新婚夫妇常犯的3个金钱错误

新婚夫妇常犯的3个金钱错误

If you're getting married, it's critical to be on the same page as your partner when it comes to managing your finances. In addition to intertwining household bills and chores, you'll also have to consider whether you'll share a joint checking account, how you'll file a joint tax return and other money matters. So, to avoid common disagreements about money and start your marriage off right, it's crucial to ensure you share the same financial values and attitudes about spending, saving and debt. With that in mind, here are common financial blunders newlyweds make – and how to avoid them.

如果你要结婚了，在理财问题上和另一半保持一致是很重要的。除了把家庭账单和杂务混在一起，你还必须考虑是否要共享一个共同的存款账户，如何提交联合纳税申报单和其他金钱问题。所以，为了避免在钱的问题上产生常见的分歧，让你们的婚姻有一个良好的开端，确保你们在消费、储蓄和债务方面拥有相同的财务价值观和态度是至关重要的。考虑到这一点，以下是新婚夫妇常犯的财务错误——以及如何避免这些错误。

Differing financial attitudes and beliefs

不同的财务态度和信念

You and your partner may think differently about budgeting and spending. The key is being open about your money mindset. "Often, newlywed couples tend to gloss over their differences in money matters and fail to establish clear expectations around money within the marriage. This is a great pitfall and can ultimately lead to trouble down the road," says Gabrielle Hartley, a divorce attorney and owner of Hartley Law and Mediation in Northampton, Massachusetts. She is also the co-author of "Better Apart: The Radically Positive Way to Separate." Share your perspective and talk about your goals, Hartley says. "It is super important that you communicate with one another about spending and saving, right upfront."

你和你的伴侣可能对预算和支出有不同的想法。关键是要公开你的金钱观念。通常情况下，新婚夫妇倾向于掩盖他们在金钱问题上的分歧，并不能在婚姻中对金钱建立明确的期望。这是一个很大的陷阱，最终可能会导致麻烦，”加布里埃尔·哈特利说，她是一名离婚律师，同时也是马萨诸塞州北安普顿哈特利法律与调解公司的老板。她也是《更好的分离:彻底积极的分离方式》一书的作者之一。哈特利说，分享你的观点，谈谈你的目标。“在最开始时，你们在消费和储蓄方面进行沟通是非常重要的，。”

Hiding financial secrets

隐藏财务秘密

Concealing a financial predicament from your partner can be particularly problematic, says Melissa Fradenburg, a wealth advisor with Lakeshore Financial Planning in Saint Clair Shores, Michigan. "Whether it's a bad credit score, a large credit card balance or outstanding school loans, these things should be discussed prior to tying the knot," Fradenburg says. "If you think your future spouse will no longer want to marry you over these secrets, it probably isn't a relationship built to last anyway." If you're buried in debt, your spouse will find out sooner or later when you go through the process of buying a home or filing taxes. "It's best to be open about your financial situation from the start," she says.

密歇根州圣克莱尔海岸湖岸理财规划公司的财富顾问梅丽莎Fradenburg说:“向你的伴侣隐瞒财务困境可能是特别大的问题，无论是不良的信用评分、巨额的信用卡余额还是未偿还的助学贷款，这些都应该在结婚前讨论清楚。”“如果你认为你未来的伴侣因为这些秘密而不再想和你结婚，那么这段感情可能就不会长久。”如果你债台高筑，你的配偶迟早会在你买房或报税时发现。“最好从一开始就公开你的财务状况，”她说。

Not having a future money plan

没有未来的理财计划

Aside from fixed monthly expenses, such as a mortgage, utilities, car payments and so on, you need to discuss how much you want to allocate for extra expenses, such as clothing and travel, Fradenburg suggests. Many couples have joint accounts, "but I recommend that couples keep some spending autonomy when combining their finances," Fradenburg says. "Spending autonomy and money secrets are not the same thing. When you open a joint account or work through a household budget together, a newlywed couple should come up with an amount that they can each spend on miscellaneous items each month." This can be accomplished by having individual credit cards or separate checking accounts as well as a joint checking account.

Fradenburg建议，除了每月固定的开支，比如抵押贷款、水电费、汽车付款等等，你还需要讨论你想为额外的开支，比如衣服和旅行，分配多少。许多夫妻都有共同的账户，“但我建议夫妻在结合财务状况时保持一定的支出自主权，”弗拉德伯格说。“自主花钱和花钱的秘密不是一回事。当你们共同开一个账户或者一起做家庭预算的时候，新婚夫妇每个月应该拿出一笔他们各自可以花在杂项上的钱。”这可以通过拥有个人信用卡或单独的支票账户以及一个联合支票账户来实现。