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O CASAMENTO E A CONTA CONJUNTA

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Porventura andarão dois juntos, se não estiverem de acordo? 

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Um dia deste em um encontro com alguns casais, onde se abordou assuntos diversos a respeito de um correto planejamento financeiro, um assunto  que demandou um tempo maior de reflexão foi a respeito da conta conjunta. A conversa caminhou para o ponto de um questionamento grande a respeito da real necessidade de o casal possuir apenas uma conta, alguns consideraram que não viam nada demais de se continuar da forma que estavam  cada qual detentor da sua conta bancária. O principal argumento foi que após o casamento, poder-se-ia fazer uma divisão das despesas de acordo com o salário de cada pessoa e o dinheiro que sobrasse pertenceria a cada parceiro. Após diversas colocações foi pedida a minha opinião.

O meu pensamento é muito claro a respeito dessa questão. O casal deve possuir apenas uma conta e conjunta, por algumas razões que foram colocadas naquele fórum.

Quando as coisas caminham de acordo com o que foi colocado, isto é, cada um tendo a sua conta bancária e havendo uma divisão de despesas, o que ocorre, na prática, é que os dois estarão casados, porém levando uma vida financeira independente, o que não é nada aconselhável, pois este modo de o casal se conduzir financeiramente, com certeza, atrasa o crescimento material, que faz parte da vida a dois.

O ideal é que o salário dos dois seja transformado em um, os dois parceiros, então, mensalmente devem fazer um planejamento dos gastos em comparação com a renda, separar um determinado valor que deverá ser dividido entre os dois, para as despesas pessoais e ser destinada uma quantia para se poupar, com vistas a se atingir  objetivos que já foram determinados pelos dois.

Em outras palavras o casal dever saber em quanto monta a sua renda conjunta, saber com certeza em quanto montam os seus gastos, separar um determinado valor a ser divido entre os dois, para os seus desejos pessoais e outro valor deve ser separado para a realização dos sonhos materiais que todo o casal deve ter.

Durante a conversa me foi perguntado se há necessidade disso ser feito mensalmente. Respondi que ninguém é obrigado a coisa alguma, porém o casal que proceder dessa forma atingirá determinados patamares primeiro que aqueles que não fazem, já que estes demorarão mais um pouco, ou não conseguirão.

Muitas pessoas quando casam entendem perfeitamente que a partir daquele momento estão construindo uma nova família, um novo lar, que vão caminhar juntos vida a fora, porém não conseguem entender que o dinheiro também está dentro desse contexto, isto é, conseguem enxergar que  tudo a partir daquela união é dos dois, porém a conta corrente  não se casou, as pessoas se uniram, mas o saldo bancário não faz parte daquela nova família, continha pertencendo a cada um.

A conta conjunta é muito mais que meramente um número em uma instituição financeira. Ela representa uma das maiores provas de confiança que o casal pode depositar um no outro. Sabem por quê? Porque o dinheiro tem poder, ele mexe com o ser humano, muitas pessoas dizem que ele é apenas um bem físico, coisa nenhuma ele transforma o indivíduo, ele pode ser uma benção quando utilizado com sabedoria, e uma desgraça quando usado de forma equivocada.

Então, além de fazer muito bem para o sucesso material do casal, a conta conjunta faz com que o relacionamento do casal amadureça de forma mais rápida, ajuda também no desenvolvimento dos dois parceiros na busca da realização dos seus sonhos, coloca os dois caminhando na mesma direção, na medida em que objetivos serão fixados para serem atingidos e contribuirão sobremaneira para que a confiança mútua cresça cada vez mais entre ambos.

Com certeza aquelas pessoas que resolverem se casar, mas continuarem solteiros na vida financeira terão muito mais dificuldades na realização dos seus sonhos e no crescimento material que faz parte da vida a dois, já que levarão vidas independentes na relação com o dinheiro.

É lógico que esse artigo não tem a menor pretensão de ser o dono da verdade absoluta, porém não vemos nenhuma vantagem em casar e continuar levando uma vida financeira de uma pessoa solteira, já que estarão andando juntos, entretanto não completamente de acordo.

Por:Marcio Motta

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Comments

hugo
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mas a mulher pode trabalhar fora e ter uma carreira?

Marcio Motta
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Hugo é claro que sim. Fique com Deus.

hugo
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como Deus ve a independência feminina?

Marcio Motta
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Hugo Deus olha para a atitudes pessoais das pessoas e se estão dentro dos padrões determinados por Ele.

hugo
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falando em casamento: uma mulher pode tomar iniciativa com relação a começar um relacionamento ou isso é anti bíblico?

Marcio Motta
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Hugo não conheço nada que proíba a mulher de tomar a iniciativa de um relacionamento. Em nossa sociedade, normalmente, não funciona assim, porém desconheço algo que seja contra.

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Obrigado pelo seu comentário

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I always learn something after i cease by here, Eric. Thanks!

Marcio Motta
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Obrigado pelo seu comentário

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Obrigado por comentar em nosso blog

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