In our home, I'm afraid to say it's the man. He budgets beautifully!
There are arguments for both sides but there is a reason women have the stereotype of shopping. They tend to buy things in volume a lot more than men, though I readily admit guys make impulse buys too. However, aside from compulsive gamblers I would say men manage their money a little bit better on average.
Who manages money better? I think the answer would have to be made on an individual basis. Some men and women have a head for money management, and others are sadly lacking.
I don't think it can be determined based on gender alone. In our home, I do the handling of money. My husband just isn't interested in it and so I take care of that. I also know plenty of household where that is reversed, or where both sit down together to handle it.
I think who better manages money is better determined by personality type rather than gender.
How well anyone manages money isn't a factor of his/her sex. It just isn't.
Having said that, though, I'll offer what I've observed in my own life:
I've known a lot of women who are absolutely amazing with managing money when it comes to what a lot of women have to do, which is run a family on a limited budget. Women are great with doing "the loaves-and-fishes" kind of thing on limited money. A lot of women are also good with things like keeping basic savings and good personal credit. Strong in three basic ways of managing money, women often tend to be very good at "finding a way" to do things on a limited budget, and many think "long-term" enough to do well at getting kids to college, making sure kids have a license (so they won't be dependent on others). I've observed that women tend to "be big" on encouraging individual independence in their children, including the independence of things like education, work skills, etc.
I've also observed that it appears to me there are more men than women who are solidly familiar with managing money that's not "the microscopic thing" of managing a household and family on a day-to-day basis, and that, instead, involves things like investing and longer term/"larger-scale" money management.
It seems to me that men are often more likely to be willing to take risks/gambles in an attempt to get beyond that day-to-day-budget/income functioning. Women take risks too, depending on their situation; but many women are, in fact, the ones who manage that day-to-day, family, stuff that can mean being "up-close-and-personal" to the potential cost of some kinds of risks. That can mean a "forest-for-trees" situation, though; and sometimes men see the forest. Sometimes they can't see the trees.
Often more in tune with the human needs that have nothing to do with food, shelter, good credit and a savings cushion... women, especially, can appear to be more willing to spend on what doesn't appear to be "necessary" to anyone less in tune with those "less concrete" but psychologically/emotionally vital needs of human beings.
Of course, with this overall "observing" that many people have done, when men spend on what doesn't immediately appear "important" or "needed" they can look far more irresponsible than women, perhaps, because of the general expectation and association that men are (or at least are more expected to be) better with "the big, important, kind of money", rather than "the 'small' stuff'" ("small" or not).
by Chupp22 7 years ago
Who do you all think make better managers, women or men?
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