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【Moneyman財子】情侶共同儲蓄令關係更Sweet!新一年2021情侶儲錢必睇攻略😍

Updated: Dec 14, 2020


12月,係其中一個最多人喜愛嘅月份,唔單只係因為聖誕節,仲係大家準備迎接新一年,對未來充滿期待嘅一個時刻。偏偏大事大節之前,係情侶們分手嘅高峰期,為咗讀者們喺呢個敏感時間同另一半感情穩定啲,小編會同大家分享一個令感情更穩定嘅方法-與伴侶共同理財嘅五個方向。

要將關係昇華,便要將理財目標達成一致

一段感情入面,一開始既時候永遠都係好閃,但熱戀期過後,就會慢慢變淡🥲🥲😭。要走落去,就要識得將關係昇華😎😎,而其中最重要嘅一個元素,就係理財方面要達成一致目標,包括以下五個方向:


1/ 財務目標一致

喺香港呢個樓特別貴既大環境下,買樓上車係大部份人既畢生心願。而部份人既伴侶心願係籌備大學基金比未來嘅仔女。平心而論,呢兩個都係長遠嘅目標,唔會有高低之分。情侶們需要做既係達成一致目標😎😎,將目標分清優先次序,令雙方達致雙贏局面。



2/設立消費上限

無論一對情侶關係有幾sweet都好,喺現實世界,衣食住行樣樣都係錢。如果只求浪漫,隨意揮霍,就會輕易成為月光族,所謂貧賤夫妻百事哀😭😭,如果冇固定嘅消費上限,將來嘅生活會好冇保障,所以情侶們一定要設立消費上限。



3/開設聯名戶口

以前老一輩嘅媽媽將一套綁實男人嘅理論掛喺口邊-「開設聯名戶口」。雖然呢個方法聽落有啲老土,但事實上,咁樣做唔單止可以肯定雙方關係增加安全感🥰,仲可以令雙方覺得大家喺財政上同步。試諗下,一個聯名戶口可以俾大家清楚睇到現金流入,支出同財務預算,透明度大增。



4/將儲蓄一半合併

頭先提到既開設聯名戶口雖然有唔少好處,但係執行上,仍然有缺點。如果情侶們都將所有儲蓄all in擺喺聯名戶口,對於一啲需要私人空間既人黎講,佢哋會say no,所以小編建議couple 只將一半儲蓄放入聯名戶口。



5/一齊訂立退休計劃

而家有唔少年青人比較早熟,除咗吃喝玩樂,會一早計劃退休。對於後生仔女黎講,退休好似係一件遙不可及嘅事,但係如果連一件咁遙遠嘅事都咁早就同另一半plan定,變相係同伴侶講,你係我未來重要嘅一部分❤️❤️🥰🥰


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