Agree to balance spending

Many women believe that to balance family spending, they need to start by saving small amounts of money.

Ms. Hong Thanh and her husband in Ninh Kieu ward have two young children. Ms. Thanh sells food online at home, while her husband works as a shipper. The couple's monthly income is about 20 million VND. Ms. Thanh shared: "For many years, my husband and I have worked hard but have no surplus. The prices of goods are increasing day by day, and there is competition in buying and selling, so my work is somewhat affected. Because both my husband and I have unstable incomes, managing finances and saving is quite difficult."

Learning from her friends, Ms. Thanh made a clear spending plan, setting aside 10% of her income for savings. Ms. Thanh said: “Seeing my wife saving money in a piggy bank, my husband was very supportive. He also limited his participation in entertainment and did not spend too much on unnecessary purchases. In addition to his time as a shipper, he also took on electrical and mechanical repair work for neighbors. He and I saved all this money in a piggy bank. I was very happy to see that we were of one mind and knew how to share difficulties with each other.”

Tuyet Nhung and her husband in Long Tuyen ward are both workers. Their total monthly income is about 15 million VND, so Nhung has to cleverly calculate their expenses to cover their living expenses, raise their children, and save for the future. Nhung said: “Workers' salaries are not high, so in addition to working hours, I help clean a restaurant; my husband also works for extra income. My method of saving money is to save money in a piggy bank; when I have little money, I save a little, when I have a lot, I save a lot. Thanks to that, after a year, I have saved a decent amount of money to serve the family's big goals.” According to Nhung, the consensus of both husband and wife has helped her family control their finances and avoid sudden shortages.

According to many women, to build a happy family, husband and wife need to have unity and consensus in financial management; most importantly, they need to have a specific spending plan. Ms. Ngoc Tran in Ninh Kieu ward said: “In the past, I often shopped on impulse. Especially when I saw shops selling clothes on sale, I spent money without hesitation. Similarly, when I went to the supermarket, I bought a lot of food to stock up, but when I needed to use it, it was expired and had to be thrown away. That's why my husband often blamed me for spending lavishly. Meanwhile, my husband also spent money quite freely.” To save money, Ms. Ngoc Tran and her husband agreed to adjust their family habits. They limited eating out; cut down on buying unnecessary items. She planned family meals more skillfully…

In reality, not all couples have a common voice in weighing, measuring, and counting family expenses. There are cases where spending habits are kept as when they were single, and there are also people who are too rigid and clear about dividing responsibilities, not contributing to the common fund... Therefore, unity and consensus in managing family finances are very important. That not only helps maintain happiness but is also a solid "shield" to help couples overcome difficult times and shortages. Depending on the circumstances, each couple will have a clever way to manage with appropriate goals, together saving to implement plans for housing, children's education, shopping... gradually improving the quality of life, together building a warm home.

Article and photos: KIEN QUOC

Source: https://baocantho.com.vn/dong-long-can-doi-chi-tieu-a192925.html