Merging the Finances
财务合并
The Wrong Approach: United we stand, divided we bank.
错误认识:要么都一块花,要么各自存起来。
Right Approach: It's yours, mine and ours.
正确认识:资金是你的,是我的,也是我们大家的。
One of the first issues newlyweds face is how to handle their finances. Should you merge everything you have and earn into one joint account, or should you maintain individual accounts and open a joint one for household expenses?
新婚夫妇面对的首要问题之一便是如何进行财务管理。该将双方所有的固有资金及盈利都放到一个共同账户中,还是二人分别拥有各自的账户,然后新开一个共同账户用于存储家庭开支?
For many newlyweds, the right choice may be somewhere in the middle. Assuming you both have a clean bill of fiscal health, finding a way to blend finances comfortably without feeling like big brother is watching every financial move you make can dramatically cut down on fights. Over time – once kids and mortgages come into play – many couples find that merging all their finances is simply easier. But unless you're both comfortable with the idea, there's no need to rush things.
对许多新婚夫妇来说,正确的选择应该介于两者之间。如果夫妻双方都没有负债,就可以找一种合适的方法来进行资金融合,而不要造成一种总有一位老大哥盯着你每一笔资金流动的感觉,这样一来可以显著减少夫妻之间的争吵。时间长了——等孩子和房贷问题出现时——许多夫妇都会觉得将资金合并会让日子更好过一些。不过,除非双方都习惯于这个方式,否则还是应该慢慢来。
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