谨慎规划结婚经费预算 Wedding Budget

亚当与爱达感情稳定，并且计划结婚。这是人生的一个重大决定，并非单由一个人来谨慎规划，而是两人联手部署。

已经做好准备买钻戒求婚的亚当，趁着促销期间以信用卡刷卡买了一枚4000令吉的钻戒，这是他第一次以信用卡购买如此昂贵的物品，但已经计划好在本月取得花红后，清还款额。

亚当向来谨用信用卡，并且坚持每月一定还清刷卡额。他明白到，信用卡的做用是一个支付工具，但不可当做为一个透支现金工具。

若每月不还清刷卡额，将被征收18%的年利率及罚款。如果偏爱用电子付款的方便，可选用挂账卡，以防自己先用未来钱。

浪费的玫瑰、钻戒及烛光晚餐求婚成功后，亚当与爱达将共同面对现实的财务规划，包括结婚所需的经费预算，以至婚后未来的日常财务规划。

Waste of roses, diamond rings and candle light dinner after a successful courtship, Adam and love to face up to reality of financial planning, including the budget required for marriage, after marriage the next day as well as financial planning.

在策划结婚经费预算时，必须现实地面对自己的财务状况，千万不要让别人及另一半有过高的预期，以致做出超过能力范围所允许的开销。

In planning wedding budget, we must face the reality of their financial situation, do not let other people and the other half have high expectations, so that the scope of the permitted capacity to make more than the cost.

与另一半讨论两人可“舒适地”挪出的款额，千万不要抱着“这是一生人一次，所以凡事都要最好”的心态，因为这可能导致你俩往后收入都必须用来付这笔“结婚债”。

They can discuss with the other half of the "comfort" the amount set aside, DO NOT have the "This is a once in their lifetime, so everything should be the best" mentality, because it may cause you both have to be used for future income to pay this "marriage debt."

亚当与爱达协商后，拟出以下预算：图1.

For a Happy marriage ~ Pls plan ahead~ $$ is a great factor~ ^@^