Nice: what you should have saved as a couple

Some couples have separate accounts, others have one together and others have both. In the latter case, both partners have their own and a common account, from which expenses go, such as rent or joint purchases.

If you also have a common account, regardless of the form, you have certainly thought about how much you should have as a couple on the high edge.

When you talk about your own emergency egg, it is usually about a person and their very personal reserves. But how much money should you actually have as a couple on the high edge? Is there also a clear amount where you can orient yourself? We got to the bottom of this question.

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Emergency egg as a couple: he should be that high

If you look at a person as a single who has their own income and expenses, you go all over a flat rate of aboutThree to six monthly salariesfrom that you should have on the high edge. But here, too, the individual life situation depends entirely.

How much money a couple should have saved as an emergency egg is also very individual. Basically, the amount of the emergency hewn clearly depends on your income and your expenses.

If you live in a common household, you both pay your rent together. Since the rent, for most at least, is sometimes the biggest cost factor every month, you should make sure that you will make ends meet for a few months if, for example, one of you loses or quit the job and does not start a new job right away.

Basically, you should write down your income and expenses. This includes both your common and your individual costs. So you have a better overview.

You should take the following criteria into account:

• How much money do we take every month?
• How high are our common editions?
• How much money do I need for myself?
• Which unforeseen expenses can be incurred that affect both of us?
• Have we both saved our own emergency egg?

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Once you have listed your common editions, you can discuss possible scenarios and calculate how much money you need.If each of you has their own account, this offers the advantage that you can also support each other. If you both have enough money on the high edge separately, you don't have to worry too much about your emergency horses.

Are there three to six common monthly salaries 'too much emergency eggs' for a couple?

Since you can also share a lot of expenses in the event of a common household if, for example, a household appliance breaks or a repair for the car is due, you can adapt the height of the emergency sector. Three to six common monthly salaries may appear a little much as a reserve.

However, one should also take into account that you may have a higher rent because the apartment is larger or a partner earns much less. If a*r really surprisingly loses his job, three to six common monthly salaries don't appear that much anymore. So if you want to be on the safe side, you drive well with three mutual monthly salaries.

If you have a common account, it is advisable to park your emergency eggs in a common overnight deposit account. Here you can quickly get the money if you urgently need any. At the same time, you are sure that you do not use your savings amount for the everyday expenses.