1. Suss Out Your Finances
弄清楚你的财务状况
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.
坐在一起敲定新的财务状况?这不好玩。但是是时候填补这条缝了,除非你想下个月醒来时看到堆积如山的债务。
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.
评估你的资金流入/流出。现在你只有一份薪水,你真的需要分析你所拥有的和你花的钱,这样你就可以重塑你的预算,以适应你的`新的(更低得)收入。你可能会接受一个月少几千美元,但并没有意识到你的集体消费习惯没有改变。用债务计算器跟踪你的现金流。
2. Work That New Budget
为新预算工作
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!
收聚你的硬币不是很有趣,但是你得佷快与你的新的支出作计划。嘿,这很像撕掉创可贴…从长远来看，做得越快,痛苦就越少。还伤心吗?请记住:这种情况是暂时的!
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.
调整你的账户。如果你是一个负责支付抵押或者租金而他支付汽车支付和保险,你必须思考你如何分摊费用。为什么呢?所以你不会开始反弹检查或支付透支费!保持简单通过表明哪个帐户是你们都有开支票的。转换你计划使用的支票帐户所有的自动存款和借记;为你不是每月都付的费用储备,像纳税。
3. Keep Saving
保持储蓄
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.
停止为未来储蓄,你就会错过长期的收益,或者发现自己在一个紧缩的现状,如果你急需用钱。
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.
继续为退休金账户提供资金。游荡在你的401(k) 低回报或者个人退休账户清单,想想为什么你应该把现金放在未来30年来你不会看到的东西?如此诱人的退出资金退休账户的诱惑,非职业的配偶应该贡献你每月预算的一小部分,而有工作的那一个应该支付足以让没工作的那个支付退休金账户的钱(免费的钱!)。根据研究,随着时间的推移你会得到弥补今天的低回报。
4. Work as a Cash-Stashing Team
以现金贮存队的身份而工作
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.
你将如何坚持你的新计划,如果你们没有达成共识?你需要开始更多交流关于钱的事。
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.
公平竞争。避免“我的钱/你的钱”的争吵通过设置一定数量你们可以每个月都可以花的钱,因为即使是失业的配偶也会有费用。对于更大的购买,您得妥协,养家糊口的人不能总是以他们的方式。
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.
分开需求和需要。是的,你快因为墨西哥旅行或装饰得像里诺而死,但你真的需要它吗?记住,稀缺是短期的;你可以为这些额外享受省钱一旦你的财务状况稳定使用存款计算器。