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如何应对家庭生活中的经济暴力?

如何应对家庭生活中的经济暴力?

Jean Chatzky 2013-12-20
经济暴力在两性关系中的普遍程度远远超出我们的想象。它主要表现为夫妻中的一方在家庭开支决策方面占据主导地位,导致另一方处处受限,情绪低落。那么,我们如何发现、如何避免这个问题呢?

    • 限制我每个月的开销。如果家里所有的账单或孩子的开销全部都由一方来承担,而夫妻两人能够自由支配的资金已经所剩无几,这时候这种问题往往会凸显出来。哈彻表示,夫妻双方对于收入如何分配应该达成某种共识——比如交通、住宿、食物等各方面的费用。这样做的目的是在每个月能够剩下足够的钱用于储蓄,同时让所有人都有一定的“私房钱”可以自由支配。如果自己不知道如何合理安排开销,可以要求理财顾问帮忙制定一份可行的家庭财务预算。

    • 让我提供每一次购物的收据。艾伦表示,这种做法不仅涉及权力和控制,也是“缺乏信任”的表现。它会在夫妻之间形成一种类似家长与孩子的关系,而对于两个成年人而言,这是一种不健康的关系。她表示,在大多数情况下,这种行为往往意味着夫妻之间存在更大的问题急需解决。“要想找出问题的根源,必须寻求夫妻疗法的帮助。”

    • 不准我拥有信用卡。如果过去确实出现过信用管理不当的问题,当然应该予以解决。但这并不妨碍夫妻一方在家庭经济问题上的发言权。更令人担忧的是:其他研究显示,夫妻之间因为经济问题争吵的频率越高,离婚的可能性就越大。如果没有信用记录,想在离婚之后建立信用就会是个很大的难题。总之,向对方保密自己的财务状况并不是最好的办法。但没有人能够阻止你去申请一张自己的信用卡。

    结论:如果你感觉自己正在受到欺负,比如像艾伦所说,出现不足感、自我贬低、糟糕的自我形象或困窘等典型表现,那你应该寻求独立第三方的帮助,比如治疗师或理财顾问。艾伦建议,即使你的伴侣不愿意陪你一同前往,你也要立刻去主动寻求帮助。(财富中文网)

    译者:刘进龙/汪皓   

    • Limits my monthly spending. This often manifests itself when one party is expected to pay all the bills for the household – or the children – and is left with no discretionary money of their own. A couple should have some consensus about how the money coming in is being spent – how much on transportation, housing, food, etc. The purpose of doing that is to have enough left over each month to save, and for each person to have some "play money" to spend, says Hatcher. If you can't figure out how to cover all of these bases on your own, a financial advisor can help you figure out a workable budget.

    • Makes me show receipts for all purchases. This is about "lack of trust" as well as power and control, says Allen. It also sets up a parent/child dynamic between the couple that is unhealthy between two adults. In most cases, she says, this behavior is a symptom of larger problems that need to be addressed. "Couples therapy is definitely needed to get to the root of the problem."

    • Keeps me from having credit cards. If mismanagement of credit has been a problem in the past, it needs to be addressed and dealt with. But it should not keep one spouse from having a say in the family's overall financial life. More worrisome: Other research has shown the more frequently a couple argues about money, the more likely they are to divorce. Trying to establish credit post-divorce without a credit history is a bear. The bottom line: Keeping financial secrets from a spouse isn't the best idea either. But no one can keep you from applying for a credit card on your own.

    Bottom line: If you feel you're being bullied, you likely are – feelings of inadequacy, low self worth, poor self image or embarrassment are hallmarks, says Allen -- and you should seek help from an independent third party like a therapist or financial advisor. Go, says Allen, even if your partner refuses to go with you.

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