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Money is often the cause of divorce. Disputes about the financial might happen while abundant money and while the lack of money. Indonesian society feel uncomfortable having to discuss financial problems within the family. Therefore, we felt the need to continue to call on all people, especially married couples to learn with each other about their finances. We strongly believe that every person has a view of money different because the husband or wife was raised in different environments. Failure to talk about money in the family has the potential to cause problems.

Many people feel that talking about the family finances is taboo. However, in our opinion, this fact should be discussed. These circles ever think, Is to let the financial problems in the family will solve everything? Or it could be a snowball growing? Small problems can become big if not addressed and resolved with wisdom. Therefore, in this much-needed family finances a management pattern in which each individual in the family (husband and wife) have rights and obligations of each. With the division of responsibilities and in-depth discussion can alleviate problems that may arise in the future.

Here are three types of management where you can choose according to your desires with your partner. Of course there are many more existing management pattern. The most important thing here is the mutual openness and the family lives with shared responsibility.

Manage the Money together and Envelope System
Earnings of husband and wife joined together directly. After that, a combination of both income directly allocated to the post-routine expenditure calculated in advance. Typically, each represented by a single postal envelopes. Expenditure outposts that, in some families, not only household on eating and drinking, and electricity, but also includes paying the mortgage, car payments, electricity, telephone, child’s school fees, insurance and need a car (petrol, regular service, damage, etc.). Even savings, personal expenses and father-mother holidays became a separate envelope.

Dividing By Percentage
This form of management is to share responsibility in the form of the number or percentage of whole family needs each month is calculated including the postal savings and postal emergency. Each agreed to contribute a certain amount to cover these needs. The rest is used as a personal savings to personal needs. For example, the wife bought perfume, lipstick, or dress. Could also not counting the family’s needs first, husband and wife contribute the same percentage based. For example 80:20. This means that each “deposit” 80 percent of his salary. The remaining 20 percent kept to himself. If you can save money, the money with a 80 per cent, could be left for the family savings, in addition to husband and wife also each have a private savings.

Dividing Responsibilities
For example, a husband to pay for affairs “heavy”, like paying the mortgage, car payments, electricity, telephone, child’s school fees, need a car, and insurance. While the wife is shopping monthly logistics, knick-knacks house, snack, and a holiday weekend and postal savings. Judging from the amount, the husband bears more funds. But she also had a role in the contribution of household funds. If it turns out that the wife has a larger income, this course can also be done otherwise.

Which is best? This is strongly influenced by the habits and of course the agreement between husband and wife. Discuss this with their partner, so that the financial problems the family is no longer a problem in the family.

If the wife does not work? How?
The third example above is the pattern of allocation of the husband and wife income. Where husband and wife work and generate regular income each month. How well if only the husband or wife who works? While other couples staying at home?

If this is the pattern in your family finances would be very nice if you and your spouse discuss the duties and responsibilities of each. Maybe you as a husband because the work is trying to meet all the needs of families. While the wife who stays home in charge of households, ranging from questions about regular monthly purchases up to the allocation of savings (from the income the husband) for a variety of financial purposes family owned. In this case the wife should be like manager in a company.  By dividing a shared responsibility, the husband no longer feels more than a wife. Because the two individuals in these families have the responsibility of each. For that openness and discussion about the much-needed finance.

Three important things in managing joint finances
First, the division of labor is needed in terms of finances. Examples of short, who pays all the daily needs of households. Suppose you as a wife should pay the husband in this case must transfer sufficient funds each month to meet all the financial needs of families.

If you decide to delegate one person to pay the monthly bills so the important thing to note is honesty. Where you both should be open with each other regarding the issue of money. Do not get when you use a joint account and one of you take a large amount of funds and your bride didn’t tell you. Once your partner need for a very important thing and that is proved to be insufficient.

Second, the agreed expenditure becomes very vital. You both need to reach agreement on spending plans. This is usually associated with expenses that are not fixed, for example the decision to replace with a new car after a few years? Or what you both think about the holidays? In conclusion, you should discuss and agree on the need to be fulfilled, what is the mutual desire and what you can meet.

The last thing that becomes very important is saving money. In this vision of the future becomes very important. Where the goals you and your partner will determine the motivation and the selection of strategies that can help you achieve future goals owned. That way you will also see the importance of the current allocation of funds and start right now.

Thus a brief review about money in relation to the marital relationship within the family. May provide input and additional knowledge for you.