• Personal Banking
  • Corporate Banking
  • For Shareholders
  • About Us
  • SCB Global Network
    • Cambodia
    • China
    • Myanmar
    • Vietnam
SCB SCB
  • Our Products
    • Loans Loans
    • Cards Cards
    • Deposits Deposits
    • Insurance Insurance
    • Investments Investments
    • Payment Payment
    • Digital Banking Digital Banking
    • Other Services Other Services
    All Loans

    I WANT

    • Home Loans
    • Car Loans
    • Personal Loans
    • Business Loans

    RELATES LINKS

    • Rates & Fees
    • Title deed redemption service
    • Track Loan Application Status
    All Cards

    I WANT

    • Debit Cards
    • Credit Card
    • Prepaid Card

    RELATED LINKS

    • Track Credit Card Application Status

    All Deposits

    I WANT

    • Savings Account
    • Current Accounts
    • Fixed Deposit Accounts
    • Long Term Deposit Account
    • SCB Payroll Solution

    RELATES LINKS

    • Rates & Fees
    • Terms and Conditions
    • Product Sales Sheet
    All Insurance

    I WANT

    • Accident Insurance
    • Savings Insurance
    • Health Insurance
    • Others Insurance

    RELATES LINKS

    • Online Claim Service
    All Investments

    I WANT

    • Mutual Funds
    • Debentures
    • Bonds
    • EASY-D
    • Equity

    RELATES LINKS

    • Investment Glossary
    • Terms and Conditions
    All Payment Services

    SERVICES

    • Payment
    • Direct Debit
    • Top Up

    RELATES LINKS

    • Rates & Fees
    All Digital Banking Services

    SERVICES

    • SCB EASY App
    • SCB Connect
    • SCB PromptPay
    All Other Services

    SERVICES

    • Business Solution
    • Domestic Fund Transfer
    • Other Services International Remittance Service via SWIFT
    • Other Services Foreign Exchange
    • Tele-consultation with specialist Doctors
  • Stories & Tips
  • FAQ
  • ไทย
  • EN
Login
  • SCB Easy App SCB Easy App
  • InnovestX online InnovestX online

Personal Banking ไทย

Personal Banking
    • Cards
    • Loans
    • Cards
    • Deposits
    • Insurance
    • Investments
    • Payment
    • Digital Banking
    • Other Services
  • Stories & Tips
  • FAQ

Corporate Banking ไทย

Corporate Banking
    • Credit Facilities
    • Investment Banking
    • Capital Markets
    • Cash Management
    • Financial Markets
    • Corporate Trust
    • Digital Banking
    • Trade Finance
  • International Network
  • Why SCB

Personal Banking

Corporate Banking

For Shareholders

For Shareholders ไทย

  • For Shareholders
  • Financial Information
  • Stock Information
  • The Interim Dividend Payment
  • Shareholders FAQ

About Us

About Us ไทย

  • About Us
  • Board of Director
  • Senior Executive Officers
  • CSR
  • Awards and Ranking
  • Sustainability
  • News
  • Corporate Governance
  • SCBX Group
  • Sustainability
  • Vulnerability Exposure Policy

SCB Global Network

SCB Global Network ไทย

  • Cambodia
  • China
  • Myanmar
  • Vietnam

Personal Banking ไทย

All Cards

I WANT

  • Debit Cards
  • Credit Card
  • Prepaid Card

RELATED LINKS

  • Track Credit Card Application Status

All Loans

I WANT

  • Home Loans
  • Car Loans
  • Personal Loans
  • Business Loans

RELATES LINKS

  • Rates & Fees
  • Title deed redemption service
  • Track Loan Application Status
All Cards

I WANT

  • Debit Cards
  • Credit Card
  • Prepaid Card

RELATED LINKS

  • Track Credit Card Application Status

All Deposits

I WANT

  • Savings Account
  • Current Accounts
  • Fixed Deposit Accounts
  • Long Term Deposit Account
  • SCB Payroll Solution

RELATES LINKS

  • Rates & Fees
  • Terms and Conditions
  • Product Sales Sheet
All Insurance

I WANT

  • Accident Insurance
  • Savings Insurance
  • Health Insurance
  • Others Insurance

RELATES LINKS

  • Online Claim Service
All Investments

I WANT

  • Mutual Funds
  • Debentures
  • Bonds
  • EASY-D
  • Equity

RELATES LINKS

  • Investment Glossary
  • Terms and Conditions
All Payment Services

SERVICES

  • Payment
  • Direct Debit
  • Top Up

RELATES LINKS

  • Rates & Fees
All Digital Banking Services

SERVICES

  • SCB EASY App
  • SCB Connect
  • SCB PromptPay
All Other Services

SERVICES

  • Business Solution
  • Domestic Fund Transfer
  • Other Services International Remittance Service via SWIFT
  • Other Services Foreign Exchange
  • Tele-consultation with specialist Doctors

Corporate Banking ไทย

All Credit Facilities

Services

  • Overdraft
  • Promissory Note
  • Clean Bill Discount
  • Long Term Loan
  • Letter of Guarantee
  • Standby Letter of Credit
  • Acceptance Aval

Related Links

  • Rates & Fees
  • Foreign Exchange Rate

All Investment Banking

Services

  • Financial Advisory
  • Merger Acquisition

Related Links

  • Rates & Fees
  • Foreign Exchange Rate

All Capital Markets

Services

  • Fixed Income Instrument and Underwriting Service
  • Structured Finance
  • Project Finance

Related Links

  • Rates & Fees
  • Foreign Exchange Rate

All Cash Management

Services

  • Business Collection
  • Business Payment
  • Account Management
  • Business e-Channel

Related Links

  • SCB Business Anywhere
  • SCB Business Net
  • Foreign Exchange Rate

All Financial Markets

Services

  • Foreign Exchange Rate Risk Management
  • Interest Rate Risk Management
  • Investment Solutions

Related Links

  • Rates & Fees
  • Foreign Exchange Rate

All Corporate Trust

Services

  • Custodian
  • Mutual Fund Supervisor
  • Registrar
  • Escrow Agent
  • Security Agent
  • Debenture's Holder Representativ
  • SCB Custodian Net

Related Links

  • SCB Custodian Net
  • Rates & Fees
  • Foreign Exchange Rate

All Digital Banking

Services

  • SCB Business Anywhere
  • SCB Business Net
  • SCB Trade Net
  • SCB Custodian Net
  • SCB FX Online
  • SCB Business Promtpay
  • SCB Digital LG

Related Links

  • Rates & Fees
  • Foreign Exchange Rate

All Trade Finance

Services

  • Import
  • Export
  • Additional Trade Services
  • SCB Trade Club

Related Links

  • SCB Trade Net
  • SCB Business Anywhere
  • SCB Cross Border Payment Tracking
  • Rates & Fees
  • Foreign Exchange Rate

SCB

Keyword Suggestions

  • Loan
  • Credit Card
  • Insurance
  • Investment

Recent searches

  • All()

ผลการค้นหา "{{keyword}}" ไม่ปรากฎแต่อย่างใด

empty

  • empty

Use and Management of Cookies

We use cookies and other similar technologies on our website to enhance your browsing experience. For more information, please visit  our Cookies Notice.

Accept
  • Personal Banking
  • Stories & Tips
  • Protect My Family
  • Marriage and Money: How to Manage Family Responsibilities Equitably
  • Personal Banking
  • ...
  • Marriage and Money: How to Manage Family Responsibilities Equitably

STORIES & TIPS

Marriage and Money: How to Manage Family Responsibilities Equitably

share Share
Marriage and Money: How to Manage Family Responsibilities Equitably

21-08-2018

Successful management of a family's finances is as much art as science. Before you and your partner tie the knot, why not agree on a plan for how you'll share expenses and responsibilities? To help you think about this important task, we've prepared the following brief questionnaire and guidelines.



Question No. 1: Will we register the marriage? Will we declare joint ownership of property? 

Answers:

A. No, we don’t register.

B. Yes, we register and jointly own property.

C.. Yes, we register the marriage but do not share ownership of property.

 


Question No. 2: How different are our total annual incomes? 

Answer:

A. Mine is three times higher than yours or more.

B. Mine is about three times lower than yours.

C..Ours incomes are almost equal, and not more than three times different.

 


Question No. 3: If we buy a new house or condo together, how will we share the cost (deposit, fees, mortgage payments, etc.)?  


Answers: 

A. I will pay for it entirely by myself. 

B. My spouse will pay for it entirely. 

C. We will each pay half. 


Question No. 4: How will we share the cost of raising a child?

Answers:

A. We plan to have a one child or more, and I will bear most of the costs. 

B. We do not plan to have children. If we do, my spouse will bear the costs.

C. We plan to have one child or more, and we will each share 50% of the costs. 

 


Question No. 5: Who is better at housekeeping and childcare, me or my spouse?
คำตอบ

A. My spouse.

B. Me

C. Neither of us is good at these tasks. Or, both of us are good at these tasks.

Now please count up your answers to see which of our guidelines might work best for you and your partner.


First, see which answer is chosen the most: A, B or C.

  • If A, see Guideline No. 4 below.
  • If B, try Guidelines No. 2 and No. 3.
  • If C, see Guideline No. 1.
  • If your answers are mixed, but A and C are prevalent, try Guidelines No. 1 and No. 4.

Guideline No. 1: Half Money – Half Duty means that you and your spouse each contribute equally to family expenses and work. 

This is suitable when:

  • Both spouses have similar incomes
  • Both spouses have similar abilities
  • Both spouses are equally able to devote time to the family



Manage family finances by:

  • Deciding on a monthly budget
  • Putting money into a pool on a 50:50 basis, each contributing the same fixed amount every month. (Or taking turns to contribute the full amount every other month.)
  • Using the pool to cover the cost of food, childcare, family savings, travel and living expenses, but excluding entertainment 
  • Allocating a savings pool for the education of your children. Keep this in a fixed deposit account or long-term deposit program that allows you to deposit money every month at a higher rate of interest than paid on a normal savings account.

Guideline No. 2: Less Money, More Duty means that you contribute less money, but more work.



This is suitable if:

  • You are the spouse whose income is lower
  • You are the spouse who can devote more time to the family
  • You are the spouse who is good at housekeeping



Manage family finances by:

  • Putting less money into the common pool at a ratio of 40:60 (or 20:80 if agreed)
  • Saving more money, since less needs to be used to pay for childcare 


Guideline No. 3: No Money, Only Duties means that you will contribute your work to the family, but won't pay for any expenses. 

ฉันไม่ต้องออกเงิน ฉันลงแรงล้วนๆ เธอลงเงินอย่างเดียว



This is suitable if you are:

  • A spouse who loves housework
  • A spouse who has a lot of time available or who works at home



Manage family finances by:

  • Earning extra income from easy part-time jobs or work at home 
  • Saving your own personal funds in case of divorce 

Guideline No. 4: Pay Everything, Do Nothing means that you will cover all of the family's expenses but spend little time taking care of household work, family tasks and childcare.


This is suitable if you are:

  • The higher-income spouse
  • A busy spouse who is less able to devote time to the family



Manage family finances by:

  • Saving more money, probably by investing in mutual funds so that your money can work for the family. Make monthly investments in a fixed income fund or equity fund.



You can start by asking your partner to read these tips, think about them and discuss them with you. Plan together and you'll both be rewarded. A husband and wife who are partners in thinking can help each other tremendously. With thoughtfulness and flexibility, together you can build an optimal life for your new family.

 

shareShare

Related Stories

  • A happy marriage takes good financial plan
  • Planing your child's future with education
  • On the road: saving for family trip

Other stories you may be interested in

  • BUSINESS MAKER

    Carefree Lifestyle as a Freelancer

  • Life Style

    Life is fabulous when you smartly use the credit card

  • BUSINESS MAKER

    Top trends of Thai startups and fintech in expert’s opinion

SCB EASY App
SCB EASY App
LINE OA SCB Connect
LINE OA SCB Connect
SCB Call Center
SCB Call Center

SCB CALL CENTER

0 2777 7777

OUR PRODUCTS

  • Loans
  • Cards
  • Deposits
  • Insurance
  • Investment
  • Payment
  • Digital Banking
  • Other Services

ABOUT US

  • About SCB
  • Corporate Governance
  • Sustainability
  • CSR
  • News
  • Careers at SCB
  • SCBX Group

USEFUL LINKS

  • Stories & Tips
  • Economic Intelligence Center

SCB CALL CENTER

0 2777 7777

INTERNATIONAL NETWORK

  • Beijing (China)
  • Shanghai (China)
  • Hong Kong (China)
  • Singapore
  • Vietnam
  • Cambodia
  • Myanmar
  • Laos

SCBX GROUP

  • SCB X PCL.
  • SCB Asset Management Co., Ltd.
  • InnovestX Securities Co., Ltd.
  • SCB Protect Co., Ltd.
  • Abacus Digital Co. Ltd.
  • SCB-Julius Baer Securities Co., Ltd.
  • SCB 10X Co., Ltd.
  • MONIX Co., Ltd.
  • CardX Co., Ltd.
  • SCB Data X Co., Ltd.
  • AUTOX Co., Ltd.
  • SCB Tech X Co., Ltd.

SUPPORT

  • Contact Us
  • FAQs
  • Terms of Use
  • Privacy Notice
  • Security Tips
  • Anti-Corruption and Bribery Policy
  • Vulnerability Exposure Policy

© Copyright 2025 The Siam Commercial Bank Public Company Limited. All rights reserved.

SCB

Keyword Suggestions

  • Loan
  • Credit Card
  • Insurance
  • Investment

Recent searches

  • All()

ผลการค้นหา "{{keyword}}" ไม่ปรากฎแต่อย่างใด

empty

  • empty
You are exiting the Bank's website and entering

xxxx


which is the third’s party website or application.

 

We suggest you to review privacy notice and product terms and
conditions on such website or application before executing any transactions.

Cancle Confirm

xxxx