新婚小夫妻理财指南:你的就是我的
<p><span word="Merging">Merging</span> <span word="the">the</span> <span word="Finances">Finances</span></p><p>财务合并</p><p><span word="The">The</span> <span word="Wrong">Wrong</span> <span word="Approach">Approach</span>: <span word="United">United</span> <span word="we">we</span> <span word="stand">stand</span>, <span word="divided">divided</span> <span word="we">we</span> <span word="bank">bank</span>.</p><p>错误认识:要么都一块花，要么各自存起来。</p><p><span word="Right">Right</span> <span word="Approach">Approach</span>: <span word="It">It</span>'<span word="s">s</span> <span word="yours">yours</span>, <span word="mine">mine</span> <span word="and">and</span> <span word="ours">ours</span>.</p><p>正确认识:资金是你的，是我的，也是我们大家的。</p><p><span word="One">One</span> <span word="of">of</span> <span word="the">the</span> <span word="first">first</span> <span word="issues">issues</span> <span word="newlyweds">newlyweds</span> <span word="face">face</span> <span word="is">is</span> <span word="how">how</span> <span word="to">to</span> <span word="handle">handle</span> <span word="their">their</span> <span word="finances">finances</span>. <span word="Should">Should</span> <span word="you">you</span> <span word="merge">merge</span> <span word="everything">everything</span> <span word="you">you</span> <span word="have">have</span> <span word="and">and</span> <span word="earn">earn</span> <span word="into">into</span> <span word="one">one</span> <span word="joint">joint</span> <span word="account">account</span>, <span word="or">or</span> <span word="should">should</span> <span word="you">you</span> <span word="maintain">maintain</span> <span word="individual">individual</span> <span word="accounts">accounts</span> <span word="and">and</span> <span word="open">open</span> <span word="a">a</span> <span word="joint">joint</span> <span word="one">one</span> <span word="for">for</span> <span word="household">household</span> <span word="expenses">expenses</span>?</p><p>新婚夫妇面对的首要问题之一便是如何进行财务管理。该将双方所有的固有资金及盈利都放到一个共同账户中，还是二人分别拥有各自的账户，然后新开一个共同账户用于存储家庭开支?</p><p><span word="For">For</span> <span word="many">many</span> <span word="newlyweds">newlyweds</span>, <span word="the">the</span> <span word="right">right</span> <span word="choice">choice</span> <span word="may">may</span> <span word="be">be</span> <span word="somewhere">somewhere</span> <span word="in">in</span> <span word="the">the</span> <span word="middle">middle</span>. <span word="Assuming">Assuming</span> <span word="you">you</span> <span word="both">both</span> <span word="have">have</span> <span word="a">a</span> <span word="clean">clean</span> <span word="bill">bill</span> <span word="of">of</span> <span word="fiscal">fiscal</span> <span word="health">health</span>, <span word="finding">finding</span> <span word="a">a</span> <span word="way">way</span> <span word="to">to</span> <span word="blend">blend</span> <span word="finances">finances</span> <span word="comfortably">comfortably</span> <span word="without">without</span> <span word="feeling">feeling</span> <span word="like">like</span> <span word="big">big</span> <span word="brother">brother</span> <span word="is">is</span> <span word="watching">watching</span> <span word="every">every</span> <span word="financial">financial</span> <span word="move">move</span> <span word="you">you</span> <span word="make">make</span> <span word="can">can</span> <span word="dramatically">dramatically</span> <span word="cut">cut</span> <span word="down">down</span> <span word="on">on</span> <span word="fights">fights</span>. <span word="Over">Over</span> <span word="time">time</span> – <span word="once">once</span> <span word="kids">kids</span> <span word="and">and</span> <span word="mortgages">mortgages</span> <span word="come">come</span> <span word="into">into</span> <span word="play">play</span> – <span word="many">many</span> <span word="couples">couples</span> <span word="find">find</span> <span word="that">that</span> <span word="merging">merging</span> <span word="all">all</span> <span word="their">their</span> <span word="finances">finances</span> <span word="is">is</span> <span word="simply">simply</span> <span word="easier">easier</span>. <span word="But">But</span> <span word="unless">unless</span> <span word="you">you</span>'<span word="re">re</span> <span word="both">both</span> <span word="comfortable">comfortable</span> <span word="with">with</span> <span word="the">the</span> <span word="idea">idea</span>, <span word="there">there</span>'<span word="s">s</span> <span word="no">no</span> <span word="need">need</span> <span word="to">to</span> <span word="rush">rush</span> <span word="things">things</span>.</p><p>对许多新婚夫妇来说，正确的选择应该介于两者之间。如果夫妻双方都没有负债，就可以找一种合适的方法来进行资金融合，而不要造成一种总有一位老大哥盯着你每一笔资金流动的感觉，这样一来可以显著减少夫妻之间的争吵。时间长了——等孩子和房贷问题出现时——许多夫妇都会觉得将资金合并会让日子更好过一些。不过，除非双方都习惯于这个方式，否则还是应该慢慢来。</p>
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