Ako sa v partnerstve vyhnúť hádkam pre financie

Napísal Katarína Remiaš 09. apríl 2024

Peniaze patria k najčastejším dôvodom sporov a hádok v manželstve či spolužití. Kým niekto hospodári sám, má to jednoduchšie. Zosúladiť financie v partnerstve je komplikovanejšie. Na záver prinášame 5 pravidiel partnerských financií a, ktorým chybám sa vyhnúť.

shutterstock_ucty_par21

Odborníčka na osobné financie zo spoločnosti PARTNERS Jana Pažáková radí, ako si nastaviť spoločné fungovanie, čo sa týka spravovania zarobených financií. Aj tu platí, že základom je rozprávať sa, mať spoločné ciele a byť naklonený umeniu hľadania kompromisov. Základné pravidlá a princípy finančného hospodárenia sú však rovnaké pre pár či jednotlivca. Dôležité je naučiť sa správne hospodáriť, dodržiavať ideálne finančné miery a plánovať.

Súžitie dvoch ľudí prirodzene prináša aj určité spory a problémy. Medzi bežné témy, ktoré často vedú ku konfliktom, patria práve peniaze, či už ide o domáci rozpočet, dlhy, výdavky, spôsob spravovania financií alebo rôzne hodnoty a prístupy týkajúce sa peňazí. Zmysel má preto jasné nastavenie pravidiel spoločného hospodárenia a partnerských financií. Odborníčka na financie hovorí, že základom a správnou prevenciou je komunikácia. „Treba hovoriť otvorene a nemať žiadne tajnosti o svojich príjmoch, aktívach, finančných návykoch, ale ani o dlhoch, očakávaniach a plánoch do budúcna. Stanoviť si spoločné krátkodobé, strednodobé aj dlhodobé ciele,“ odporúča Jana Pažáková.

PREČO RIEŠIŤ PENIAZE V PARTNERSTVE

Dobre nastavené financie sú dôležité pre dobre fungujúci vzťah. Umožňujú párom riešiť spoločné ciele a plánovať svoju budúcnosť. Spoločné riadenie financií pomáha prerozdeliť finančnú záťaž medzi partnerov a taktiež znižovať možné konflikty, ktoré vo vzťahu často vznikajú v každodennom živote. A práve dobré nastavenie riadenia financií v partnerstve vytvára lepší priestor na spoločný rast a rozvoj. Vyžaduje si to však dôveru, otvorenosť a transparentnosť medzi partnermi.

AKO ZAČAŤ? 

Základom fungujúcich financií v partnerskom živote je komunikácia a úprimnosť. Partneri by mali otvorene komunikovať nielen o svojich finančných cieľoch, ale aj o svojej finančnej situácii, príjmoch, výdavkoch, finančných návykoch, ale aj záväzkoch či problémoch. Jana Pažáková spresňuje niekoľko zásad, ktoré pomôžu pri nastavovaní spoločných financií vo vzťahu: „Otvorená komunikácia a spoločné plánovanie finančných cieľov sú kľúčové, pričom hovoriť treba nielen o úsporách, krátkodobých cieľoch, tvorbe rezervy, ale aj o bývaní, deťoch, dôchodku, a v nemalej miere aj o dlhoch a možných krízových scenároch. Vytvorenie spoločného rozpočtu pomáha vopred sa dohodnúť na zložení a výške spoločných príjmov a výdavkov, sledovať stav financií a minimalizovať tak hádky.“

Jana Pažáková zároveň dodáva, že je dôležité, aby si partneri medzi sebou dohodli, ako budú spoločné financie spravované, štruktúru svojich výdavkov či už na spotrebu, aktíva, ciele, ale aj záväzky. Kto a ako bude mať prístup k účtu a peniazom, ako a čo sa môže zo spoločnej kasy financovať a, naopak, čo nie. Stanoviť si treba takisto individuálne potreby, ako k nim pristupovať a rešpektovať osobné hranice napríklad k určitým finančným a investičným rizikám.

5 PRAVIDIEL PARTNERSKÝCH FINANCIÍ

  1. Komunikujte.
  2. Spoznajte svoju finančnú situáciu.
  3. Finančne plánujte.
  4. Stanovte si pravidlá a formu spoločného financovania.
  5. Chráňte svoj príjem a tvorte si spoločnú rezervu na horšie časy.

SPOLOČNÝ ČI SAMOSTATNÝ ÚČET?

Existuje niekoľko modelov nastavenia si financií v partnerskom vzťahu, ktoré sa môžu kombinovať alebo prispôsobovať podľa potrieb a preferencií párov. „Najčastejšie sú dva modely spravovania partnerských financií. Prvým je jeden spoločný účet, na ktorý partneri posielajú všetky svoje príjmy a riešia z neho všetky výdavky. Funguje v prípade dobrej transparentnosti vo vzťahu a dobre nastavených pravidiel. Druhým zaužívaným modelom sú čiastočne spoločné financie. Partneri majú jeden spoločný účet na spoločné výdavky, ako je nájomné, potraviny, splácanie spoločných úverov. Súčasne má každý partner aj oddelený, vlastný účet na svoje individuálne výdavky,“ sumarizuje Jana Pažáková.

Partneri sa môžu rozhodnúť mať aj úplne oddelené účty a financovanie spoločných výdavkov je na vzájomnej dohode, napríklad na základe dohodnutého podielu na výdavkoch alebo konkrétnej pevnej sumy. Iným príkladom sú rotujúce výdavky, keď sa partneri striedajú v platení spoločných výdavkov.

Každý vzťah je individuálny a rovnako prístup k spoločným financiám by mal zohľadňovať osobitnosť každého páru, špecifické potreby a preferencie a nastavené pravidlá by mali byť vyhovujúce pre oboch.

TÝMTO CHYBÁM SA VYHNITE

  • Nepovedať všetko: Klamstvo je vo vzťahu cesta do pekla, platí to aj v súvislosti s financiami. Zatajiť úver či inú podlžnosť ohrozí ďalšie hospodárenie domácnosti. Rovnako to platí aj pre utajenie príjmu.
  • Nemať spoločné ciele: Manželia musia mať spoločné finančné ciele a tie spoločne napĺňať, často pôjde o kompromis.
  • Nedôverovať si: Partneri by si mali veriť vo všetkom, neustále kontrolovanie toho druhého vzťahu nepomôže.
  • Nechať financie na partnerovi: Je prirodzené, že každý má talent na niečo iné, spoločné hospodárenie domácnosti by však mali riešiť obaja partneri.
  • Nedohodnúť si pravidlá: Pokiaľ partneri nehradia výdavky zo spoločného účtu, musia sa vopred dohodnúť, kto bude čo platiť.
  • Neplánovať: „Ľudia neplánujú zlyhávať, ale zlyhávajú v plánovaní.“ Plánujte nielen svoje ciele, ale aj životné situácie, ktoré môžu nastať (strata zamestnania, materská, vážna choroba, úraz či smrť, čo môže negatívne ovplyvniť finančný tok v rodine).

Zdroj foto: Shutterstock

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    If you are missing motivation as a end result of lessened power and muscle positive aspects, then you'll find a way
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    A Result Of an Anavar cycle for males is not quite common and there aren't estrogen-related
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    increases in muscle mass.

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