[閒聊] 共同帳戶與私人存款
偶而會有看到 因為對方亂花錢也不貼補家用的爭議狀況
或是買個犒賞自己的昂貴物品 可能遭對方阻擋別敗家
家庭支出跟個人興趣花費投入 往往是一個家庭常見的衝突
最近跟朋友討論出以下一個簡單的初型模式
給大家討論看看
1.設立家庭共有帳戶(這應該蠻常見的)
夫妻2人每月撥入相同金額到帳戶
此帳戶內的所有花費需經2人都同意才可動用
支出的範圍不外呼就
水電費、第四台、網路、家中共用的大型家具...等
其他可能會有名下共同的房貸、車貸
或是其他2人都認可用此帳戶花費的活動
如:看電影、上館子、旅遊交通費用...等2人相同金額的花費
其他認可臨時緊急需求大筆花費代墊 如:醫療
(討論事後再補回 每月需多出定額撥入)
2.其餘剩下的就是私人使用
固定私人花費 如:手機月租費 個人在外餐飲費...等
以及可以不經對方同意或過問 即可自行使用的支出
全憑自身能力 賺多少錢扣除撥入共同帳戶金額
就能有多少私人使用金額量
有人說 這是明目張膽的私房錢
共同帳戶條件訂好後 就是賺多錢的占優勢
但2人可以提高共同帳戶撥入固定金額 避免另一人亂花自己的私款
也可促進收入低的想辦法提升收入 以增加私款使用量
以現在社會而言 男方或女方已經不會是哪一方一定賺比較多了
這好處是支撐家用無虞下 還能有隨心所欲的自身花費
可能是自身的宅嗜好 或是看上哪個名牌
只要私款自己存夠錢 就能放心出手
這個模式會不會有什麼問題? 或是該怎麼修正?
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