Financial difficulties - the cause of divorce number one. Family finance, in contrast to personal, more complex. We must be able to agree, form common goals.

This was told by the financial director of several IT companies Lubomir Ostapiv. He wrote the book "Love and Budget", which teaches families to save and plan a budget.

"There are goals that coincide in men and women: old age, education of children. There are unique - someone wants a yacht, a round-the-world trip, to open a business. Universal advice - learn first to save 10 percent of your income. Then you can plan how to buy a house or car. Goals can be short-term - up to a year. Medium-term - a year-five, and long-term - from five years, "- says Lyubomir Ostapov.

According to the expert, the greatest evil for the family budget is a lie.

"When one spouse spends a certain amount and it hides. Can, for example, lose in gambling. It happens on the contrary - people are too addicted to the process of planning, budget allocation. They forget why they do it. If you drive yourself into a wild economy, even a family can collapse. Another mistake when people record income and expenses.

But they do not analyze. It takes a month or two, the results are not received and abandoned, "he added..

Big earnings do not mean you can save.

"There is such a problem -" rat race ". The earnings increase - and the needs, expenses. A man already wants not one-room, but two-room apartment. Instead of "Lanos" - "Nisan". Therefore at a certain stage it is more important to control expenses, and not to strive to earn more, "- said Lubomir Ostapiv.