新婚夫婦常犯的3個(gè)金錢錯(cuò)誤

新婚夫婦常犯的3個(gè)金錢錯(cuò)誤

If you're getting married, it's critical to be on the same page as your partner when it comes to managing your finances. In addition to intertwining household bills and chores, you'll also have to consider whether you'll share a joint checking account, how you'll file a joint tax return and other money matters. So, to avoid common disagreements about money and start your marriage off right, it's crucial to ensure you share the same financial values and attitudes about spending, saving and debt. With that in mind, here are common financial blunders newlyweds make – and how to avoid them.

如果你要結(jié)婚了，在理財(cái)問(wèn)題上和另一半保持一致是很重要的。除了把家庭賬單和雜務(wù)混在一起，你還必須考慮是否要共享一個(gè)共同的存款賬戶，如何提交聯(lián)合納稅申報(bào)單和其他金錢問(wèn)題。所以，為了避免在錢的問(wèn)題上產(chǎn)生常見(jiàn)的分歧，讓你們的婚姻有一個(gè)良好的開(kāi)端，確保你們?cè)谙M(fèi)、儲(chǔ)蓄和債務(wù)方面擁有相同的財(cái)務(wù)價(jià)值觀和態(tài)度是至關(guān)重要的?？紤]到這一點(diǎn)，以下是新婚夫婦常犯的財(cái)務(wù)錯(cuò)誤——以及如何避免這些錯(cuò)誤。

Differing financial attitudes and beliefs

不同的財(cái)務(wù)態(tài)度和信念

You and your partner may think differently about budgeting and spending. The key is being open about your money mindset. "Often, newlywed couples tend to gloss over their differences in money matters and fail to establish clear expectations around money within the marriage. This is a great pitfall and can ultimately lead to trouble down the road," says Gabrielle Hartley, a divorce attorney and owner of Hartley Law and Mediation in Northampton, Massachusetts. She is also the co-author of "Better Apart: The Radically Positive Way to Separate." Share your perspective and talk about your goals, Hartley says. "It is super important that you communicate with one another about spending and saving, right upfront."

你和你的伴侶可能對(duì)預(yù)算和支出有不同的想法。關(guān)鍵是要公開(kāi)你的金錢觀念。通常情況下，新婚夫婦傾向于掩蓋他們?cè)诮疱X問(wèn)題上的分歧，并不能在婚姻中對(duì)金錢建立明確的期望。這是一個(gè)很大的陷阱，最終可能會(huì)導(dǎo)致麻煩，”加布里埃爾·哈特利說(shuō)，她是一名離婚律師，同時(shí)也是馬薩諸塞州北安普頓哈特利法律與調(diào)解公司的老板。她也是《更好的分離:徹底積極的分離方式》一書的作者之一。哈特利說(shuō)，分享你的觀點(diǎn)，談?wù)勀愕哪繕?biāo)。“在最開(kāi)始時(shí)，你們?cè)谙M(fèi)和儲(chǔ)蓄方面進(jìn)行溝通是非常重要的，。”

Hiding financial secrets

隱藏財(cái)務(wù)秘密

Concealing a financial predicament from your partner can be particularly problematic, says Melissa Fradenburg, a wealth advisor with Lakeshore Financial Planning in Saint Clair Shores, Michigan. "Whether it's a bad credit score, a large credit card balance or outstanding school loans, these things should be discussed prior to tying the knot," Fradenburg says. "If you think your future spouse will no longer want to marry you over these secrets, it probably isn't a relationship built to last anyway." If you're buried in debt, your spouse will find out sooner or later when you go through the process of buying a home or filing taxes. "It's best to be open about your financial situation from the start," she says.

密歇根州圣克萊爾海岸湖岸理財(cái)規(guī)劃公司的財(cái)富顧問(wèn)梅麗莎Fradenburg說(shuō):“向你的伴侶隱瞞財(cái)務(wù)困境可能是特別大的問(wèn)題，無(wú)論是不良的信用評(píng)分、巨額的信用卡余額還是未償還的助學(xué)貸款，這些都應(yīng)該在結(jié)婚前討論清楚。”“如果你認(rèn)為你未來(lái)的伴侶因?yàn)檫@些秘密而不再想和你結(jié)婚，那么這段感情可能就不會(huì)長(zhǎng)久。”如果你債臺(tái)高筑，你的配偶遲早會(huì)在你買房或報(bào)稅時(shí)發(fā)現(xiàn)。“最好從一開(kāi)始就公開(kāi)你的財(cái)務(wù)狀況，”她說(shuō)。

Not having a future money plan

沒(méi)有未來(lái)的理財(cái)計(jì)劃

Aside from fixed monthly expenses, such as a mortgage, utilities, car payments and so on, you need to discuss how much you want to allocate for extra expenses, such as clothing and travel, Fradenburg suggests. Many couples have joint accounts, "but I recommend that couples keep some spending autonomy when combining their finances," Fradenburg says. "Spending autonomy and money secrets are not the same thing. When you open a joint account or work through a household budget together, a newlywed couple should come up with an amount that they can each spend on miscellaneous items each month." This can be accomplished by having individual credit cards or separate checking accounts as well as a joint checking account.

Fradenburg建議，除了每月固定的開(kāi)支，比如抵押貸款、水電費(fèi)、汽車付款等等，你還需要討論你想為額外的開(kāi)支，比如衣服和旅行，分配多少。許多夫妻都有共同的賬戶，“但我建議夫妻在結(jié)合財(cái)務(wù)狀況時(shí)保持一定的支出自主權(quán)，”弗拉德伯格說(shuō)。“自主花錢和花錢的秘密不是一回事。當(dāng)你們共同開(kāi)一個(gè)賬戶或者一起做家庭預(yù)算的時(shí)候，新婚夫婦每個(gè)月應(yīng)該拿出一筆他們各自可以花在雜項(xiàng)上的錢。”這可以通過(guò)擁有個(gè)人信用卡或單獨(dú)的支票賬戶以及一個(gè)聯(lián)合支票賬戶來(lái)實(shí)現(xiàn)。