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It might not be easy to manage a financial planning whose household income isn't good or solid. It breaks your your head about the expenses considerably for food, bills, medicine and more and here comes you're total household income after net insufficient for a one month budget. Usually, it's the wife that does the financial planning. The husband turnovers the money from his salary to his wifey. Most wives are wonderful, they can stretch well the money, that at the end of the month there's a remaining amount for savings. There might be instances that it's the husband to do the financial planning or both of them so they will know where the money goes. If you're a wife, are you the one managing the financial planning?