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LNCHBOX 
LSU Fan
Baton Rouge, LA
Member since Jun 2009
6731 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:18 am to CurDog)
Then why not just have all the money come out of one pot? I guess the engineer in me prefers to keep it simple.
I'm the main contributor to our account (fiancee graduates in May), but I don't make her ask me if she can buy stuff unless it's a big ticket item. I just don't see the point if separate accounts if you have good communication.
This post was edited on 1/18 at 11:21 am
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buddhavista
Member since Jul 2012
3543 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:18 am to eyepooted)
quote:
I am 6 years older that her and she is still in college. I know. She has no credit so this makes no sense what so ever.
make sure you find out her CC debt. My friend got married and after they got married the wife came clean she had 25k in CC debt that she had been paying minimal payment on. Needless to say he was pissed.
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wildswamptiger
LSU Fan
Member since Jun 2012
90 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:20 am to eyepooted)
quote:
10k from shopping
I have a hard time believing my SO can hide this many purchases from me if we are dating without me realizing, unless she spent that amount of money before they were together.
they lived in different cities while she was in school, he had no idea she was blowing all this money, to make it worse she used a store credit card, one of the ones with like 10% interest and she was only paying the principle each month so she was getting nowhere on payments
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WikiTiger
LSU Fan
Member since Sep 2007
38250 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:20 am to yellowfin)
quote:
it's funny cause her trust is probably more than you'll make over your lifetime
touche
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Will Cover 
Nebraska Fan
Colorado
Member since Mar 2007
22452 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:20 am to yellowfin)
quote:
it's funny cause her trust is probably more than you'll make over your lifetime
Not anymore.
Sorry.
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jojothetireguy 
New Orleans Saints Fan
Live out in Coconut Grove
Member since Jan 2009
8455 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:21 am to LNCHBOX)
quote:
joint account for joint expenses individual accounts for your own money. paychecks go into individual accounts. each person contributes equally to the joint account every pay day works perfectly
What is the point if all this? Do you just not trust your SO enough to have ind account?
we do the same thing. The point is she doesn't want to have to ask if she can go spend 100.00 on clothes. If she wants to spend it out of her account and she has the extra money then she can. She can buy 20 pairs of shoes with her money without me bitching that she spent our money on 20 pairs of shoes. Of course this is exaggerated but thats the basic idea. I don't worry about what she does with her money as she doesn't care what i do with mine as long as all the bills are paid on time.
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TheEnglishman
LSU Fan
On the road to Wellville
Member since Mar 2010
1128 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:22 am to eyepooted)
Joint checking is mandatory. I look at marriage as a team, if you either of you dont know what the other has or is spending it will cause complications.
Have the talk now, but leave emotion out of it.
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McLemore
Member since Dec 2003
9632 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:23 am to sec13rowBBseat28)
quote:
Don't get married if you think you need to have a "money talk"
ridiculous advice
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CurDog
LSU Fan
Member since Jan 2007
17548 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:23 am to LNCHBOX)
quote:
Then why not just have all the money come out of one pot?
it probably stems from years ago, when first got married. we had one debt card and a check book. if i had the debit card she had the checkbook. it became a pain in the arse to swap back and forth, sometimes one of us would forget to add it to the ledger.
quote:
I'm the main contributor to our account
my wife makes as much or more than me(depends on her commissions)
it has worked for us and we have never really though of going back.
we do have another joint account that we use to pay for the three kids school, so technically we have both
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TheEnglishman
LSU Fan
On the road to Wellville
Member since Mar 2010
1128 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:24 am to LNCHBOX)
quote:
I just don't see the point if separate accounts if you have good communication
Exactly
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WikiTiger
LSU Fan
Member since Sep 2007
38250 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:24 am to jojothetireguy)
quote:
I don't worry about what she does with her money as she doesn't care what i do with mine as long as all the bills are paid on time.
Exactly! And that leads to relationship bliss!
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yellowfin 
Illinois Fan
Paige is Pretty
Member since May 2006
51802 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:25 am to TexasTiger05)
quote:
I'm obsessed with checking our joint account.
My wife literally looks at it 20 times a day
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WikiTiger
LSU Fan
Member since Sep 2007
38250 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:26 am to yellowfin)
quote:
quote:
I'm obsessed with checking our joint account.
My wife literally looks at it 20 times a day
bitches and money 
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LNCHBOX
LSU Fan
Baton Rouge, LA
Member since Jun 2009
6731 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:27 am to jojothetireguy)
quote:
we do the same thing. The point is she doesn't want to have to ask if she can go spend 100.00 on clothes. If she wants to spend it out of her account and she has the extra money then she can. She can buy 20 pairs of shoes with her money without me bitching that she spent our money on 20 pairs of shoes. Of course this is exaggerated but thats the basic idea. I don't worry about what she does with her money as she doesn't care what i do with mine as long as all the bills are paid on time.
So do you just not trust your wife to do that? My fiancee and I communicate about things we want to buy, so we haven't had anything to get mad about.
I just don't get the point of keeping it separate. Seems like a waste of time.
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WikiTiger
LSU Fan
Member since Sep 2007
38250 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:29 am to LNCHBOX)
quote:
So do you just not trust your wife to do that? My fiancee and I communicate about things we want to buy, so we haven't had anything to get mad about.
I just don't get the point of keeping it separate. Seems like a waste of time.
We find it liberating.
It's nice to be free to do what you want with your own money. What kind of adult wants to have to ask for permission to spend what they earned? frick that shite.
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lsu1982
LSU Fan
LSU
Member since Jan 2006
2578 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:29 am to eyepooted)
I found it best to keep separate. That way she won't know how much I am spending on hookers and blow!
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LNCHBOX
LSU Fan
Baton Rouge, LA
Member since Jun 2009
6731 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:30 am to CurDog)
quote:
it probably stems from years ago, when first got married. we had one debt card and a check book. if i had the debit card she had the checkbook. it became a pain in the arse to swap back and forth, sometimes one of us would forget to add it to the ledger.
Obviously in this day and age, this is no longer an issue, but I can understand that being an issue back in the day.
quote:
we do have another joint account that we use to pay for the three kids school, so technically we have both
This just seems like a waste of effort to me, but I'm certainly not trying to change your mind now lol.
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yellowfin
Illinois Fan
Paige is Pretty
Member since May 2006
51802 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:30 am to lsu1982)
quote:
That way she won't know how much I am spending on hookers and blow!
I pay for that out of my company account so I can expense it
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HoustonChick86 
Arizona Fan
Catalina Wine Mixer
Member since Dec 2009
37596 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:31 am to WikiTiger)
quote:
It's nice to be free to do what you want with your own money. What kind of adult wants to have to ask for permission to spend what they earned? frick that shite.
I agree with you. But if you don't marry someone who is ridiculous with their purchases, I don't think it'd be a big deal.
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LSUzealot
New Orleans Saints Fan
Baton Rouge
Member since Sep 2003
45637 posts
| re: Having the "Money Talk" with the SO before marriage (Posted on 1/18/13 at 11:32 am to WikiTiger)
In situations where one SO makes more bread than another, I think each should put the exact same percentage of their income in the joint account.
Ie - man makes 100k he puts 30k joint
Woman makes 50k she puts 15k in joint
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