How to talk about money and not to kill each other

If you spend hits the causes that give rise to quarrels in the family, the financial issues will take it for sure one of the prizes. Find a common language in the distribution and preparation of the budget is much more difficult than to gain understanding in the other, sometimes much more subtle matters. Especially if you and your partner very different views on it. Therefore, we want to introduce you with some tips that may come in handy in dealing with financial issues in the family and with business partners.

Explore the origins

Before you get involved in the struggle for financial decisions, try to understand the behavior of your partner's background. In what family he grew up? Maybe he \ she had been taught from childhood to cherish every penny? Or on the contrary - the house has never been a need and people did not know of any denial of their desires? We often unconsciously copy the lessons in childhood behavior patterns on their adult lives, and this may be the key to understanding the behavior of a partner in financial matters.

Establish trust

There is nothing more valuable than the mutual trust in such matters, it does not matter it concerns conduct of the general budget of the family, or co-ownership of a large company. This can be really difficult, because sometimes we have and pulls buy something without telling the partner about spending, as well as voice and sounds sweetie, that "no one will notice" in the head. However, remember that money comes and goes, but trust gets very hard, and lost in an instant. And yes, "all secret sooner or later becomes clear" - it is really true.

Have common goals

Financial understanding and well-being is impossible without a clear and precise idea of ​​the joint objectives and the means to achieve them. Ideally, if you and your partner the same aspirations and priorities, whether it is a joint holiday abroad or buying a new car. If everyone is their future in different ways and has a completely different interests, the financial collapse is inevitable.

Leave «just for fun» means each

Most of the differences in the family over money usually occurs on the basis of the fact that one partner does not like the way the other controls the means. Anger and quarrels about the "stupid purchases" and "unnecessary costs" are very frequent, contributing not only to the mutual irritation, but also threatening the existence of the family further. However, all of these troubles can easily be avoided if each family member has a certain, pre-determined amount of money that he can spend on "a favorite." You can spend this amount at a time, and you can save up for a certain period and to get something big. The main thing that the game rules have been worked out together and rigorously adhered to both.

Manage together

If you find that you and your partner constantly argue about money, then it is time to put things in this order. Sit down together once a week and discuss your budget over the past week. Plan a rough plan to the next. Understand where the money come from and where to go in the end. This not only helps to keep your budget under control, but also creates mutual trust, a sense of responsibility, it is helping to develop a common goal, that is exactly what we were talking about that in the previous points.

Keep track of expenses

Take in the habit of writing down your expenses and incomes. This will help you not only to collect data for a detailed analysis of the structure of your cash flow, but also to keep you from rash of spontaneous purchases. There are plenty of applications for accounting of its waste, some of which we describe in our category Personal Finance layfhakera.

It is hoped that these tips will help you achieve harmony in such a complex field as financial relationships. Most importantly, remember that openness, honesty and understanding will help you avoid some tensions that can arise if you start talking about money.