Find out the most suitable household allocation model. From the early single model of "the husband makes money and the wife manages the money", at least 6 models have been derived so far, but financial experts generally say that no one model can It is called the "best model" because each has its own advantages and disadvantages and is suitable for different families. Some families will also adopt different household sharing models at different stages according to current conditions. Model 1: One person has full control. The salary is given to one person (wife or husband), and she (he) has full control of all household expenses. This method is suitable for couples with sufficient mutual trust. The spouse who has obtained financial power must not only have the ability to manage money, but also have a selfless spirit. He cannot register all movable and immovable properties in his own name, because once the other spouse has the bad feeling of "being a bull and a horse" , it is difficult to maintain a long-term relationship between husband and wife. Model 2: The high-income earner provides part of the household income. For example, the husband only provides a fixed household income, and the insufficient part is supplemented by the wife’s salary. This method is more suitable for families with stable daily expenses. On the other hand, if the wife often has a large gap to make up for, but the husband, who only provides a fixed household income, has a lot of spare money to "treat himself", such as spending a lot of money on personal luxuries, the wife will of course jump on it. Model 3: The high-paid man is responsible for all the household expenses. For example, the high-paid husband is responsible for all the household expenses, and the salary earned by the wife can be used entirely on herself. This is suitable for families with huge income disparities. However, it should be noted that if the expenses are huge and there is no protection plan in advance, there are actually great risks in family finances. The power of habits affects good habits and bad habits that lead to success before the age of 35. Pattern 4: Establishing a separate household account. The couple sets up a separate account to cover their joint expenses. At first glance, it seems to be the most fair, but it also leads to the most disputes. , the problem lies in the definition of "*** same overhead". For example, my wife wants to buy a European antique floor lamp worth tens of thousands of dollars in the living room. The reason is that it not only beautifies the atmosphere of the home, but also can be used as a collection asset, and it should be a common household expense. However, my husband thinks that this is just his wife’s personal preference and objects to it. When payments are made from the same account, similar disputes will often occur. Model 5: Each spouse is responsible for specific household expenses. For example, the husband is responsible for the mortgage and the wife is responsible for general household expenses. If the couple's income is similar and the amount of expenses each is responsible for is not much different, they can live in peace; but if the amount of expenditure of one party fluctuates greatly, or the amount of one party's burden continues to decrease while the other party's burden remains high, the couple will There will still be discord from time to time. Model 6: Each is responsible for financial management goals. For example, the husband is responsible for daily expenses, and the wife’s salary is dedicated to pension preparations. That is, the husband is responsible for achieving short- and medium-term financial management goals, and the wife is responsible for long-term financial management goals. The husband and wife work together and earmark funds. This method allows the family to Disputes are kept to a minimum, but both parties must have certain financial management skills to avoid losing both ends. When couples talk about household allocation, they must first establish three major cognitions. In fact, no matter which model a couple chooses, they must first establish three major cognitions, so as not to create family harmony and hinder the husband and wife's goal of joint financial management. Cognition 1 Negative side: Avoid causing family financial risks When couples discuss household sharing, they should not just have the mentality of "just pay off the bills in front of you". Zhang Yiming, general manager of AIA Investment Trust, reminded that "a family has two portfolios (investment portfolios) and ledgers, which lurks high risks." Zhuang Huaide added that because such families generally lack preparation for medium- and long-term financial management goals, it is easy to earn and spend as much as they want. , there is generally not much "surplus food", and if everyone makes high-risk investments or has high debts, family finances will have big problems. Therefore, when couples discuss household sharing, they must at least first care about each other's consumption and investment status in order to avoid potential financial risks. Cognition 2 Positive side: Before discussing the power of financial management, couples should first gain a clear understanding of medium- and long-term financial management goals, so that they can jointly minimize short- and medium-term expenses and reserve medium- and long-term wealth. The most important goal. Here we take the mortgage loan, which is usually the heaviest among household expenses, as an example. The loan is NT$7 million (NT$, the same below), with an annual interest rate of 3.5, and the principal and interest are amortized equally.

Assume that family A is a "husband and wife, and they settle accounts clearly". Whoever's name the house is registered in will bear the mortgage. They choose a loan term of 20 years, and the monthly amortization of principal and interest is about 40,000 yuan; family B's husband and wife work together For repayment, choose a loan term of 10 years. Although the monthly principal and interest are nearly 70,000 yuan, you can pay off the mortgage 10 years earlier than Family A and save 1.44 million yuan in interest. Starting from the 11th year, Family B's monthly burden will be greatly reduced. If it can invest 50,000 yuan every month in a financial instrument with an annual return of 6, it will be able to create a wealth of 8.23 ??million yuan in 10 years. come out. In comparison, if Family A had not invested their remaining money, they would not only have paid 1.44 million yuan more in interest than Family B over the past 20 years, but would also have lost more than 8 million yuan in wealth. Therefore, if a dual-income couple can manage finances together and allocate and use household resources more efficiently, they will have the opportunity to help the family create the most balance and assets. Cognition 3: Establish a mutual trust mechanism. The financial management model of couples can be long-lasting. Whether it is to jointly hold assets or to make assets transparent, as long as the foundation of mutual trust is good, we can work together. Liu Kaiping described the relationship between husband and wife as if they were driving together in a car. If they work together, "you can drive happily all the way to Kenting with a full gas tank"; but if you are constantly attacking and defending even household expenses, "it's like... The fuel tank keeps leaking, and the journey may be interrupted just as far as Taichung.” Therefore, no matter which household sharing model is adopted, as long as mutual understanding and mutual trust can be established, the couple will have the opportunity to “have a happy journey all the way to Kenting.” .