You often struggle to maintain a perfect balance between spending too much and spending too little in your married life, don’t you?
You are not alone.
When you spend too much your spouse calls you a spendthrift.
When you spend too little he\she calls you miserly.
Both ways your spouse is completely unsatisfied with the way you spend your hard-earned money.
Your spouse has two contradictory views about spending money.
- He\she wants to enjoy a good standard of living.
- He\she wants to possess many good things in life.
Not only that.
- Your spouse also wants to be financially secure.
- He\she wants you to be careful with the money you spend.
These highly opposing and contradictory financial wishes of your spouse makes you confused. You never really know how he\she really wants you to spend money.
If you are too miserly to spend for the family your spouse feels completely deprived.
‘You are very stingy. You like your money better than me’ he\she accuses you.
But if you are very lavish with your money, you are taken aback by the accusing fingers he\she points at you.
‘You are a spendthrift. You do not care for the financial security of our family. How can you throw away money without thinking about the many commitments we have?’
You scratch your head in bewilderment about the ways to please your spouse in money matters.
Wait a moment.
There is a simple trick to handle this problem.
Never indulge in spending too much and spending too little.
You can easily balance between spending too much and spending too little in married life by spending intelligently
You should rope walk the contradictory expectations of your spouse in money matters. You should spend and save. Neither here nor there, you know.
‘How do I do it? How will I have enough money to save if I spend all of it towards fulfilling the ever-changing wishes of my spouse?’
Your dilemma is understandable. The market is flooded with new and exciting things that give you the much need status symbol. But remember you cannot have everything of it.
If both want all the good things the world has to offer it will be a never-ending procession. So put a brake to your greedy wishes.
Do you know when you are too tight-fisted in spending money you cannot enjoy a comfortable married life?
These were considered luxuries during yester years.
In this modern world these are no longer luxuries, but essential status symbols.
So, you cannot completely deny your spouse all these things in the name of savings.
Your spouse might want a latest mobile phone. Your financial resources will not run dry if you let him\her buy it.
Cars are costly things which you cannot afford to keep changing. Only the very rich can do it. So choose the right one for you.
Choose your electronic gadgets with care so that yours does not become obsolete very soon.
Always buy the best so that you need not keeping changing it.
Both earn well, don’t you?
It is time you plan a house of your own so that you have a roof over your head when you retire. I have seen many couples complaining that their spouse was not intelligent enough to buy a house when the going was good. They struggle to pay a hefty sum as rent with the meager money they have after their retirement.
The financial security of your family is a very important ingredient for you to enjoy a good marriage.
So plan your money sensibly to balance between spending too much and spending too little.
“Money may not buy happiness, but I’d rather cry in a Jaguar than on a bus.” – Francoise Sagan V
Let us suppose you earn 4000 dollars.
Save twenty percent of your hard-earned money. Never delay your savings thinking you need the money for other family commitments. If you do so, you will never save. Most of you fail to save because you always want to spend and save.
Your first spending should always be your savings. It makes your future financially stable.
Next pay attention to repayments and other essential commitments. Never keep a backlog of loans. It becomes a pain in the neck.
Set aside twenty percent of your money for repayments, installments, children’s education and other important family commitments.
Now forty percent of your money has been budgeted. Never break this rule.
The rest sixty percent of your money should be cleverly handled.
Set aside at least ten percent of your money for enjoyment. You feel bored with your married life when it is all duty and no recreation. The ten percent enjoyment must be total and should not be pulled tight by you or your spouse.
Ten percent should be your personal money. It is all yours. Never think less of personal money. When you are denied money of your own you feel all heated up against your spouse.
Forty percent of your money should go towards the day-to-day family expenditure.
Are you worried that you cannot manage the expenses with the forty percent money you have?
You are right. Inflation really cuts into your budget. But when the income both earn is pooled together the money you have for essential expenses doubles.
When both share family expenditure it lessens your burden.
When you have own personal money you are pleased.
When both are financially responsible your repayments are prompt.
These are simple tricks.
You now balance between spending spend too much and spending too little.
Your intelligent financial strategies has played the balancing trick. Do not spend too much and throw your financial safety to the winds. Do not cling to your money and deprive your family many enjoyments the modern world now offers.