Mr LEE and Ms Hui married more than a year, both are collar, income money, ideas ahead, two person notarized property before marriage, marriage and can\'t wait to implement the AA System. Both the savings and income, and has its own responsibility, Mr Li is responsible for mortgage payments, monthly repayment mortgage principal and interest; ladies responsible for vehicles, repayment of car loan every month. Both sides took out $ 300 per month in their daily lives as household expenses, whether saving or spending money on both claim to have is an out-and-out AA System. Some time ago, when traveling, Lee suffered a car accident, his right leg fracture of the leg, needed an operation and his own savings stock market stuck, income and pay a housing loan, so not too much money for a moment, when Lady produce to save more than 30,000 yuan before marriage \"legal secretly stashaway\" paid for the surgery. But then two men reached a verbal agreement, the $ 30,000 loan in the future, convened by the amortization to Mr LEE. --In family life, money is not the most important thing, after all, the husband had an accident, and then your money, my money, and promised to repay in the future, it will affect the feelings of husband and wife. How to make the AA system family marriage more sweet, fi has made the following recommendations:
AA is not confined to the fiscal deficit
For those who do not want to set financial or inconveniences of implementing the AA system family, innovation, implement the curve AA System.
First, you can implement a people \"money\" a people \"account\" accounting-cashiers. This form of financing by the party to be good at careful cash management, and flexible and accept new things fast is in charge of formulating a family financial management programme of the party. This accounting, Treasury and units, not individual tubes personal money, but in the pipe Division to the small family of their money. Second, you can implement \"competition\". Husband and wife because of the different financial management concepts and financial knowledge, practical financial management level will also be the difference, therefore, is good at Finance shall serve as the home of the Party of \"ownership\". And the system of competition, who\'s good, who proceeds to finance high, who makes money. If the \"induction\" in financing a significant failure in, then you can also let the other party at any time for posts, this \"be bankers by turns, and the fittest\" actual is a way of managing money-AA, for relatively ordinary AA system, fair in this manner, avoiding conflicts between husband and wife, but also ensure the preservation and appreciation of family wealth.
Considerations for implementing the AA system
To adhere to the principle of transparency. Although AA system, but both husband and wife have the right, that is, couples should take the initiative to keep each other informed of one\'s income and savings. If a party takes AA-stealing in the name of the saved his own \"secretly stashaway\", a long time more alert and suspicion between the husband and wife, it is violated by AA system reduce friction and improve quality of life in the first place. Establishment of the necessary domestic mutual funds. No matter how AA system, a small family should have its own \"life Fund\", \"children\'s Education Fund\", as well as House, car, such as \"improve the quality of life Fund\", according to the income of the spouses, each person can come up with a certain income together for storage or investment, earmarked, making it conducive to the long-term planning of the family finance. AA not haggle. Not implementing the AA system every day for your money, my money and who pays, who had the advantage of such trifles and mind, will not become absolute AA 100%, \"a man cannot say two things\", must not distance between alienated couple because of AA System. Both sides had an obligation to safeguard the interests of the family. No matter how clear financing and consumption of, on the contribution to the family should have to do my best, cannot be ignored because of the AA system maintenance to the entire family, while both the fiscal deficit, but don\'t forget a common objective: that is to the small family life better.
Not all families are suitable for AA
Idea ahead of AA system suitable for families. Implementing the AA system is a prerequisite for the couple to this new way of managing money is authorized, if the party does not consent, you cannot blindly AA System. The saying goes, \"strong twisted melon not sweet\", if a party force implementing the AA system will ultimately affect the overall financial effect of the family due to rogue force.
AA system suitable for high income families. The main purpose of implementing the AA system not just in order to spend the money, but also in order to save money. For some lower-income families, their wages only to meet their daily living expenses, then it is not necessary to implement the AA system, using the traditional centralized transactions and centralized financial management will be more useful to save money.
Income families of AA system suitable for couples. Couple\'s income is often different, if the husband\'s monthly salary of $ 10,000, and wife revenue only $ 1000, then implementing the AA system, it is inevitable that \"discrimination against marginalized low-income people\" suspected of. Speaking from the traditional ethics, larger families of income gap between husband and wife should not be implementing the AA System.
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