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Peleas por dinero en el matrimonio

Peleas entre parejas por dinero

Las tradicionales peleas entre esposos acerca de las finanzas del hogar se deben en parte a que las mujeres y los hombres ni siquiera se ponen de acuerdo sobre cuanto dinero tiene la pareja para gastar, según un nuevo estudio

Mientras los hombres son más optimistas acerca de la cantidad de dinero con la que cuentan, las mujeres están más pendientes de las deudas, señala el informe de la Universidad de Ohio State en Columbus.

El esposo promedio afirma que la pareja tiene cinco por ciento más en ingresos y 10 por ciento más en bienes que su esposa, según la encuesta nacional.

Sobre deudas
Por otra parte, la tí­pica esposa afirma que la familia debe 500 dólares más de lo que estima su marido en cuanto a las deudas familiares.

Una percepción distinta
El estudio no determinó quién en la pareja se acerca más a la verdadera condición financiera del hogar, pero el autor del estudio, Jay Zagorsky, explicó que a la hora de pelear sobre este tema, la percepción de cada persona es determinante.

“Hay una diferencia significativa en lo que afirman las esposas y los esposos acerca de su estatus financiero y estas diferencias pueden influir sobre la relación de la pareja”, explicó Zagorsky.

Los datos del estudio se basan en información recolectada a lo largo de 30 años de investigación por el Buró de Estadí­sticas Laborales del Departamento de Trabajo de EEUU.

Cada miembro de la pareja fue entrevistado por separado acerca de los ingresos de su familia y de su cónyuge.

En la mitad de los casos la discrepancia en la pareja superó los 5.000 dólares al año, y en algunos casos existí­a hasta 15.000 dólares de diferencia entre lo que reportó cada uno acerca de su ingreso conjunto anual.

Los hombres creen que hay más dinero
Generalmente, los hombres informaron que la pareja ganaba de 1.000 a 2.500 dólares más de lo que reportó su esposa.

Desconocimiento sobre el salario de su pareja
En parte, este margen de error se debe a que muchas veces las personas casadas desconocen el salario exacto de su pareja, lo que influye al momento de llegar a cálculos conjuntos erróneos.

Zagorsky indicó que este error de cálculo se da en parte porque mientras que “cada uno exagera su propio ingreso frente a su pareja, también cree que el otro integrante gana menos”.

Cuando se trata de los bienes comunes del hogar, el desacuerdo es aun mayor y casi el 10 por ciento de las parejas mayores y con más años de casados, se notó una diferencia de 110.000 dólares en sus estimados.

Desacuerdo financiero
Entre las parejas más jóvenes, la mitad reportó cifras de su riqueza acumulada con una discrepancia de más de 7.000 dólares.

“Estos desacuerdos también se dan porque los hombres reportan valores más altos a los bienes comunes, mientras que las mujeres le dan más importancia a las deudas familiares”, comentó el investigador.

Otro factor que contribuye a estas discrepancias es el hecho de que en el 60 por ciento de los hogares, la mujer es la encargada de pagar las cuentas.

Según el investigador, estas discrepancias tienen consecuencias para la pareja, porque se pueden generar actitudes diferentes acerca del estatus económico del hogar, lo que puede generar preocupación u optimismo dependiendo del caso.

Finanzas, un conflicto constante
Estas percepciones son importantes además porque según el estudio las finanzas es uno de los principales temas de conflicto entre las parejas.

Zargorsky encontró además que las parejas en el estudio que se divorciaron tuvieron mayores discrepancias acerca de su estado financiero, que otras parejas que acertaron más en cuanto a sus ingresos.

Cómo reducir el conflicto financiero
El investigador aclaró que esto no significa que diferencias en torno a la cantidad real de ingresos que tiene una pareja llevan al divorcio, pero que sí­ puede ser una fuente de tensión matrimonial.

“Ayudar a que las parejas comprendan que la mayorí­a de hombres y mujeres casados no comparten el mismo análisis acerca de la cantidad de dinero que entra al hogar, es un primer paso para reducir los conflictos en torno al dinero”, indicó.

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