It is important to discuss your financial goals to avoid arguments when managing the family budget. About this “Moscow 24” It has been said financial advisor Alena Nikitina.
He recommends writing them down and thinking about how you’re going to manage your money, taking into account the goals and desires of all parties. According to him, it’s also useful to keep track of your spending and income for two to three months a year to understand which expenses can be reduced. The expert also recommends trying to create a financial reserve that will cover six months of family expenses, including loans.
He recommends that spouses keep their savings in bank deposits. It is also worth developing an anti-crisis plan in advance in case something happens and a large amount is urgently needed.
“If you spend at least one day a year researching which banks offer what interest rates, which loans are more profitable, this will help you a lot in case of force majeure. If you urgently need a loan, you will be able to save tens, hundreds, and sometimes even a million rubles, since you will not pay extra interest,” Nikitina said.
Financial expert and investor Ekaterina Goncharova previously It has been said Planning and optimizing expenses will help to ensure that more funds appear in the family budget, says “socialbites.ca”.
Previously a psychologist in the name Agree on a family budget before the wedding.