Hannah and Max share equally Income They, even when one wins much more, choose common economic planning.
The couple has decided that all his wages and revenues belong to both, regardless of who contributes the largest amount each time, the BBC reports in a report.
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«We always wanted to share everything 50-50. We have pledged to each other that what is mine is yours, and vice versa.», explains 31 year old Max.
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Common account and equal amount for personal expenses
Hannah and Max married after two years of relationship. At the time, Max worked in the technology sector and earned £70,000 annually, while Hannah, employed in the charity sector, had significantly lower earnings.
Their wages are deposited in a joint bank account, from which the mortgage, bills, food, fuel and other household expenses are paid.
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Each month they keep exactly the same amount for personal use. Thus, they can buy clothes or cosmetics and go out with friends without feeling that they are controlled or have to justify any expense.
At the same time, they divide their money into different reserves, such as savings and smaller amounts for foreseeable expenses, including haircuts.
Their different perceptions of money
The two grew up with a completely different approach to Economics. In Hannah's family money was the subject of open discussion, while at Max's house it was a taboo issue.
He says that, because they never talked about economics, he entered adult life without knowing who is considered a satisfactory salary or how he can negotiate his earnings.
The purchase of their first common residence forced them to discuss with complete sincerity the incomes, savings, advance payments and the amount they could actually dispose of.
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As Hannah points out, first-home buyers often do not calculate additional costs, such as taxes and lawyers' fees. For this reason, it was necessary for them both to know exactly how much money they had at their disposal.
Now, the couple has incorporated economics into their daily conversation, regularly examining how they can improve their future situation.
What happened when Max lost his job?
The model of absolute economic equality did not change even when Max was fired the previous year and the couple had to rely on Hannah's salary, which ranged between £40,000 and £60,000 annually.
After the initial shock, the two examined their expenses in detail and sought ways to limit costs. They discontinued their subscriptions to the gymnasium and Pay TV Sky, to ensure that they could continue to pay the mortgage and their accounts.
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Max had been trained at a cooking school, but left the focus, because he felt he would not offer him satisfactory remuneration. After his dismissal, he decided to create a business in a field he truly loved.
Hannah was initially cautious and suggested that he develop his business idea alongside a new job. Soon, however, they realized that the project required much time and energy.
After making the necessary financial calculations, they decided that they could take the risk, as they have no children or other people who depend financially on them.
He invested £20,000 in a mobile pizza place.
Max used £20,000 from compensation for his dismissal to buy and turn a horse transport trailer into a mobile pizzeria.
The business now undertakes weddings, parties and temporary events, bringing monthly revenue from £4,000 to £6,000. Max pays himself a salary sufficient to cover the mortgage.
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Το ζευγάρι είχε συμφωνήσει εξαρχής ότι οι 20.000 λίρες θα αποτελούσαν το ανώτατο ποσό της επένδυσης. Σε περίπτωση αποτυχίας, ο Μαξ θα αναζητούσε άλλη εργασία, χωρίς να διαθέσει επιπλέον χρήματα.
Στόχος του είναι να αναπτύξει περαιτέρω την επιχείρηση και να αυξηθεί παράλληλα η αξία του σπιτιού που αγόρασαν για να ανακαινίσουν.
«Ξεκινήστε να μιλάτε πριν από μια μεγάλη απόφαση»
Η Χάνα συμβουλεύει τα ζευγάρια να συζητούν για τα οικονομικά τους προτού προκύψει μια μεγάλη απόφαση ή μια κρίση που θα τα αναγκάσει να το κάνουν.
Όπως λέει, μπορούν να ξεκινήσουν από απλά θέματα, όπως οι μισθοί τους και τα ποσά που ξοδεύουν σε διαφορετικές κατηγορίες, ώστε οι δυσκολότερες οικονομικές συζητήσεις να γίνουν σταδιακά πιο φυσικές.
Έρευνα της εταιρείας διαχείρισης περιουσίας Quilter δείχνει ότι σχεδόν τα μισά ζευγάρια δεν μοιράζονται ισότιμα τον οικονομικό προγραμματισμό. Ειδικότερα, το 46% ενεργεί μόνο του σε κάποιον βαθμό, ενώ περισσότερα από ένα στα δέκα ζευγάρια αφήνουν αποκλειστικά στον έναν σύντροφο την ευθύνη των οικονομικών.
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