Do you think that housewives still need to secure their own future?

I think your husband won't take it negatively as long as you explain it well to him. Anyway, it is not necessarily having money in the bank. You can make investment or start your own business at home. You can have your own online shop like mine. I am a working mom but I always wanted to stay at home. Right now, I am still exploring things to on how to earn from home. So one is my having your own business and I do crafts for sale. Also, I am into blogging and other online works to earn passive income.

I think practicality is a good reason for your logic. You are married and capable. A housewife works hard to homemake. This is very much respected. If you are an educated wife, you have something to fall back on with your additional skills, if you seek employment. If you want to be more educated, hopefully your husband can help you with that. If something happens to your spouse unexpectedly, and you are not sure what to do, some possible job options are housekeeping, hospitality, waitress and more. Good luck in love and life.

I think it's important to have your own savings, if only because quite often one partner lives longer than the other, and what if you outlive your money? That would be bad. I have some savings separate from my husband. it's still considered joint money, but some of our retirement savings are in my name and some are in his. If something happens to him, I do get something from his pension and his life insurance. In the event our marriage ended, because of the way that laws are written in our country, we each basically get half of everything. The hard part is that he makes more than I do and it's his job that provides medical benefits. But the plan automatically covers our kids, so it's just me that I'd need to worry about. I think it's practical to discuss this. We've discussed it, even though we don't think we're going to get divorced, but it something both partners need to know.

I don't think a women has to if she is a housewife/stay at home mom. But I do feel that she should feel that if something does happen to her husband that she can go out and work. I don't think for the rest of my life I'm going to be a stay at home mom. Yes my family can always use a little bit more money to pay or have things but I know it's not need to go back to work or to work. If my husband wants me to go back to work I've always told him to just tell me but we both still think and feel that one of us should be open to our children at all times and where we live we really can't afford the both of us working. Child care is to expensive and especially with even asking for someone to wake our children even for 4 hours while I work part time. When both are in school full time I'll go back to work part time.

It's better to be ready for everything that might happen in the future. We both have our own job and we had this decision from the start. We know how hard it is to have a family. Personally, if I could only choose, I want to stay at home and take care of my children, but we can not survive if I have to do that. The prices of commodities are getting higher and higher everyday and I know my husband's salary won't be enough to sustain our daily expenses. We are helping each other in order to give the best for our family.

Hi friend, you are right, we must plan about our future and save some money for it, there is nothing wrong in your decision, hope your hubby will accept it, if you save some money in the present, surely it will help you a lot in the future and give more security to you

Thinking about my own future is the reason that I left my part time job that allowed me a lot of free time and got a full time job. From the very first, I began putting away a percentage of my pay. At the time, my employer matched what I saved, up to a set percent. When I retired, I had a nice little nest egg. It turned out that my husband liked the idea of me bringing in more money. We are still together and have not had to touch "my" money. Good luck with talking to your husband about you having your own money.

It makes sense for a woman to look out for her own future. You should have a good life insurance policy for your husband, just in case something should happen to him and you be left widowed. Having a savings account in your own name is a good measure, too, but that is only a protection to the degree that there is money stashed away in it. You may also want to create a modest stock portfolio for yourself to go along with it. Your husband should understand your concerns, especially in light of your mother's situation. Stuff happens, and the wise woman takes measures to help safeguard her future.

I guess is a good and practical thing to prepare for our future...even if the marriage is a happy one...we never know what will happen tomorrow! here where I live our employers pay an x amount towards our super fund..it's actually an obligation to do so by the government...so when we retire we have money of our own. But then if you don't work you totally depend on your husband's income! I think is good of you to think about your future and save[ just in case] and if your marriage is a long and happy one then you can both take that vacation together...I hope that will be the case.

You're right. We have to secure our future. It's really a must. We don't know what will happen in the future so we have to be ready. Money is reallly difficult to earn and we can't get jobs easily. Goodluck. I hope he will understand you. Happy myLotting.

Jurea, i think it is no harm for a housewife to think on how to secure their own future. Same like you, at this moment only my hubby is working full-time. I am depending on his money for all our daily needs. It had been many years i had stopped from my full-time job due to health problem. But, i plan to go for some part-time job, if my health is improve so able to save more for future needs. Because like what you had mentioned earlier, we should have a stable income for a secure future.

No one knows what holds the future. I personally think you should have your own savings too. There is no harm of having more money as you says, both of you can use it as an ultimate holiday fund. So, start having your own saving account for practicality, flexibility and security.

I agree with what you are saying. I think that it is easier when a husband can support the family needs. But like you mentioned a wife should think about her future. Unless she just really wants to be a stay at home mom who takes care of the family. I thought have been thinking about this thing more so. My husband works full time but it is still hard for us financially. We also are having our share of marriage problems so I think it would be a good idea for me to have financial security on my own. Yeah I view it the same way. When I get a good savings going if we stay together then we can use it for a vacation. If we don't then I have the money to help support myself.

I agree with you. I am married for almost 7 years now but my husband and I had a a separate personal savings, life insurance and health care insurance because we really do not know what might happen in the future. Securing our future is a very practical idea especially for those wife depending to his husband income. Now I am depending only from my husband income but he assured me that he going to pay all my bills in insurance company and give some extra money for my own savings.

I think you should be saving from now (hopefully you have started earlier).

A meaningful topic. These days, such a situation is need to debated and we have a better understanding on these issus. Basically, in general, with a good/nice family atmosphere, a wife need not worry much of it. However, we all have one-off incidents which may turn around and anything unexpected can be happen. Normally, when it comes to law, the chances of heriditary transfer of property will come to the wife, if there is a will and it automatically hand over to the legal heires. And where, there is no mutual understanding, no wills, and/or if there is a dispute, and morethan one people are in demand fro the property or wealth, the wife and children may be in trouble. However, as per your discussion, it is always advisable to have an emergency precaution for everyone. Wives are secured and they are always considered with priority. But all people are not alike and anything can happen at any time with various reasons. In contrast to such situtions, wives can keep a reserve of atleast 20-25% in whaterever they have and such reserve in wealth, money, or any kind of asset will be helpful at any such situation arises. But, if it is applicable to my case, at present my wif's position is totally '0', as she don't have any such thing indipendently or individually with her, if anything happens to me, or if I do anything to her. But, when it come to the asset that I owned, I have made the wills in such a way that a 100% right on her as my children are still young. Any way, it is good and worth for all wifes have their onw possesion of few things which can be used on emergencies and other situations. Again, if the husband also comes across an emergency, the wife's share also would be a 'jewel' for his need, as it will strengthen the relationship within the home.

You are absolutely right future thinking is necessary and for this saving is necessary because no one knows what will happen in future. Now I have money but in future if I unable to earn the money then problem may arise. Not only housewives but working also need saving for future. May be future bright than present or may be worse.

We're in the same situation and like you, I have also considered what I should do to empower myself and have something to go by with should the inevitable happened between me and my husband. He's okay with the fact that out of the household allowance he gives me, I put some of it into my own savings account, the one that's just under my name and only I have access to it. It may not be permanent solution should we separate, I still have to have something with permanency other than a considerable bank account, but at least it would be enough for me to have something to live by while I sort out what I should do next.

I`ve always worked.After I finished school I started looking for a job. First I worked as an accountant, then as a teacher of economics I am a technical secretary in a company producing mashines for recycling of household waste. I am currently at home because his douhter grow up to 2 years.I think it should work. In Bulgaria the low-income a I works if only one will be able to cover yuor expenses for the month, not to mention you will not get food and clothing. This is the standart of living. Worse is that unemployment is high.