The way of family economic management

Extracted from: Rasekhoon.net

Earning money

Matters related to men's jobs

Since the income of a family is related to men, they should get familiar with necessary skills for making money. You are not expected to find jobs with a lot of money at the beginning of common life. Even jobs with legal money can be a good start for better jobs in the future although they have low income. Part time jobs and working with father or one of relatives and friends can be a good start so that your talents and skills can be seen and in the future, better jobs can be suggested to you. Some women try to find a job because they think that their husband has low income, but they make themselves exhausted and deprive husband and children of their efficient presence at home. You should have an appropriate job and make halal money and should avoid illegal trades, bribery and smuggling because haram money will decrease the blessings of the life and will have bad effects on children. Imam Sadeq (peace be upon him) states '' haram money will affect a generation''.
You should determine the domain of your economic activity and should devote your attempt and gain experience at the same domain. Lack of a fixed job prevents economic progress. The prophet states '' the value of a job is to be done completely''. Get familiar with social support for employment such as self-employment loans, cooperative assistance and bank facilities. You should avoid transferring worries and negative attitudes toward home environment. Home is the place of comfort for all family members. Working a lot should not prevent you from taking care of home responsibilities as spouse and father and close relationship with wife. You should take care of your behavior with other men so that you do not make your husband biased. Women should pay attention that men like that their wives get along with them in affairs related to economic affairs. Women should support their husband when they start a new job rather than bothering them with a lot of questions.
Affairs related to the job of women
Men should not force their wives to work because it is not the duty of a women to meet the financial needs of a family. But if they volunteer to work, you should thank them. You should help them to work in an appropriate workplace. They should work in a work place that relationships between men and women are within divine framework and their job does not make them exhausted. Women have more role in creating a happy place at home and if they become too tired due to working a lot, it may make home boring. If women work out, they will definitely become exhausted; therefore, you should help them at home affairs.
You should plan for the incomes of your wife and yourself so that she can understand the enjoyment of cooperating you. Since your wife helps you to meet the financial needs of family, when you buy a home or car or land, you should try to give a part of it to your wife, and have her the owner of something so that if you die one day, she can live comfortably and honorably.
Women that work out should follow the following points:
Some women try to find a job because they think that their husband has low income, but they make themselves exhausted and deprive husband and children of their efficient presence at home. It is the duty of men to meet the financial needs of a family and they are prepared to accept this responsibility from the beginning of common life. They should keep their role in the establishment of comfort, cheerfulness and affection at home and accept a lot of responsibilities beyond their power and capacity.
You should have appropriate plan. You should be at home when he comes back home. If you welcome your husband warmly, when he comes home, it will be effective in the permanence of close relationships. If you have baby child, you should avoid working out as much as possible. The early years of a child is very sensitive; therefore, you should take care of them in early years. Having a good and righteous child is more important than a very good with high income. You should try to have a part time job or a job at home so that you can take care of their responsibilities at home. If you have children, your workplace should be near to home. You should sent your children to preschools and schools near your home. Stay in touch with school and kindergarten. Take care of your children's journeys, games and affairs.
Limit some of the unnecessary things at home such as home cleaning, or extreme purchases. Give them some home-friendly homework for your children's growth.
If for a reason like a small child, you have to quit a career, study your book, attend non-virtual or virtual training courses or attend benevolent activities, maintain your spiritual vitality and benefit from the benefits of social communications.
You should try your time at the best way when you are off.
To use the phone and to contact your friends and relatives as well as watch TV programs and use the Internet, you should have the right planning and the best use of them so that they do not affect your relationship with your spouse and children.
If your work at home is high, ask your spouse for help. Do not expect him to be like a housewife. Housekeeping is more consistent with women's morale. He will eventually help a little. Let him help you whatever he wants to; thank him for his help so that his motivation will increase. The wealth of a family can be provided through two ways: increasing income and decreasing expenses. You should try to use your income in an optimal way as you try to increase it in a legal way.
You should not make any difference between your income and your spouse's income. When women work, they make closer relationship between themselves. Therefore, they should not spoilt this close relationship.
Men should have authority in family so that they can be the supporter of their wife in the ups and downs of the life. If you are employed and have an independent income, you should not influence the authority of your husband.
If you achieve great successes in your workplace or management is left to you in your workplace, you should not forget that your husband is the manager of your family. You should be modest with your husband and this shows your good management in family relationships.
You should ask your husband to share you in the asset of the life after you help your husband in the expenses of the life.

Consumption management

The wealth of a family can be provided through two ways: increasing income and decreasing expenses. You should try to use your income in an optimal way as you try to increase it in a legal way. In other words, if you want to become rich, you should try to use your facilities in the best way instead of having the best facilities.
Pay attention to the following points in this regard:
Specify family spending; Family expenses are usually: food, clothing, buying or renting housing, repairs, the cost of energy resources such as water, electricity and gas, commuter expenses, telephone, health care, shopping home appliances, repairs and purchases of job supplies, tuition fees, loan types, cost of makeup and perfume, recreation, travel, parties and obligatory divine rights such as Khoms, Zakat Fatra. Fundraising these items in line with family income and expenses.
Save a part of your income, if only small, as much as possible. Gradually, these savings can be a better asset or a major source of living. After years of saving and using various loans, you may be able to own a home, buy a store or invest in productive activities.
Have insurance for yourself and family members to solve some family problems when needed by using insurance services.
Inform your wife of income and think about using it together and plan for spending it in every month; thus, she will empathize with you and set her expectations and family consumption with your income.
Pay attention to the following points about buying house:
Providing an appropriate house in the priority of household economic planning. If you are forced to rent at the beginning of your life, try to buy a small house in low-costing districts with the use of loan and the help of parents or parents-in-law. By renting a house, you always pay a significant amount of rental income and you will never own a home.
Living in the house of parents at the beginning of common life will decrease the expenses of the life. Use the help of your parents and manage relationships between yourself, your spouse and your family.
In the purchase of housing, in addition to its proportionality with its own money, pay attention to the location of the neighborhood and neighbors, the sunshine of rooms, proximity to work or education, relatives' homes, and easy access to shopping centers and public services.
Be in moderation in consumption. If you are lavish in consuming and meeting all the needs of your spouse and children, they will pay more attention to their demands and are more likely to expect you. This will disrupt their relationship with you and with each other. Follow moderation in consumption.
Train your children economic matters according to their age including:
- Train them how to keep property and gifts and the right way to spend.
Encourage them to work in appropriate time.
- In family economic negotiations, let them participate within their understanding and ability.
Train them in a way that they become thrifty and thankful persons.