Shuangxin family 3 forms of financing

While the men outside the home, home of the family model is very popular with some people respected, but in the modern metropolis, also is shuangxin family, the majority. Marital family overhead, its financing forms is also determined by shuangxin. Shuangxin family finance and common form has the following 3 types.

Average share type: couple from their incomes in the matching money in the joint account to cover daily living expenses and fees. Remaining income to decide how to use it. The advantage of this approach, marital expenses for family life, also have full for the disposal of the personal section; disadvantage is that income higher than when one party to another party, you may
Problems can arise, less income to less disposable income of the party aggrieved.

-Sharing ratio: proposed must cost the couple according to income ratio. 60% party revenue accounts for household income, give 60% its income, the remaining part of the free allocation. It has the advantage that, based on personal income of the spouses to share the family planning Association; disadvantage is that with the increase in income or expenditure, one party may be dissatisfied.

All together: husband and wife both revenue collection, to pay for the family and personal expenditure. Benefits of this approach is that, regardless of income level, and the two are equal, lower income will not be reduced by the Party of his or her disposable income; disadvantage is that this method make marital differences or disputes resulting from expenditures are divided.

Comprehensive analysis of shuangxin double income families will create illusion, or think their salaries run out there after others, as a result, more salaries did not increase their income, but more of a burden. In such cases, the spouses should control each other bad habits. Best opened two bank accounts to handle the payments. One is a joint account, that is, both husband and wife may withdraw accounts, both husband and wife from her earnings equal the money raised in the joint account to cover daily living expenses and fees. Second, their independent accounts of husband and wife, that only open an account can use. Open a separate account is the account the benefits of clear, if you have a special financial burden, such as alimony or living expenses of parents, separate account is also more convenient.