings, it can be fixed, mainly for the purpose of having children later. The couple discussed having a child in a few years, so they can calmly save part of the cost of the child in these years without affecting the quality of life.

Marriage is an important turning point in life, which not only means two people living together, but also comes with a series of financial responsibilities and expenses. However, some expenses may be unnecessary, and there are ways we can cut them down and save more money. This article will take a look at some of the unnecessary expenses you need to spend after marriage and offer some tips to help you manage your finances and reduce your living costs.

1. Balance of wedding expenses.

1.Simplify your wedding: Consider a simpler wedding ceremony that doesn't necessarily require a fancy venue and expensive wedding dresses. Appropriately control the size of the guests and various expenses, and pay attention to the essence and meaning of the wedding.

2.Wedding planning budget: Make a budget for your wedding to make sure you don't overspend and avoid overspending.

2. Budget-conscious household expenses.

1.Streamline your shopping spend: Avoid impulse purchases and luxury purchases, make a smart shopping plan, reduce the impact of brand premiums, focus on discounts** and use coupons.

2.Rational consumption of electricity: Save energy, such as using high-efficiency appliances, turning off unnecessary electrical equipment in a timely manner, etc.

3.Manage food expenses: Cook your own meals, avoid eating out frequently, pay attention to the reasonable combination of ingredients, and reduce waste. Pay attention to supermarket deals when you buy.

4.Reduce entertainment spending: Choose affordable forms of entertainment, such as outdoor activities, weekday tickets to the movies, and free resources like the library.

3. Rationally plan financial goals.

1.Make a budget plan: Plan your monthly income and expenses reasonably, set a savings target to clear your losses, and execute according to the plan.

2.Establish an emergency**: Provide financial reserves for uncertain future events and reduce unexpected expenses due to unexpected events.

3.Rational borrowing: Avoid excessive borrowing and high-interest loans, make reasonable use of credit cards, buy goods in full, and avoid unnecessary interest expenses.

Fourth, the two sides work hand in hand.

1.Communication and cooperation: Both parties clarify financial goals and values, jointly carry out spending plans and decisions, and reduce unnecessary economic disputes through effective communication and negotiation.

2.Sharing economy: Try to share resources and services, such as sharing cars, renting furniture, etc., to reduce personal expenses for purchase and maintenance.

Conclusion: After getting married, managing your expenses wisely is essential to save money and achieve your financial goals. By carefully calculating family expenses, planning wedding expenses, and managing finances wisely, we can cut unnecessary expenses and improve financial stability.

After getting married, there are some unnecessary expenses that can be saved, such as:

1.Luxury and brand-name items: Buying luxury and brand-name items is an unnecessary expense that can be saved by opting for more affordable alternatives.

2.Dining out: Eating out frequently and ordering takeout can add to your expenses. In contrast, cooking at home and bringing your own meals can be more economical.

3.Recreation and leisure activities: Participating in expensive recreational activities and trips can add to expenses. You can look for more economical ways to relax, such as outdoor activities, cultural exhibitions, etc.

4.Subscription services: Subscribing to various services such as TV,**, movies, etc., may increase your monthly overhead. You can evaluate the services you really need and cancel unnecessary subscriptions.

5.Bank and credit card fees: Avoid paying high bank and credit card fees and opt for a financial service provider with low rates or no fees.

6.Vehicles with high operating costs: If you have a vehicle with high operating costs, such as high fuel consumption, expensive maintenance, etc., you can consider switching to a more economical model.

7.Unnecessary renovation and home shopping: Avoid unnecessary renovation and home shopping to reduce additional expenses.

8.High-interest debt: If you have high-interest debt, such as credit card debt, you should pay it off as soon as possible to avoid paying high interest charges.

9.Unplanned shopping: Avoid impulse shopping and unplanned shopping, and you can control your spending by creating a budget and shopping list.

10.Over-insured: Assess your insurance needs and avoid over-insuring to save money.

1.Create a budget: Work with your spouse to create a detailed budget that includes both fixed expenses (e.g., rent, utilities, etc.) and variable expenses (e.g., food, entertainment, etc.), and stick to the budget closely.

2.Energy conservation: Pay attention to energy conservation, such as turning off unnecessary lights, reducing water consumption, and using air conditioning and heating wisely to reduce water and electricity bills.

3.Eat less often: Reducing frequent dining outings, cooking at home and bringing your own meals as much as possible can reduce food and beverage costs.

4.Shop smartly: Compare when shopping, look for deals and discounts, and avoid impulse purchases. A shopping list can be used to avoid buying unnecessary items.

5.Reduce entertainment expenses: Choose more economical entertainment activities, such as outdoor sports, choose the best day when watching movies, etc., to reduce high entertainment expenses.

6.Optimize communication costs: Evaluate the demand for communication services, choose the right ** and carrier, and avoid paying unnecessary costs.

7.Save transportation costs: Choose public traffic Kaizhaotong travel or reasonably plan travel routes, reduce the use of cars, and save fuel and maintenance costs.

9.Reduce the cost of debt: If you have high-interest debt, such as credit card debt, you should pay it off as soon as possible to avoid paying high interest charges.

10.Face-to-face communication: Communicate face-to-face with your spouse to develop financial goals and plans together, and support and supervise each other to ensure that family expenses are managed appropriately.

Through proper planning and cost savings, it can help the married family to increase revenue and reduce expenditure, and improve financial stability.

After getting married, here are a few things you can consider to save unnecessary expenses:

1.Create a budget plan: Create a detailed family budget plan that includes both fixed and variable expenses. This gives you a better grasp of your family's finances and avoids unnecessary spending.

2.Rational consumption: When purchasing goods or services, you should consume rationally and avoid impulsive purchases. Consider creating a shopping list that follows the principle of "need before you want" and avoid buying unnecessary items.

3.Be budget-conscious: In everyday life, look for ways to save money. For example, give preference to affordable brands or products, make reasonable use of coupons and discounts, and minimize eating out.

4.Reduce waste: Take care to conserve energy, water, and food to avoid waste. For example, use electrical equipment reasonably, turn off lights to save energy, and arrange food purchase and consumption reasonably to reduce food waste.

5.Establish an emergency reserve: Establish an emergency reserve fund to respond to sudden emergencies. This avoids financial difficulties due to unexpected expenses.

6.Regular assessment of expenditures: Regularly review and assess household expenditures to identify and reduce unnecessary expenditures. This keeps your finances healthy and stable.

Usual practice. 1.Drink water, not drinks. Drink from tap water at home and do not buy drinks. If you need a drink, you can buy juice or make your own.

2.Save money on your electricity bill. Turn off the lights and turn off electrical appliances when not in use.

3.Rational use of air conditioning. Do not overuse the Yuanyuan air conditioner at home, just use a pleasant temperature.

4.Make the most of your shopping vouchers and make the most of your offers.

5.Try to eat less takeout and fast food.

6.Save on household expenses and reduce unnecessary consumption when necessary.

7.Reasonably plan your travel plan and pay attention to the cost control of all links.

8.Choose a reasonable work plan and take into account your work and play plans.

9.Always pay attention to collect all kinds of information that can be discounted.

10.Save water and minimize it while ensuring the quality of life you live in.

Remember, saving money doesn't mean sacrificing quality of life or happiness. Through rational consumption and rational planning, we can better manage family finances and achieve a balance between saving and meeting the needs of Tonglun's life.

The first step in financial management is to save, and the balance can be saved for a short-term fixed period each month and accumulated slowly. There is also currency for a little insurance**.

It is necessary not only to reduce expenditure but also to open source, and if you don't have children, find a job and have an extra income is the king.

Start by depositing some fixed deposits at the bank.

My husband often leads a group, and you can increase accident insurance appropriately. How much can I save for a fixed monthly income and expenses? If you have a balance of 300-500 yuan, you can consider making a **regular investment (regular investment ** or index **, long-term holding, you can get a relatively high return).

60,000 deposits, divided into 3 parts, 20,000 currency**, 20,000 buy bonds**, 20,000 shares of bonds mixed **, so that the income is from low to high, and the currency and bonds** belong to the principal-guaranteed type, which can be redeemed at any time, and the alternative products of fixed deposits at that time can obtain relatively high returns. When the time comes, if you have a child, you can pay for the birth of a child.

Commercial insurance for two people can also be given due consideration. The main thing is to see how much balance can there be, or how much is the year-end bonus?

Both of you are still relatively young, and it is also necessary to consider making appropriate investments in your own re-education and improving the competitiveness of your future careers.

If there are no other additional expenses, I suggest that you save a fixed amount, that is, to save a fixed amount of money every month, according to your situation, I think you can save up to 2000 per month, but this is determined according to the individual situation, and there is a fixed investment, our family now has a monthly income minus fixed expenses (loans and the like), the net surplus is about 5000, our family is a monthly fixed deposit of 3000, fixed investment 800, so that there are more than 1000 points of money in hand, it is enough. According to the actual situation, you can manage your own finances, so don't buy any insurance or the like, and don't touch it! Although our family is also **, we can only earn living expenses, vegetable money, and the like every month, and we can't make a lot of money.

According to your situation, you can use 20,000 yuan to buy a commercial insurance for yourself and your husband, 40,000 yuan can be deposited in the bank, if you want to manage your finances, you can do a **fixed investment, take part of the money from the monthly salary, have 200 yuan on the line, invest for a longer time, make sure you don't lose, you had better not touch, the risk is too great.