1. Suss Out Your Finances
弄清楚你的財務狀況
Sitting down together to hammer out your new financial status? So not fun. But it’s time to get crackin’ on it, unless you want to wake up to a mountain of debt next month.
坐在一起敲定新的財務狀況?這不好玩。但是是時候填補這條縫了,除非你想下個月醒來時看到堆積如山的債務。
Evaluate your inflow/outflow. Now that you’re only getting one paycheck, you need to really analyze what you have versus what you spend so you can recast your budget to fit your new (lower) income. You may be taking in a couple of thousand dollars less a month and not realize that your collective spending habits haven’t changed. Track your cash flow with our debt calculator.
評估你的資金流入/流出。現在你只有一份薪水,你真的需要分析你所擁有的和你花的錢,這樣你就可以重塑你的預算,以適應你的`新的(更低得)收入。你可能會接受一個月少幾千美元,但並沒有意識到你的集體消費習慣沒有改變。用債務計算器跟蹤你的現金流。
2. Work That New Budget
爲新預算工作
Pinching your pennies isn’t fun, but you’ve gotta get on board with your new spending plan pronto. Hey, it’s a lot like ripping off a Band-Aid…the faster you do it, the less painful it’ll be in the long run. Still hurtin’? Keep in mind: This situation is temporary!
收聚你的硬幣不是很有趣,但是你得佷快與你的新的支出作計劃。嘿,這很像撕掉創可貼…從長遠來看，做得越快,痛苦就越少。還傷心嗎?請記住:這種情況是暫時的!
Adjust your accounts. If you were the one in charge of paying the mortgage or rent while he took care of the car payments and insurance, you’ll have to rethink how you divvy up bills. Why? So you don’t start bouncing checks or paying overdraft fees! Keep it simple by designating which account you’ll both be writing checks from. Switch all of your automatic deposits and debits to the checking account you plan to use; reserve the savings account for your non-monthly expenses, like tax payments.
調整你的賬戶。如果你是一個負責支付抵押或者租金而他支付汽車支付和保險,你必須思考你如何分攤費用。爲什麼呢?所以你不會開始反彈檢查或支付透支費!保持簡單通過表明哪個帳戶是你們都有開支票的。轉換你計劃使用的支票帳戶所有的自動存款和借記;爲你不是每月都付的費用儲備,像納稅。
3. Keep Saving
保持儲蓄
Stop saving for the future and you’ll miss out on long-term gains -- or find yourself in a tighter spot if you need emergency dough.
停止爲未來儲蓄,你就會錯過長期的收益,或者發現自己在一個緊縮的現狀,如果你急需用錢。
Continue funding retirement accounts. Bumming over lower returns on your 401(k) or IRA statement and wondering why you should put cash toward something you won’t see for 30 years? As tempting as it is to quit funding retirement accounts, the nonworking spouse should contribute a small percentage of your monthly budget, while the employed one should put in enough to get an employer match (free money!). According to research, you’ll recoup today’s low returns over time.
繼續爲退休金賬戶提供資金。遊蕩在你的401(k) 低迴報或者個人退休賬戶清單,想想爲什麼你應該把現金放在未來30年來你不會看到的東西?如此誘人的退出資金退休賬戶的誘惑,非職業的配偶應該貢獻你每月預算的一小部分,而有工作的那一個應該支付足以讓沒工作的那個支付退休金賬戶的錢(免費的錢!)。根據研究,隨着時間的推移你會得到彌補今天的低迴報。
4. Work as a Cash-Stashing Team
以現金貯存隊的身份而工作
How will you stick to your new plan if you aren’t on the same page? You need to start communicating more about money, period.
你將如何堅持你的新計劃,如果你們沒有達成共識?你需要開始更多交流關於錢的事。
Play fair. Avoid “my money/your money” fights by setting an amount you can both spend each month, because even an out-of-work spouse will have expenses. For bigger purchases, you’ve gotta compromise -- the breadwinner can’t always get their way.
公平競爭。避免“我的錢/你的錢”的爭吵通過設置一定數量你們可以每個月都可以花的錢,因爲即使是失業的配偶也會有費用。對於更大的購買,您得妥協,養家餬口的人不能總是以他們的方式。
Separate needs from wants. Yeah, you’re dying for that Mexican vacay or deck reno, but do you really need it? Remember that the sacrifice is short-term; you can save up for those perks once you’re more financially stable with our savings calculator.
分開需求和需要。是的,你快因爲墨西哥旅行或裝飾得像裏諾而死,但你真的需要它嗎?記住,稀缺是短期的;你可以爲這些額外享受省錢一旦你的財務狀況穩定使用存款計算器。