Kolkata: Every married couple wants to organize their life together and fulfill all their wishes together. However, many of us don’t communicate often when it comes to finances or savings. A study conducted in America has shown that husbands and wives who save together or follow a joint financial plan are happier financially.
Husband and wife usually take every decision related to life together. But when it comes to saving money together, many of us often lag behind. So what is the right way?
Couples who open bank, credit-card and investment accounts together appear to be happier later in life. By investing together they are able to fulfill every major goal in life whether it be a property or any other major expenditure later on. The study found that on average, married couples own four times more property than singles.
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Convenience of spending and saving together
According to a 2022 survey by CreditCards.com, 43 percent of couples said they only have joint bank accounts. On the other hand, 34 percent of couples have both joint and single accounts, and 23 percent keep their finances completely separate.
A study found several benefits of having a joint bank account. Studies have shown that couples who share finances are more satisfied with their relationships. Through this, both fulfill their financial responsibilities and at the same time, couples can keep a close eye on each other’s spending and savings.
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How to save together?
Joint Account- Opening a joint bank account is very important to control and monitor each other’s expenses in married life. A portion of salary should be kept in this account for household expenses. Apart from this, both can keep the money in their own personal accounts, so that they can spend it as they wish.
Make a financial budget together – It is a good practice to make a budget together to avoid unnecessary expenses. It helps us to set financial goals in our world. For this both have to sit and plan together.
Shopping with cash – One of the ways to save is to shop with cash. Buying with cash instead of credit card helps us a lot financially. Credit cards can be surrendered to each other if spending is not under control. Apart from this, we should try to reduce online shopping, because we don’t have to pay visually, we often end up spending extra money which should not be done at all.
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Tags: Bank Account, Savings, Savings Account