Balance accounts for two: Belem couples have challenges and strategies for financial life | The economy

The financial life of a couple requires more than normal account adjustments. Most of the bellenens are required to adapt to couples, division of responsibilities, sustainable communication and for not forgotten events. According to the interviewed economists, the secret of facing financial difficulties is to maintain communication open and reality and adjust the budget according to circumstances.

Partition of accounts: balance or odds?

The procedure for dividing the costs of couples is a factor in determining the economic balance within the house. Kaila Whale is married to Dhoni Whale and three mother, who talks about how financial responsibilities are being distributed in her home.

“In general, the home provider is more responsible for the family’s fixed costs, the wife is responsible for drugs, health insurance, cosmetics and personal hygiene products. I am calm about my economy, because we have been organized.”

However, she believes that the challenges will mainly arise with credit card and unnecessary expenses.

Dhoni Whale and Kaila Whale. (Photo: Christino Martins)

“Today we have our controlled costs and we only give priority to what is needed. Emergency reserve is required to keep the home and invest in, especially to buy and sell real estate and products and services.”

On the other hand, Eberth Wangone, who lived with Bruno Brito for years, adopted a different approach by dividing the costs.

“We prefer to share accounts in accordance with our income. Everyone contributes to what they earn in proportion to what they earn, it feels good to us. In this way, it can prevent us from overloading one of us, which ends financial balance more efficiently,” Eberth explained.

Over time, he believes that the largest challenge faced by the unexpected health cost that needs budget adjustments. “Good communication among us is the basic. With an open conversation, we have been able to make decisions quickly and reduce some luxuries to prioritize the payment of this cost,” he said.

Luana Silva, who divides the apartment with George Tavares, also adopts a simple economic unit: “We have divided the bill and we have no important financial challenge so far.

For her, it is secret to storing 10% of the investment in the bank, which allows for more economic security for projects such as travel and other scheduled costs.

“When we want to travel, for example, we will put a certain amount for a year for this. We will never think about financial problems, but we know it is to be planned.”

For Selma Brito, the marriage of Gerson’s Gonals and housewife has been married for over 30 years, taking into account the income of each, the key is proportional.

“My husband takes care of big accounts such as home and car, when I come a day for a day like a supermarket and gas. It does justice to avoid overloading and justice.”

Maria Helena Gasper, who depends exclusively on her husband’s income, adopts a simple approach to CID Guimaries. “We only spend the required ones and any extra cost can only happen in case of emergency.”

This difference in procedures reflects different facts and highlights how the pair’s financial condition and structure can change.

Overcoming crises: How to adjust the budget during difficult times

Selma’s biggest challenge in the financial crisis when he loses his job and looks after her young daughter. The couple adjusts their expectations, reducing the solution costs and maintaining new sources of income.

“Communication is crucial. Without despair, we have been asked for alternatives and have been able to overcome the difficult step,” said Selma.

In the case of Maria Helena, the challenge is the payment of own homes, which requires a great financial effort to ensure stability. For her, the solution is simple: save as much as possible and seek ways to complete the income when needed.

For Kaila, the cost control and emergency reserve are required.

“Today we use an emergency reserve to manage certain appointments, especially when we need to reduce costs on accessories or clothing or when we face some incidents.

Eberth also shared the experience of the financial crisis in the couple. “We have been the biggest challenge when we have to face unexpected health costs. This is surprising us, but we have made budget adjustments, we have reduced some luxuries and give preference to debt.”

Communication is essential to ensure that the two are associated with decisions, he said.

Future Plan: Safety and Goals sets

Investing in the future is a common goal in couples, and in which the emergency reserve is created, as well as planning important purchases such as home. Selma and her husband, for example, have a savings that guarantee some security during the crisis.

“We have a plan to buy the property, but this is a slow achievement goal,” said Selma.

Maria Helena has no longer focusing on buying another property, as the couple has already won their own home. However, the family budget is still targeting the effective management of monthly expenditure, she said without exposing what is needed.

Kaila and her husband are focusing on financial planning tours and necessary purchases.

“Today, we plan our trips, we use propaganda packages, bought gifts on memorial dates and due to special occasions of rest. We focus on maintaining our emergency reserve and reducing unnecessary costs.”

Eberth and his partner also have clear financial goals, including the purchase of another property. “We have a well -built financial plan, focusing on saving and investing strategically. We will review our progress periodically to achieve our long -term goals,” he said.

Luana and for her partner, maintaining cost and investment control, saving regularly for the future.

“We never think about problems, but we know that having a financial plan will guarantee us to a quiet future,” he said.

Economists Tips: How to Maintain Economies To Both

Corekon PA/AP (Regional Council of Economics of Economics of Para and Aamapa) president Kleber Mauro, the first step for any couple suggests that listing their income resources and mapping their expenses. He recommended that “communication is essential as a mapping of preferences”.

For the Corekon PA/AP Vice President Pablo Damasseno, the contribution in this couple is very complex. “When both of them are the same vision and behavior, unnecessary costs are reduced. And this couple saves their costs, energy and use of water daily.”

Para Economist Jenardo Olivera has proposed a range of strategies such as the definition of joint financial goals, the creation of the partnership budget and the use of the 50-30-20 rule for the distribution of resources.

According to him, couples who want to handle the financial situation effectively and harmoniously have ten points:

1. Transparent communication

– Start with an open conversation about income, debt, cost and estimates.
– Eliminate Prohibitions: It is essential to discuss money to prevent future conflicts.

2. The definition of joint goals

– Set short -term goals (travel, furniture) and long -term (home, retirement).
– Aligning preferences strengthens mutual commitment.

3. Shared budget

– Creating a monthly budget that contains fixed costs (rent, accounts), variables (rest) and savings.
-Sugge: Use the 50-30-20 rule (50% requirements, 30% wishes, 20% savings/loan) or receive according to the reality of a couple.

4. The emergency reserve

– Saves 3 to 6 months of basic costs in a special account.
– Protect from forfeight events (unemployment, medical expenditure).

5. The strategy for debt

– Prioritize high interest loans (credit card, loans).
– Methods such as “avalanche” (focusing on loan at the highest rate) or “snowball” (first paying).

6. Joint and Personal Accounts

– Joint account (eg housing, market) and personal accounts for personal expenses for sharing expenses.
– Protect autonomy and reduce friction on personal options.

7. Periodic financial revisions

– Conduct monthly meetings to assess the budget, adjust the objectives and celebrate the progress.

8. Investment and protection

– After the emergency reserve, invest in according to the risk profile (eg Treasury Direct, Private Pension, Actions).
– Take insurance (life, health) to reduce risks.

9. Balance between mass and person

– Respect income differences: proportional partition of costs (eg who earns more).
– Manage the amount for personal cost without the need to be accountable.

10. Take professional help if necessary

– Financial Advisor or Professional Economist may help with complex conflicts or cases of collected debts.