新婚小夫妻理财指南:你的就是我的

Merging the Finances

财务合并

The Wrong Approach: United we stand, divided we bank.

错误认识:要么都一块花，要么各自存起来。

Right Approach: It's yours, mine and ours.

正确认识:资金是你的，是我的，也是我们大家的。

One of the first issues newlyweds face is how to handle their finances. Should you merge everything you have and earn into one joint account, or should you maintain individual accounts and open a joint one for household expenses?

新婚夫妇面对的首要问题之一便是如何进行财务管理。该将双方所有的固有资金及盈利都放到一个共同账户中，还是二人分别拥有各自的账户，然后新开一个共同账户用于存储家庭开支?

For many newlyweds, the right choice may be somewhere in the middle. Assuming you both have a clean bill of fiscal health, finding a way to blend finances comfortably without feeling like big brother is watching every financial move you make can dramatically cut down on fights. Over time – once kids and mortgages come into play – many couples find that merging all their finances is simply easier. But unless you're both comfortable with the idea, there's no need to rush things.

对许多新婚夫妇来说，正确的选择应该介于两者之间。如果夫妻双方都没有负债，就可以找一种合适的方法来进行资金融合，而不要造成一种总有一位老大哥盯着你每一笔资金流动的感觉，这样一来可以显著减少夫妻之间的争吵。时间长了——等孩子和房贷问题出现时——许多夫妇都会觉得将资金合并会让日子更好过一些。不过，除非双方都习惯于这个方式，否则还是应该慢慢来。

Dealing with Debt

还债问题

The Wrong Approach: Your debt will ruin us; you must find a way to pay it off.

错误认识:你的债务会让连累了大家，你必须想办法还清。

The Right Approach: It's our debt; Let's decide how to pay it off together.

正确认识:债务是我们大家的，讨论一下如何一起将它还清吧。

Like it or not, once you're married, your spouse's debts can become your problem. Granted, you're not legally responsible for the creditcard balances ran up before you got married, or for any loans opened in your spouse's name alone – provided you keep your finances completely separate. But even with separate finances, your spouse's credit score will affect your ability to get joint credit.

不管你愿不愿意承认，一旦你们结了婚，配偶的债务也会变成你的麻烦。当然，对于婚前积存的信用卡欠款，你是没有法律义务偿还的。如果你在财务上保持完全独立，你对单独以配偶姓名开立的账户上的贷款也不负法律责任。不过，就算你财务独立，配偶的信用评分也会对你申请夫妻联名信用卡产生影响。

Conclusion:

总结:

For those couples not yet married, it may be worthwhile to think about a prenup, just to make sure that assets that one spouse brings into a marriage will always be protected from the other spouse's creditors. But those who've already tied the knot should find a way to pay down the debts as quickly as possible, and without any late payments.

对那些还未成婚的伴侣来说，制定一份婚前协议可能是必要的，这么做是为了保证一方带入新家庭的资产可以永久不被另一方的债主剥夺。但对已婚夫妇来说，应该想办法尽快还清债务，不要有任何延期支付。