Thursday, August 19, 2010

资金管理

许多夫妇常见的问题是他们对资金管理不同的看法。我丈夫和我也不例外。我是一个零债务的忠实信徒,我的丈夫也是这么认为。我极力遵守我的原则,所以我目前唯一的债务是我和我的丈夫的房屋贷款和'汽车贷款。另一方面,我的丈夫已达到债务的最低记录,他唯一的信用卡。我认识了我的丈夫8年,当我刚认识他时,他的债务之大,他每天都在他的债务里潜水。 说到钱,我是我认识的人里最吝啬的人,。我是生日或秘密圣诞老人宴会里最不受欢迎的人。反之,当谈到礼物, 我的丈夫是一流的。在过去的6年, 他给我买了一部数码钢琴,最华丽的名牌手表,名牌钱包,Mac,MacBook Pro,IPOD,服装,等。你要知道,他是直到我们结婚了后才赠与昂贵的礼物。 
他和我有独立的银行帐户,和一个联名银行帐户支付共同帐单。不过,通常我都得为我得到慷慨的礼物付钱。更惹我生气得是他能够在1个月用了5000 美元得信用卡。更何况,每月自动支付800元的。 来分享是什么目的?不少夫妇因为我刚才所说的情况离婚,因为他们感到背叛,失望,被困,以及更多。他们结了婚后了才意识到他们的情况。资金管理的区别非常重要,每对对婚姻认真得情侣都应该仔细思量。还有一点,理财的观点并不容易改变。因此,如果他或她并没有在结婚之前改变,他或她最不会有可能在结婚后改变祝你好运!

Money Management

One of the most common problem many couples suffer from is fighting over their different view in money management .  My husband and I are no different. I am a true believer in ZERO debts, and so claimed my husband. I tried very hard to keep to my words, so the only debt I have currently is my mortgage and car payment for my husband`s car. On the other hand, my husband has reached record low on debt, which is his one and only credit card. I have known my husband for 8 years, when I first known him, his debts was so great, he was diving in it every day.
When it comes to Money, I am the most stingiest person I know. I am the most unwelcome person in a birthday party or  secret Santa party. On the other hand, my husband is great when it comes to gifts. He has bought me a digital piano, the most gorgeous brand name bags, brand name purse, Mac, Macbook Pro, Ipod, cloths, etc for the last 6 years of our marriage.  Mind you, he did not start gifting expensive gifts until we were married.
He and I have separate bank accounts, and one join bank account to pay our common bills. Yet, I am usually the one end up paying for all the generous gifts I received. This is how to top off my frustration, he was able to max out his 5K credit card in a month time after I paid it off. Not to mention, there is a automatic monthly payment of $800 to that credit card.
What is the purpose for me to share my frustration? Many couple ended up divorce because of the situation I just mentioned because they felt betrayed, disappointed, trapped, and much more when they realized their situation after they were married. Difference in money management is so important that it should be discussed thoroughly for every couple who are seriously thinking about marriage. And one more thing, ones money management view does not easily changed. So if he or she does not change before getting married, he or she most likely will not change after getting married. Good luck!