Family budget planning. How to properly manage a joint budget

Marriage is an important event for each of us. In addition to new emotions and sensations, it brings many new questions. For example, very often there are disputes over the family budget. Should the spouses have a joint budget? Will this not lead to a loss of inner independence and confidence?

In the recent past, family budget issues did not cause any reflections or misunderstandings. It was obvious that after the marriage, young spouses pool their funds, accounts, savings and issue a common mortgage loan for decades.

Now things are a little more complicated, especially for couples who marry after 25, most often at this age both partners are already working and have their own source of income. When you are financially independent, pooling budgets can be challenging.

How to solve the joint budget issue?

Of course, there is no one-size-fits-all answer. Each married couple should decide what is best for them, so that everyone feels comfortable. It all depends on how financially the partners are, how much they trust each other and how much their thinking about spending and saving coincides.

If after the wedding you are in no hurry to open a joint account at the bank, this does not mean at all that you do not trust your partner. But if you do this and give full access to your accounts, it means absolute trust.

Joint budgeting methods

There are several ways to manage your family budget.

1. Pooling of income.
2. Partial pooling of income.
3. Separate budget.

Full pooling of income

Maintaining a common account, to which all funds are transferred, and each partner has full access to it, has many positive aspects. Utility and other payments, food expenses and other things are paid from one bank card. For many couples, the joint budget is symbolic, since they are no longer just people who decided to live together, they are a family.

But sometimes it can cause confusion. For example, when one of the spouses earns much more than the other, or vice versa, has large unpaid debts.

Share income partially

Another option for newlyweds is to pool income only partially. You can determine your mandatory general expenses, such as loans, utilities, rent, and food, and use the general bill to pay them off. In addition, everyone has their own separate account, which can be disposed of at will, without asking the husband or wife.

This is convenient for some couples, especially when income levels are very different. You will still pay for your overall financial goals and needs together, but you will also have some financial freedom.

You just need to determine exactly what part of the income you need to put in the general basket. Will it be a certain amount of funds, or a percentage of the money earned? You must make this decision together so that no one feels offended.

Completely separate budgets

For some people, this option is completely unacceptable, while for others it can be very convenient. If each of the partners is fully self-sufficient financially and is already used to their personal accounts and credit cards, opening new accounts can cause a lot of inconvenience.

The only problem is the issue of utility and other mandatory payments. But you can share them among yourself, and be responsible only for your part.

Make a general decision

Financial misunderstandings and quarrels very often lead to serious problems, as well as to divorce. Therefore, it is very important at the beginning of your family life to develop a joint financial plan and decide how you will manage your funds in the future.

Decide whether you need a joint budget for spouses, choose an option that will suit both, so that agreement and mutual understanding reigned in your family.

Tips on how to properly manage the overall budget will be useful for both newlyweds and experienced spouses.

1. Choose what type of budgeting is right for your family

There are three basic budget models: independent, collaborative and mixed.

Independent model differs in that each of the spouses spends their money as they wish. This model may be relevant for those who are just starting to live together. Large purchases and monthly expenses (rent and utilities, for example) are billed in this case, usually in half.

AT joint model the spouses put all their money into a common wallet. All family expenses are then financed from this wallet. In this case, it is important that people trust each other, otherwise disputes about "who spends more" cannot be avoided. This model is suitable for successful married couples, or families where there is a clear leader who will manage the common wallet.

Mixed model budgeting is suitable for almost all couples. Its principle is simple: both spouses put part of their income into the general budget (say, half), and keep the rest for themselves. All large purchases, joint vacations, family expenses are paid from the general budget, and at the same time, everyone has money for personal purposes.

2. Keep track of income and expenses

Keeping records is mandatory, regardless of the model you choose, otherwise you will never understand where the money goes so imperceptibly. There are various programs for your computer or smartphone. It is enough to download the one you like and enter the numbers into it, and the smart machine will calculate everything for you. You can do it the old way: start a notebook and write everything down in it. Someone should keep records, otherwise there will be confusion.

3. Start saving

Keep receipts for all purchases for at least a week, and summarize at the end. Feel free to cross out harmful foods (chips, purchased ready-made salads, extra sweets) and unnecessary sauces and seasonings and see how much you could save. Avoid these foods on your next shopping trip.

Be sure to write down the list before you go shopping. Calculate how much money you need approximately and take with a small margin. This way you won't be tempted to take too much.

Reduce the number of trips to cafes and restaurants and you will see how it saves your budget.

4. Create reserve

Every family needs an emergency supply for emergency situations (and they happen with enviable regularity). You can put these savings on a separate bank card or make a deposit that can be quickly withdrawn.

5. Plan expenses

If you have been running a family budget for several months, it will not be difficult for you to plan spending for the next month. This will give you a guideline and save money.

Have you noticed that almost every topic starts with a budget statement? I earn so much, my husband - so much, owned by such and such ... Or: I am on maternity leave, I don’t have any money of my own, my husband gives out for the child and the household. And then complaints and questions follow: is it possible to fix the relationship, or everything goes to divorce ... Psychotherapist Artem Tolokonin in his book "Secrets of Successful Families" states: nothing undermines relations like the distrust of spouses in financial matters.

Money is trust

From my point of view, money has two functions. Historical - to be a universal equivalent, a payment system. This meaning is clear to everyone. This is the equivalent of effort, energy, time, spending which you get something in return.

But money has another function, a psychological one. Money is the measure of a relationship. If we value something, love something, then we will always pay for it, no matter how much it costs. Not everything is measured by money, but attitudes towards money are a very important indicator of family relationships.

If the budget is built unipolarly, if a man is in charge of finances alone, allocating only a small part to his wife for household needs, disposes of spending, controls expenses - checks receipts from stores, then these relations cannot be called harmonious. The more love, harmony, mutual understanding in the family, the more developed the concept of common money.

And it doesn't matter who earns more. If people love each other, money will still be shared, and the financial position will be as open and consistent as possible. All the prejudices associated with money actually characterize the partner's problems.

If only a man has material opportunities in a family, and a woman is not allowed to spend money on her own and without restrictions, then a victim and a tyrant found each other here. One severely limits the budget and manages the situation. And the other submissively obeys, and often believing that this is the norm, "it should be."

I have met very wealthy families in which a woman is forced to humiliate herself in order to ask for an extra $ 100 to purchase something for herself. What will be the furniture in the house, the husband decides. The husband decides which car to drive.

Money shows who trusts whom. This is a characteristic of the quality of love. Love is a feeling of unity with a person, and if it is calculated as a percentage, expressed in money, then there is no love.

In a wealthy family, material inequality is especially noticeable. The husband can squander money in the casino, spend it on expensive purchases for himself, and the wife is content with the limited amount that he transfers to her card every month. From this money, she usually has to pay service personnel to buy food. And only what remains can be spent on yourself. This creates great moral discomfort for a woman. As a rule, such marriages break up sooner or later, because a woman cannot endure endlessly financially dependent position.

Money is a litmus test family relations... And the problem, which, it would seem, is expressed only in relation to finance, is present in other areas as well.

Husband and wife: who is more?

There is a myth that a successful man, earning more than his wife, has the right to manage these finances alone. The classic Russian version of wealthy families. About 20 years ago, they met just as students who, apart from a scholarship, had nothing. Let's go to work. She believed in him, loved him, gave birth to children, even helped to do business at first. Then he abruptly went uphill, and within 5-10 years the relationship was transformed. Not two loving students, but “I'm the boss here, you're nobody here. I give you money, what else do you want? " And this tradition of material relations in the family ends tragically: loud divorces, leaving the family, betrayal.

Because if both partners in marriage do not find harmony, then they are still somehow forced to compensate for it: either by relationships with others, or with the help of alcohol or drugs, or some other substitutes. Therefore, the second - psychological - function of money is very important.

We examined a situation where a man earns more. But now the situation is just as common when a woman earns more than a man. In some families, this is a hotbed of tension for many years. Roles in the family change, and a man not only does not earn money, but also stops developing, often just leaves work and sits at home, annoying his wife. That is, material inequality in the "female" side also affects all other sides family life.

But there are other stories as well. For example, a married couple. My husband is a programmer, mathematician, techie, a very talented person, but a little "in himself", impractical, does not get along in any job. Therefore, for the most part he sits at home in search of interesting projects.

And his wife is making a career, she is a HR director, a top manager, a public figure. It would seem that she should have sent him kicks to work a long time ago. But no, this is a very harmonious family. They travel, travel, the husband takes care of the child. They do a lot for each other and not only do not get divorced - they really have joy and love in their family. These people managed to go through what many women stumble upon, who have become more successful than their husbands: they do not consider who should earn more.

The very idea that a man must be the breadwinner of the family is a myth. A man should earn as much as he can. And if he loves a woman, then in the family, as a rule, this inequality is smoothed out by relationships. Moreover, as my experience of observing successful families shows, one person is often interested in big money in a family.

Let's say a woman fully believes in her husband, believes that he will cope, and does not interfere. She just knows this about herself, and the man realizes his projects, feeding on the energy that she gives him. The same is true if the woman is more successful. In her success, there is often the merit of her man, who supports her, relieves her of some of her everyday worries.

Imagine that the successful woman, whom I described above, would live according to the traditional scenario: at any cost, she would force her husband to earn relatively little money by programming, and she herself would cook porridge at home. That is, neither she would self-actualize, nor he. And it is good that she had the strength and breadth of views to go beyond the traditional scenario. Therefore, it does not matter who in the family earns more, it is important that people love each other, understand and support.

And if there is trust, then the money will inevitably be shared. They can be on the same account or on different ones, it doesn't matter, this is a technical point. But there is an idea of \u200b\u200bwho earns how much, there is an understanding that this is common money, and there is their joint distribution. Knowing how to negotiate costs is part of the partnership. That is, money can ruin a family, but it can strengthen it.

I look at the marriage contract from the same position. I do not discourage people from concluding it. If this suits you - please! But if you really love each other, trust completely, and enjoy your relationship, then your money isn't going anywhere. In the words "jointly" acquired property, the main word is "jointly", and not "acquired" at all.

One more point. We talked about wealthy families who have been on the road to success since both spouses were students. But other situations are common. Initially, one partner is very rich, it does not matter if it is a man or a woman, and the other is nobody.

In such situations, the need to balance both partner cultures comes to the fore. If a woman treats herself as a commoner who has had the happiness of getting into a rich family, then it is very difficult to convince her otherwise. And usually, alas, these relationships end sooner or later, because there is no equality in them, which means there is no partnership.

The main criterion for partnership is not material property, not intellectual baggage, not education, but love. This is the basis, and everything else is a consequence. Only that which is based on this basis can exist harmoniously. Only on this basis can you remove potential problem areas, develop a different attitude towards them.

A special case of attitudes towards money is a family business, when both a man and a woman work in the same company and earn money together. It is believed that a man and a woman should not do the same thing. I believe that everyone decides this issue for himself. This is the choice of every family and every person. In my opinion, it's great when people are ready to do something together, to take risks, to look at the same process differently.

Budget as medicine

And for a psychologist, money is the easiest thing to change in a disharmonious family. This is where you can start. Budgeting help is a medicine for spouses to help them get out of conflict. After all, money is just pieces of paper. You can't buy health with them, you can't buy love with them. And the one who counts his significance in money is mistaken, invests health and relationships in this process.

But if such a person is given knowledge and understanding in this area, he will correctly perceive the money and dispose of it correctly. When the relationship turns into partnership, he will learn to have fun negotiating. You don't have to suffer for decades, but work it out in six months, looking at money as a measure of relationships, which really shows both the balance of power in the family and the degree of spiritual comfort of the spouses.

I help people form a common budget, learn to agree on who spends their common money where, I make sure that this is a joint business and a partnership position, and relations become easier.

Recently, at the training, one participant told her story: she earns a lot, and her husband - much less, but all the time she threatens that he will leave her. They have two children. Now she wants to buy an apartment, and a dilemma has arisen: whether to make it the owner? At the same time, the husband wants them to have a large apartment, if there is such a financial opportunity.

And I tell her: try to trust! You have created a separate platform for yourself because you think it is unreliable, but by doing so you are not giving it and yourself a chance. And you accept it as it is, and act on this basis.

A month later, she told me: “We bought an apartment, I consulted with him and made it clear that his opinion is important to me. And in the process, our relationship improved. The scandals are gone, I feel much more comfortable. "

So the overall budget can be the cure. And it doesn't matter what the budget is: five million rubles, fifty thousand rubles or five million dollars. There is no difference, everything is the same: either this is a partnership, or material racketeering and moral pressure as a result.

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Discussion

It seemed to me alone that the text was quite adequate ?! :)

It seemed to me alone that a "creative person" dreams of finding an ambitious "workhorse" and sitting on his neck ?! O_O

Pink snot of a young green, let's see how he will sing like this in 10-15 years, when he gains experience.

Comment on the article "Marital happiness and a separate budget are incompatible?"

It is not so advisable to divide the budget separately. The husband's money is the general money that he manages, but for the maintenance of the whole family. A joint budget is beneficial w - with a traditional, non-partner marriage When does not earn or very little Am - at times ...

Discussion

i also don’t understand a separate budget in the family .. it is possible only if both have enough money to provide for the whole family, without infringing on anyone, and if they barely have enough for themselves, then a separate budget will not work, or there will be no family ..

When they talk about separate budgets here, they still talk about a decision to remove the conflict component in finances, when one "everything to the house, everything to the family", and the other can put everything down in one day, for example. And the incomes are comparable, albeit not the same, but with the same number of digits in the sum +/-.
And you are writing about a financially insolvent husband, where the wife essentially supports the family. So it follows from your description.

Family budget when a young family lives together with parents. And so from the very beginning of family life, except perhaps for the purchase of an apartment, my parents Separate budget - separate living, this is no longer a family. Don't confuse a budget with pocket money.

Discussion

according to your description, a man looks more like a cunning gigolo, if he strictly keeps records of 300m rubles, then an iPhone for 70 thousand is an expedient waste for him to lull your vigilance. take a closer look. Your kids should come first in any relationship.

So tell him. You are even better at earning so well. If he wants to be near you, then the question of money should disappear.

About money in the family. Good day to all. A friend recently said that she and her husband have a separate budget. She is on maternity leave with a child, works from home, her husband has business and office work. Everyone pays for his Wishlist himself, all common expenses exactly in half.

Discussion

You better not think about them at all. That family is happy with that and you can't convince them. You may be happy with it differently. But, believe me, she works much better than she does on maternity leave, and her husband does not help with the child or at work. And such options suit some too. Live the way you like. A split budget is not the worst thing.

Open a joint bank account, each has a card. Everything is transparent. Discuss big expenses beforehand.

If the budget is general, then from it is taken for children as much as is needed at the moment. As it happens in families with common children, it is not incomprehensible to me how the "general budget" and "expenses for children in proportion to income" can be combined. Budget or general or expenses ...

Discussion

do children chew with their parents?

Ya don't understand how you can divide the budget within the family. Cooked cutlets ... and share how much to whom? Let's go skiing together ... one child can ride the ski lift for 2 days, and the other one? So chtoli?

If children live with their parents, then all expenses are expenses of the family, not the children. An exception is a fancy iPhone, for example. But I wouldn't do business
to have children within the family, it doesn't matter. They quarrel, parents will have a problem how to reconcile them.

Ya is lazy. I want the family to live together. All - equally.

You know, it seems to me that there is no need for any mathematics. I thought for a long time and did not want to write anything in this post. It's just this. If you love your NM, then you will not ask all these questions. You will have a common budget and everything will be equal to his children and yours. And if he loves you, he will not make any repairs to the BZ. And all his income will go only to your family.
And if you don't have such mutual feelings, if both of you are sitting calculating and calculating, then there is no need to live together. He will not be able to become a full-fledged husband to you, a father to a child. Why do you need all this? You worsen your material conditions, your child. For what? And he is trying to live in this way at your expense and make repairs to the BZ? This makes no sense! Under such conditions, I would not live together. So are lover friends, but no more. And you will calmly spend your money on yourself and your child.

My husband offered to live separately for finances, such as family worries and purchases in half. We have been living with a separate budget for a hundred years. We do not add anything to any common heap. all this would be true if there were not many strong families with separate ...

Discussion

We have a joint budget. But I want to initiate its division. Because my husband has been controlling me in sweets for over a year now. He believes that this is an unnecessary expense item. While he smokes and allows himself beer on weekends. I don’t think he has it all cheaper than my sweets per month. That's actually all love. We swear over this little thing for a whole year. I feel like I’m afraid every time of another conversation, I’m looking for some when it starts with a half turn, but I can’t deny myself this. But I also need a family. Itself has grown incomplete. I don't want the same for my children. And I don’t know what to do. I have no strength to discuss this nonsense every time

12.09.2018 08:33:43, Valentina Valentinovna Volodina

I was motivated to split the budget for completely different reasons, but for example ...
I really want a car. Not for convenience's sake, but just getting a huge buzz from the driving process. Those. it can be considered that this is my hobby for which I agree to spend money. My husband categorically does not want a car, because it’s a constant waste of money, but we don’t need a car (I agree with this, we don’t NEED a car, we just WANT it as a hobby). The cost of the car is very tangible for us, it needs to be saved for 1-2 years. I am ready for this to shrink in spending, and significantly. To force my husband to shrink on what he does not want - I cannot force. In the case of a separate budget, this issue is easily resolved.

At the same time, no one forbids you to buy some toys-things for your grandson just as a gift. But this is different. like someone who will sink something and burst.

separate.
but there is a general account once a month
we both transfer one and the same amount, say 5,000. and 2000 husband 3000
myzh translates more as it earns more.
this money goes to babysitting, house payments, utilities, food, cultural events and
etc.
all large purchases for yourself such as a car, expensive clothes, as well as helping relatives, etc. everyone pays from their own account.
if someone loses his job, the one who works pays everything.

02/06/2003 21:45:45, koley

In our family with my husband, I have a separate budget, and my husband has his own. We go to the store together, the one who has the money pays. Therefore, personally, I think that the family budget should be general, regardless of who earns how much money.

Discussion

If everything is fine in the family, both emotionally and monetary, then everything is equal to what budget. And if there are problems, here and Kasyanov with the right budget will not help anyone.

04/19/2001 15:52:50, AleXXX

Naturally, in this matter, everyone chooses what suits him best. However, it seems to me personally that the principle of "common economy" should be the determining factor here, which, IMHO, is decisive in determining whether there is a family or not. And a common economy means that no matter who does what, everyone, in the end, works for a common result. For example, when a family buys an apartment, the living space is legally registered for one person. But this does not mean that the apartment belongs to only one spouse, and the other one just "went out for a walk." This is just how the legal system works. In fact, this apartment is shared, because the money for it was earned together. Is that someone has invested more money, and someone more work.

Therefore, personally, I think that the family budget should be general, regardless of who earns how much money. General, in the sense that money really adds up to a common pot. Then it is determined that from the general budget some amount is allocated for food, some for personal expenses, some for utilities and other payments, some for long-term savings and large purchases, etc. The difference comes down to who and to what extent reports to the family for specific expenses. Personal money is spent without any report at all. For they are personal. Money for food is spent only on food. Whoever goes to the store spends. Is that more or less adhering to the selection of products accepted in a particular family. Large purchases are made either jointly, or someone buys one, "authorized", but only after receiving these very powers at the family council.

Irina Koshevets | 6.07.2015 | 588

Irina Koshevets 07/06/2015 588

Different married couples plan and spend their family budget in completely different ways. Both the joint and the separate have their advantages and disadvantages. Which one is better? The "Ladies Expert" was sorted out.

I grew up in a family where the family budget was common only at first, so I know firsthand what it can be. Mom and Dad, in addition to their main job, always tried to “earn an extra penny,” as my grandmother used to say. Parents were not limited to maintaining the household and vegetable garden, they actively shuttled in the hungry 90s.

The first story: about a separate family budget

By the age of 40, when people want stability and tranquility, they began to lead a more measured life. My father got a cash job, and my mother only slightly climbed the career ladder in public catering. And then the parent seemed to be replaced: he did not want to share his hard-earned money with his mother and with me. Therefore, the family budget became separate.

The disadvantages of this situation were revealed pretty quickly:

• food and utilities still had to be paid together;
• my mother had to carefully plan the purchase of each new wardrobe item for herself and me in order to meet her small salary;
• if there was not enough money, I had to tearfully beg for it from my father, who was extremely reluctant to part with his material means;
• when it came time for me to get higher education, this issue was discussed for a long time and thoroughly at the family council, because I had to study for a fee, and every six months I was afraid that my dad would not give money to study.

However, there were also pluses. They consisted in the following:

Many students do not shy away from any job.

• seeing my mother's almost disastrous financial situation, I went to work early - while still at school as a seller in the market, and soon stopped asking my parents for pocket money, and then began to dress at my own expense, became financially independent early and did not wait for handouts from my parents ;
• the father very quickly collected money to buy a car, and then another, acquired all the necessary expensive tools, he did not have to coordinate his spending with his mother;
• mom had a hard time in the first years after splitting the budget, but this encouraged her to find a more profitable job, make a breakthrough in her career and become a leader;
• now the parent also does not coordinate her spending with anyone, gladly spending money on clothes, shoes, jewelry, cosmetics, household appliances that she likes, and not just those that are within her means.

At first, my mother did not like a separate family budget, but then she realized that this was even better. Now my parents are still working, but soon they will both retire. While the financial situation in the family remains the same. But who knows? Perhaps 5 years will pass and everything will change again.

The second story: about a joint family budget

When you fly out of your parental nest and earn a living with your own means, you very quickly get used to such independence. If a second half appears in your life, it is sometimes not easy to get used to the fact that now you have to put money in a common piggy bank. Moreover, in my family, for many years in a row, things were different.

At first, I saw only shortcomings in the joint family budget:

• the need for any purchase, up to hygiene items, had to be discussed with her husband;
• some acquisitions were not easy, because many men do not understand why their wife needs another blouse, if there are 5 more in the closet;
• when a child appeared in the family, I wanted to buy only new things for him, the faithful did not share my desire, so we often quarreled;
• i perceived proposals to limit my wife's expenses as a personal insult and an attempt to save money on me.

However, several years have passed since the wedding day, and I'm used to it. Moreover, in monetary matters, there were also pluses:

• my salary was quite average, my husband earned about the same, giving almost everything to his mother for food, but as soon as we got married, we began to live together and spend only on ourselves;
• since after the merger of the two budgets free funds began to remain, we were able to save some part and save for our own housing;
• we began to go shopping together - this way unnecessary expenses were excluded;
• in addition to our main job, we both began to take additional jobs, and over time we changed our field of activity to a more prestigious and monetary one.

Now I am happy with the way money is distributed in my family. And I can't even imagine what could have been otherwise. Of course, sometimes I have to give my husband good reasons for the need for a particular purchase. Moreover, modern mothers indulge their children, remembering their Soviet childhood, where they could not get either beautiful toys or fashionable dresses. However, in financial terms, it is more convenient for our family to maintain a joint budget.

Often, a young family has to learn to manage a budget together.

Each couple chooses for themselves the method that suits her. Sometimes some people need pretty harsh conditions in order to spread their wings and take off financially, while others can do without it successfully.

What do you think: is the division of the family budget able to force all family members to mobilize their strength to achieve more in life?

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I do not agree that someone should give all their money to someone. Throw off for general needs for some mutual amount. If you eat more, you will probably need to add more, but this is normal. But in no case give the money in full. A man who gives all his money to his wife is bad for him and for her. It's just that most women who are greedy for their husband's money do not understand that when they manage all family money, they take responsibility for the well-being of the family. Yes, yes - you took the money for yourself, so you are responsible for everything. And for the fact that you cannot save up for an apartment, and for the fact that you cannot afford a normal rest. But the greedy ladies are screaming - he earns little, I want more, then for an apartment, etc. that's enough. No, I really decided to grab the family money - be responsible for the well-being of the family. Or share this responsibility with your husband in half. It was like that for my parents. Mother took all the money and gave orders. The father was completely removed from all purchases. So what? He simply ceased to adequately understand what and how much it costs, and that suited his mother. Especially when he was the boss. He brought the money, gave it away, and nothing else bothered him. And my mom was fine with that. So much money without a report! I profuked everything! And now he is a pensioner, both have not big pensions. And he sincerely does not understand why there is not enough money for a well-to-do life, as before. Demands from her, as before, food, cigarettes, etc. She is already trying to take him to the shops to explain that prices are high and pensions are small, and he, as before, does not want to go shopping. He gives his entire pension as before and does not burden himself with anything. My mother complains to me, and I tell her that by her desire to control all the family money, she herself created such a situation. It was pleasant to do this only with the money of the chief, but with the money of a pensioner it was a disaster. I advised her to go to work, not all her friends work. The controlling maman was offended. By taking money away from men, women are taking away their initiative and responsibility for the family. Everyone has their own responsibilities: no, really, my husband will go to buy dish sponges or gaskets for me, and I will throw a screwdriver to look for? Women are better versed in household matters, but hardly in technology. I've never paid for any of our apartments, my husband has no problems with that. But he never argues with me about vices, products, household chemicals, etc. Each has its own diocese. I needed a car, made a decision together, decided where we would get money from, etc. Women, many of you here rushed straight from the chain on the guy. Damn, God, I should fall from such a bride who will demand that my son give her all the money!