The Finance Manager in Your Family

Do you know that a financial management in a family can be the source of domestic disharmony?

At least i found two case in my friendship circle.

1. Working husband and wife

This first case means that they have two source of income. There is no problem at all with the condition, but how they arrange the finance is the matter. They rather to have an outcome separation than unite the income into one management. So, there is only an outcome separation. The husband responsible to pay some of the family bills, and the wife pay the rest. They don't share how much the income for each of them. 

Most of husband doesn't care about his wife income, but yes actually the wife does care. But in this first case, the wife having too much ego to have a financial communication with the husband. Every financial planner surely suggest that a family (husband and wife) must have a communication about their financial management, for a healthier finance and family life. 

The family goes in that way, anyway. 

2. Working husband and stay at home wife

Well well well, this working husband and stay at home wife is the most common kind of family. But of course, once again this kind of family also have a potential financial management problem. The husband, in this case, has the full power of finance, since he is the only source income of the family. Would he share the power with the wife? In the case that i met, he is not giving even a little power to his wife. The wife become so sad, because the money her husband gives is never enough to maintain the family needs. It is not because the income is small, but because limited budget that her husband gives. After a long talk, the root cause is because the husband has not trusted the wife on spending money, yet. I suggest her to be patient and show that she can manage the money very well. And after a while, she even got a beauty treatment  budget. The communication goes well, i think :)

The finance manager in a family usually comes the the wife. But it does not mean the husband can not be the one. If the husband has more knowledge about financial management, why not. As long as for the healthier family financial management. Just don't let bad financial management in your family result the domestic disharmony. It doesn't matter big or small income, the finance communication one does matter.  Be sure you do it in a fine and relax condition.

Travel Budgeting

Recently, traveling has become a new lifestyle for urban people. Who doesn't wanna have a fresh escape from routinity in a crowded city.  Traveling is now become easy with a high range of budget possibility. You can choose low or high budget transportation and housing, and you can choose it by looking at the internet. For me, traveling is a flexible one, since you can do it while going home to your hometown or in the middle of out of town duty. 

Some of traveling consideration :

1. Purpose

What is your purpose? do you wanna see the culture, enjoying the nature, kids learning or shopping. You don't wanna waste your budget for something that does not fit you. This will affect to the travel location. Although most of place offer all the purposes, but there must be a priority among those purposes in one place.

 

2. Transportation

What transportation you use? a private or public transportation. We can have a high range of budgeting for transportation. 

 

3. Housing

Do you need housing? Sometimes we don't need housing for a nearby traveling, or maybe we have relatives to stay around the tourism place.

If you need a housing, make sure you choose the clean one. It doesn't have to be expensive, but it does take effect to the comfort. 

 

4. Kids

Kids, especially babies surely have a consideration on traveling. You need to make a deeper consideration on choosing the place, transport, housing and food. 

Each consideration above affected to the travel budgeting. The flexibility of traveling makes the budget become flexible too, especially in Indonesia that has a lot of tourism place which can fit every travel budgeting.  

Traveling is important to refresh your routinity and to strengthen the family or friendship relation. You can start it with time allocation, the frequent of traveling, one or two in a year, or even once in a month. Then, you can save the money as appropriate as you can. So, when the travel time has come, you don't have to think twice. Traveling is flexible even for the budgeting. So, why not?