Micro-course of property finance

If your girlfriend or your partner asks you to hand in your salary card after marriage, you will break up if you don't! Who would want an irresponsible person?

What should you do?

This is a dilemma that many male compatriots will face after marriage or even love.

I also want to keep my property, but not meeting makes my other half angry.

I always feel that the other party is too greedy for money.

In fact, is this really the case? Maybe you don't understand the meaning behind this behavior of women.

Three reasons to care about "whether my husband has handed in his salary card"

Why does she care whether the salary card is paid or not? Is the girlfriend too "greedy"?

Psychologist Wu Zhihong once analyzed the marriage between Cecilia Cheung and Nicholas Tse. He said that controlling money is most likely to appear in insecure people. Cecilia Cheung crazy to buy real estate, want to get a certain share of "Bao Chao Ting", which is a strong desire for control.

For people with low sense of security, it is easy to imagine a person who loves him 100%, and all decisions must follow his own will. When the two sides disagree, they often make a black-and-white choice. If you love me, give me money and let me control it. Parting without money proves that you don't love me and have no sense of responsibility.

Girlfriend's "no love" is the embodiment of insecurity. In fact, this kind of "no love" is exactly what I think, and it is the illusion that my inner insecurity projects and feeds back to me.

This sense of insecurity may also come from having no money since childhood.

Some women want men to hand over their salary cards, which is a temptation. She is testing the sincerity and depth of each other's love with money. In fact, she really doesn't want to manage money. If the other party agrees, she may not necessarily ask the other party to hand it in, but if the other party refuses, it will affect the subsequent emotional development.

There is a saying that a man who is willing to spend money for you does not necessarily love you, and a man who does not spend money for you must have no love.

There is another reason for women who agree that "salary cards should be issued". "My family told me that men become bad when they have money, so just leave them some pocket money."

Women worry that rich men will face more extravagant entertainment or make eyes at them. If you don't see the bigger scene, your horizons will be higher, and at the same time you will bring home your external vanity. When you go home, you will be more and more dissatisfied when you see your other half.

If you can control the economic power, it will be different. Almost all girls will be familiar with a sentence written by Xibao in Yi Shu, "If there is no love, it is good to have a lot of money."

In a word, a woman should "give her husband a salary card". Is it really a card she cares about? She wants more than just a card! She may be insecure for a long time and hope to use money to protect her life; Or just want to verify whether the other half loves her wholeheartedly and unreservedly; Or worry that "men are bad when they have money", so we must firmly control financial power.

Excessive currency control will lead to "financial infidelity"

Women want salary cards for different reasons, but they all express the same signal, hoping to give themselves more economic security and marriage security.

However, marriage is an alliance of two people, not one's wishful thinking. A sense of security is like quicksand in your hand. The tighter you hold it, the faster it will run. Zhang Defen, the author of Meeting the Unknown Self, said, "The more insecure and dignified a woman is, the more she will push her husband to the outside woman. It's as if you are holding him with one hand and pushing him out with the other. "

If "sense of security" refers to the environment and "feeling" is our own perception, which is from the inside out, then building a sense of security should be found from the heart, and building a sense of security for money does not require us to maintain our own economic independence or be good at managing family money. Only the ability to make money has a truly unbreakable sense of security.

Moreover, men will have a lot of social needs outside. The man who pays the salary card has no dignity and freedom at all when he touches his pocket and spends some money. In the long run, this excessive control of money will easily lead to the "financial derailment" of the other half, and even emotional breakdown.

What is "financial infidelity"? To put it simply, both parties or one party began to conceal their financial situation from the other party, including:

-have private money;

-secretly borrowing money outside;

-don't tell each other that you have a raise or a bonus;

-I bought expensive things without telling each other.

Some netizens complained that I didn't want to hide my private money, but I couldn't help it. The monthly pocket money is only 1000 yuan, and there is not much money left for gas and cigarettes. When you are in a mess, you have no money to pay the fine, and you dare not attend the party. In the end, I had no choice but to secretly set up a card and put the funds I got and the extra money I earned in another card.

Some netizens said that they get paid every month, and there is no feeling of a salary increase. What is the motivation for hard work? What's the point of such a marriage?

It can be seen that excessive control will lead to financial derailment, destroy the most precious trust in marriage, and form a series of vicious cycles.

What do smart women do?

Do you want to talk about money in marriage? Of course. However, because everyone has different attitudes and ways to treat money in marriage, talking about money requires accommodation skills, and "handing in salary cards" is a more arbitrary and blunt expression.

We can learn from the PDCA method of management to manage family finances, because the ultimate goal of financial management is to hope that there will be more and more money at home and at the same time have the ability to resist external risks.

PDCA consists of four parts, namely:

Planning: to formulate the plan and specific objectives of the project;

Do: start the task and organize its implementation;

Inspection: check the key points and results of the project to see if there are any omissions;

Action: Correct the deviation, standardize the project management, set new goals and make the next round of plans.

Plan:

Discuss the dream goals of the family, but introduce the financial goals.

Binkou, the author of McKinsey's Money Management Law, and his party got married at the age of 27. After consulting with his wife, he decided to work together for the other half and return to Okinawa, Japan in 10. From this goal, families should achieve the goal of saving 6 million yen.

For example, your family dream goals are divided into long-term goals and short-term goals. What are they? What kind of financial support is needed to achieve different goals.

Around the goal, we can make detailed plans, including:

1, create a balance, buy less clothes, travel three times and change once can reduce some expenses, strive to work after work to increase income, and save the first bucket of money for the family as soon as possible. When families have surplus funds, they begin to manage their finances, and they are good at it, or they are managed by a strong-willed party with more time.

2. Develop a family financial risk transfer plan. For newly established families, medical insurance and accidental injury insurance can be given priority, and regular critical illness insurance can be configured when the economic capacity allows.

3. Financial transparency. Husband and wife can spend their own money, but the account and password are transparent and open to each other, and they have the right to view each other's various consumption records. The two sides can also set up family account and deposit their money separately, so as to earn more money and less money. The cost of this account needs to be approved by both parties.

Do:

Bookkeeping: There are three kinds of bookkeeping.

First, record the amount of assets, liabilities and net assets and know your own investment;

The second category, large expenditures, including children's tuition fees, training fees, car maintenance fees, old people's fees, insurance fees, etc. , know what the annual fixed large expenditure is;

The third category, daily sporadic bookkeeping, to understand the flow of daily expenses.

In addition, at the beginning of each year, establish and fill in the annual family cash income and expenditure statement with the other half, which has the advantage of further making family assets transparent.

Calculate the estimated annual income of both parties, and predict the family income in the new year through the past. In case the gap is too big to reduce the expenditure, you can consider using your savings temporarily or looking at job opportunities outside to make a choice to maximize the family interests.

The statistics of the coming year will produce various predictable expenditures, including mortgage, food, child care, automobile, education, clothing, travel, medical care, entertainment, social interaction, pets, aunts and other consumption, as well as family investment and liabilities.

Check:

Set up a family finance day, and complete the discussion on the rationality of each expenditure at least once a year. If possible, it is best to communicate and reply once a month and once a quarter. Including:

Whether the expenditure is unreasonable or overspent, and whether the next budget should be compressed to make up for the overspent;

Whether it is necessary to adjust the family's financial goals;

Whether to set aside more sufficient reserve funds for education expenditure;

Whether the family emergency funds are sufficient.

It is very necessary to discuss and discuss again, which can be regarded as a rational identification process of family life style and quality of life.

Acton:

Output new forms and documents according to the new plans and objectives reached by both parties through discussion, including:

-Asset Management Form

-Statement of cash receipts and payments

-Whether each party has overspent, and improve the preparation and implementation of the plan.

-Whether the dream goal is adjusted, whether the current gap is narrowed, and whether there is a new income increase plan.

For women, handing in salary cards should not be the main contradiction. The key is whether the money at home is increasing, and whether the relationship between yourself and your partner is equal, relaxed and free. The feelings and money in marriage need to be constantly managed in order to live a long and practical life.

? The ending?

What can Rainbow Leopard Finance do for you?

| For the children?

Online finance and business micro-course-by age group

Offline theme camp

For parents.

"Talking about money with children" online public welfare class

Mom financial management course

| To the institution?

Customize the development of online and offline courses

System service scheme for new and old customers

? Excellent course?

Chen nian: junior finance and business course 2 1: exploring wealth

Scan code for audition or purchase ↓↓↓↓↓

Contact the course assistant: cai8v5

Join the "Youth Finance and Business Course" WeChat group to receive student benefits.

You might like it, too

Three secrets of doubling income

Free of charge. Is it really free?

How to avoid the cheats bought by buy buy?

Is money consuming or nourishing your marriage?

A good mother is better than a good teacher,

How to cultivate children's financial quotient in the family