Saturday, 31 October 2020 | 13:50 WIB

An Advice on the Smart Way for Newlyweds to Manage Family Finance

An Advice on the Smart Way for Newlyweds to Manage Family Finance (pixabay)

JAKARTA, NETRALNEWS.COM - Psychologist Roslina Verauli, M.Psi, says that as a newly married couple the main factors that become the basic foundation to building a household are communication, openness, and mutual respect for each other.

The issue of openness between married couples is very important, including the issue of income and expenditure, respectively.

Openness to each other will make each partner know about the conditions that actually occur within their small family, so that eventually the husband or wife realizes the true ability in terms of income to avoid the occurrence of economic crisis in the family.

In addition to the issue of openness, each new couple must both make an agreement on who is the main driver or breadwinner, only one or both in a balanced way.

After the agreement, mission goals or vision must be held for joint finance. At least from the beginning of marriage you and your partner should start to know what will be achieved and carefully planned.

In addition, lifestyle spending and savingsis a major concern. Sometimes the habit of managing each of the couple is not the same as each other. Some have a sender type or a frugal type.

Although different types of financial management but both types should compromise with each other to find the midpoint. Finally, it takes commitment and full consistency to live all the goals or targets that have been agreed upon.

On the other hand, for newly married couples, inevitably the amount of expenses that occur can increase,  especially for those who decide to live alone in a new home without the intervention of each family.

Despite the large amount of expenses that a new household needs to fulfill, it is important to realize that not everything can be achieved immediately in a short time. A continuous process is needed to achieve a goal as long as it remains consistent.

For that, the first step that needs to be done is to make a list of goals and needs to be achieved and register the amount of expenditure required for each requirement.

The second step is to make the priority scale to be met immediately and which can be delayed. After making a priority scale then husband and wife can set the time period when each goal and needs can be achieved but still adjusted to the ability possessed at the time.

By running a household life, especially the economy will gradually reduce the burden of spending and financial life becomes more well ordered.