Aug 1, 2010

Split or joint finances?

May nabasa akong blog post tungkol sa mag-asawa na nagkaroon ng mainit na argumento dahil sa pera. Yung lalaki kasi mas maliit ang sweldo kesa sa babae. Ang gusto ng lalaki ay split nila ang bayad sa mortgage based sa income nila.

Mahirap na situation yun ah. May mga kakilala akong mag-asawang ang set up ay yung isa magbabayad ng renta or mortgage, tapos yung isa sa mga bills at grocery.

Sa amin ng asawa ko, our salaries are pooled into a joint account. Lahat ng expenses dun sa joint account lumalabas. Lahat ng gastos, ipon, at utang ay shared namin including his student loan that I hate so much.

Di ko yata alam kung anong gagawin ko kung nagkataong ganun ang ugali ng asawa ko. I don't think aabot sa point na ikinasal na ako bago ko malamang ganoon ang attitude nya towards money. Mas malaki ang sweldo ko kesa sa asawa ko. Never pa kami nagkapareho and I think it will continue like that unless mag-quit ako.

I admit that there are moments when I resent paying his student loan of $450/month. Siempre naman dahil ako walang student loan. Pero I love him and he didn't hide the fact that he owed student loans before kami nagpakasal. Ang hindi ko lang inalam ay kung magkano talaga yung loan. Uhm, I think sinabi nya kaso I was not paying that much attention then. There are times, lalo na pag nagtatalo kami about something na gusto kong sabihin na I hate paying his student loan, pero I always stop myself. For one, where would that lead our argument to? Secondly, anong mababago nun kung sabihin ko man? Wala rin, utang pa rin sya.

I think pag married na kayo, everything is on an "us" or "ours" basis. Paano kung magkasakit yung lalaking yun tapos ang laki ng hospital bill nya. Would he think na ang split din ng pagbayad is the same as their mortgage? Hah! I doubt that.

I would never have it any other way. Joint finances, to me, is the best way to go in handling money matters in a marriage. It's open, honest, and creates a sense of trust in a relationship.
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