10 Types of Family Financial Needs

To be able to plan finances well, you would need first to discuss about finances with your partner, parent, or child. What should be considered?

1. Journal of expenditure.
You and your partner need to discuss the financial outlay. For what your money is used, this is the main issue.


2. The division of tasks.
Living in pairs membutuhkann compromise and cooperation. Included in the shared role in financial matters. Conflict is inevitable in the presence of a clear division of tasks. That way, you can avoid the unpleasant situation that a source of dispute. Like, one party feels burdened because they have to take care of everything alone.


3. Pension fund.
You and your partner may have already occurred or even already has a pension fund from the company. Has this pension fund, however well planned and capable of meeting the needs both of you later?

4. Investment plan.
Variety of investment options may be tempting for you and your partner, is associated with more optimal financial planning for the future.

5. Buying gadgets for children.
Increasingly sophisticated technology. More and more products are offered and seductive, even for children. Mobile, iPad, and others, it was as a premiere and not a tertiary needs anymore. As a parent you need to discuss the nature of the consumer to children. Shopping stuff like this certainly was not financial concerns?

6. Credit cards for kids.
Children under 18 years, while in junior high or high school, may require a credit card. But if you feel the need to give credit cards to children, teach how to use a wise first. Just lend your credit card, then evaluate what your child is using it.


7. Children's education expenses.
You and your partner need to discuss the cost of education since the child was born, said Kalman A. Chany, founder of Campus Consultants. Start saving or consider a number of financial planning related to children's education expenses.

8. Help finance the parents.
Your parents may have set up pension funds, but whether it has been self-sufficient in old age? Not a little child, though already married, keep a financial contribution to her parents. Research from the Pew Research Center in Washington DC showed 30 percent of children in adolescence contribute to the financial parents.


9. Health insurance for parents.
Do not wait until parents aged 50-60 years, then you consider to make health insurance for them. Prepare health insurance for parents as soon as possible, so you have no reservations when a parent when ill.


10. Financial guardian.
In an emergency, who can you trust to take care of your finances? Likewise with your parents. When he was growing older, to whom financial decisions will be delivered?

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