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Financial advice for a married couple
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joint account nam danna epo. 
ubata ithuru wenne naththe, uba one nathi dewal walata wadiyen wiyadam karanawa athi. income eke hatiyata ubata wiyadam karanna puluwan uparima limit ekak hithen hada ganin. e tika arenna anith tika wenama ube account ekakata dala ithuru karapan. ganitath eyage income eka e widiyatama eyage account dekaka manage karanna kiyanna.
ubata ithuru wenne naththe, uba one nathi dewal walata wadiyen wiyadam karanawa athi. income eke hatiyata ubata wiyadam karanna puluwan uparima limit ekak hithen hada ganin. e tika arenna anith tika wenama ube account ekakata dala ithuru karapan. ganitath eyage income eka e widiyatama eyage account dekaka manage karanna kiyanna.
joint account nam danna epo.
ubata ithuru wenne naththe, uba one nathi dewal walata wadiyen wiyadam karanawa athi. income eke hatiyata ubata wiyadam karanna puluwan uparima limit ekak hithen hada ganin. e tika arenna anith tika wenama ube account ekakata dala ithuru karapan. ganitath eyage income eka e widiyatama eyage account dekaka manage karanna kiyanna.
Joint account එපා කිවුවේ ඇයි?
Mage seen ekath oya wage ,
Mage account Nations trust tibba
Wife ge Boc tiyenne,
Wenama account ekak open kala mage namin commercial eke ,
Padi gathtama dennama 35+/35+ danawa comercial ekata,
Awrudden laksa 6k ituru karagathta kohomahari
Normal savings account ekak tamai open kale
Mage account Nations trust tibba
Wife ge Boc tiyenne,
Wenama account ekak open kala mage namin commercial eke ,
Padi gathtama dennama 35+/35+ danawa comercial ekata,
Awrudden laksa 6k ituru karagathta kohomahari
Normal savings account ekak tamai open kale
Ituru karana salli wena wenama thamange accout vala ituru karapan. Viyadam karana salli joined eke tiyapan.
same here ban. Btw mugei gaanigei total salary ekata wada wadi salary ekak mama gannawath ekka.
mama api karana vidiya kiyannam, umba kemathi deyak karahan
ape account okkoma handel karanne wife (mama kiyanne dennagen kenek ee wedee baaraganna oone). api dennageth income eka oyala wagee langin yana gaanak thamai.
mama office yanakota hari kohe hari yanakota wife magen ahanawa keeyak vithara salli ooneda kiyala. transport , food okkoma daala average gaanak aran yanawa
mulin mulin
okkoma expences eyaa liuwa
transport food fuel utility extra loan kiyala godawal walata wen karala
mama kohe hari gihin aawama mage expences tika okkoma kiyanawa
mage gaawathamai credit card eka thiyenne
but mama credit card eken monaa hari pay karanawa nam wife ta kiyanawa
samahara welaawata wife kiyanawa ada nethuwa labana sathiye gamu kiyala
(credit card bill date)
apith love karana kaale joint account ekak heduwa
wedak nee
joint account ekak hadana eka nemei wedagath kohen hari control wena eka
api den use kranne mage sampath wife PPLS account dekak
anika joint account walata salary daanna kattiya office walin kachal
palaweni step eka vidiyata
account head kenek maasa 2 kata path akranna
expences okkoma liyanna patan ganna
-------------
mama ahala thiyana dee thamai
oya podi podi deewal okkoma theeranaya karanna oone wife
pirimiya hithanna oone loku loku prasna gena
eg
wife-
mee maase padiyen ithuru una 2000/- n dinner out ekakata yanawada nxt month ekata ithuru karanawada
maasa 6k ithuru karapu 15000/- karaambu dekak gannawada, gedarata monaahari gajamatic ekak gannawada
auruddak thisse ekathukarapu ekai bonus ekai ekathu karala ....... da ........
aurudu 5k thisse ekathu karapu 5 lak walin gee ithuruweda tika karanawada lease ekak daala car ekak gannawada
wife theranaya kalaata passe oyaata thiyenne support eka dena eka
honda bass kenek hoyala, honda vaahanayak hoyala ee wagee
Husb- (Loku Prasna)
emarikaawe meelanga janaadipathiwarayaa
republication parvikayek/dimocratic paarvikayek veema matha
sri lannkika aarthiyaka kumana dishawakata doolanaya weida
obata jaya
ape account okkoma handel karanne wife (mama kiyanne dennagen kenek ee wedee baaraganna oone). api dennageth income eka oyala wagee langin yana gaanak thamai.
mama office yanakota hari kohe hari yanakota wife magen ahanawa keeyak vithara salli ooneda kiyala. transport , food okkoma daala average gaanak aran yanawa
mulin mulin
okkoma expences eyaa liuwa
transport food fuel utility extra loan kiyala godawal walata wen karala
mama kohe hari gihin aawama mage expences tika okkoma kiyanawa
mage gaawathamai credit card eka thiyenne
but mama credit card eken monaa hari pay karanawa nam wife ta kiyanawa
samahara welaawata wife kiyanawa ada nethuwa labana sathiye gamu kiyala
(credit card bill date)
apith love karana kaale joint account ekak heduwa
wedak nee
joint account ekak hadana eka nemei wedagath kohen hari control wena eka
api den use kranne mage sampath wife PPLS account dekak
anika joint account walata salary daanna kattiya office walin kachal
palaweni step eka vidiyata
account head kenek maasa 2 kata path akranna
expences okkoma liyanna patan ganna
-------------
mama ahala thiyana dee thamai
oya podi podi deewal okkoma theeranaya karanna oone wife
pirimiya hithanna oone loku loku prasna gena
eg
wife-
mee maase padiyen ithuru una 2000/- n dinner out ekakata yanawada nxt month ekata ithuru karanawada
maasa 6k ithuru karapu 15000/- karaambu dekak gannawada, gedarata monaahari gajamatic ekak gannawada
auruddak thisse ekathukarapu ekai bonus ekai ekathu karala ....... da ........
aurudu 5k thisse ekathu karapu 5 lak walin gee ithuruweda tika karanawada lease ekak daala car ekak gannawada
wife theranaya kalaata passe oyaata thiyenne support eka dena eka
honda bass kenek hoyala, honda vaahanayak hoyala ee wagee
Husb- (Loku Prasna)
emarikaawe meelanga janaadipathiwarayaa
republication parvikayek/dimocratic paarvikayek veema matha
sri lannkika aarthiyaka kumana dishawakata doolanaya weida
obata jaya
The best account to save money is BOC Ran Ulpatha, it has 2% higher interest rate than other savings account and also give the 10% bonus but this account does not give ATM or Debit card, you will have only the passbook. Since your wife has BOC account, you can connect this account to her internet banking accounts, then do followings
1. When you both get the salary, transfer some fixed amount to this account
2. Then install 'Expense tracker' apps in your and wife's phones
3. Enter all the expenses to this app and review monthly, then you can review all your expenses and you can cutoff unnecessary expenses in next month.
4. Do not get money from the BOC Ranulpatha saving account unless it is a critical requirement.
5. When your savings reaches more than 500,000, withdraw 500,000 and open fix deposits (I usually open recurring fix deposits for 6 months)
This way you will be able reduce the unnecessary expenses and build a good fund for your selves. I follow above steps and we were able to build a house and buy two cars for both of us during our 9 years and six month marriage.
When we started this process in 2010, our combined salary was far less than your amount and in 2010 we did not have smart phones to install the apps and Ran ulpatha account so we used a normal saving account and used a notebook to track the expenses.
1. When you both get the salary, transfer some fixed amount to this account
2. Then install 'Expense tracker' apps in your and wife's phones
3. Enter all the expenses to this app and review monthly, then you can review all your expenses and you can cutoff unnecessary expenses in next month.
4. Do not get money from the BOC Ranulpatha saving account unless it is a critical requirement.
5. When your savings reaches more than 500,000, withdraw 500,000 and open fix deposits (I usually open recurring fix deposits for 6 months)
This way you will be able reduce the unnecessary expenses and build a good fund for your selves. I follow above steps and we were able to build a house and buy two cars for both of us during our 9 years and six month marriage.
When we started this process in 2010, our combined salary was far less than your amount and in 2010 we did not have smart phones to install the apps and Ran ulpatha account so we used a normal saving account and used a notebook to track the expenses.
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eewath okkoma wife thamai manage karanne
api inne wenama gedaraka ape ammala ge gewal poddak udaha thiyenne
dawasak wife keewa poddak udahata gihilla amma baduwak dei aran enna kiyala
mama hituwa oya uyapu maaluwak hari mokak hari kiyala
belinnam
ape gedara gate eka daanna salli madi welaa
eeka epe wife ape ammalata kiyala tika dawasakin denna salli illagena
godak aya wife dihaa balanne seken
jeevithee kiyanne eka ekkanaata wenas paper hambawena exam ekak
eka ekkanaagen copy karanna giyoth amaaruwe wetenawa
mage thiyariya
seka karala randu wevi gedaraka inna be
api thiyana viswaasaya rakina eka wife ge wedak
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