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1
Posted on 11/10/13 at 10:44 pm to DaBeerz
quote:
No, she has her own car that she paid for.
She doesn't pay my note or insurance. We don't get caught up in semantics like that.
Do yall have kids yet?? Will yall really SPLIT tuition for your children? Who's account will their clothing, food, toys, whatever come out of? At some point in time, one of yall will need the other's money. It seems like it would get more complicated keeping track of who paid for what. Or who owes who money. Like a college roommate all over again.
Yall sound more like a divorced couple.
Posted on 11/10/13 at 10:54 pm to BelleTigre11
We don't split anything... I pay for Almost everything, as she only works part time. She pays for daycare, I pay for housing, bills. If we go out to eat I usually pay. We both pay for groceries, etc. I share $$ if she needs. Nobody owes anybody ever.
You are making this sound more complicated than it is. Separate accounts work just fine, it all goes towards the family we just kept same accounts we've had our whole life.
You are making this sound more complicated than it is. Separate accounts work just fine, it all goes towards the family we just kept same accounts we've had our whole life.
This post was edited on 11/10/13 at 11:20 pm
Posted on 11/10/13 at 11:22 pm to DaBeerz
quote:
You are making this sound more complicated than it is. Separate accounts work just fine, it all goes towards the family we just kept same accounts we've had our whole life.
This. My wife wanted to keep her bank and I liked my credit union. We have 4 kids and access to each other's accounts. Never been an issue.
Posted on 11/10/13 at 11:26 pm to windshieldman
I think what the OP is worried about is his wife spending all of "her" money on anything she wants (clothes, shoes) and him being stuck with all the bills with no money left for fun.
Or he's concerned that if they have JOINT accounts, the same problem will occur, except it will be "his" money that she's spending.
Have yall talked about it? Just need to COMMUNICATE, like several people have already suggested.
Or he's concerned that if they have JOINT accounts, the same problem will occur, except it will be "his" money that she's spending.
Have yall talked about it? Just need to COMMUNICATE, like several people have already suggested.
Posted on 11/10/13 at 11:47 pm to King of New Orleans
Seperate. He pays all bills and my money is my money 
Posted on 11/11/13 at 12:52 am to King of New Orleans
We've only been married a lil over a year and we still have separate checking but have another joint savings/checking at a credit union. However, he mainly uses that acct to pay his car loan with.
We are still learning about married finances though and figuring out what works best for us.
I don't think there is a "right" answer to this. You just need to always communicate with each other and be willing to figure out what "works" for the both of you. If my husband insisted on joint accounts I'd be willing to try it out.
We are still learning about married finances though and figuring out what works best for us.
I don't think there is a "right" answer to this. You just need to always communicate with each other and be willing to figure out what "works" for the both of you. If my husband insisted on joint accounts I'd be willing to try it out.
Posted on 11/11/13 at 7:04 am to King of New Orleans
Everything is joint in my household. It works for some and doesn't for otners. We've been married for 3 1/2 years and lived together for over a year prior to marriage.
I make twice as much as her, easily. We both have equal fiscal responsibility in the household expenses.
I make twice as much as her, easily. We both have equal fiscal responsibility in the household expenses.
Posted on 11/11/13 at 7:05 am to lsunurse
quote:
I don't think there is a "right" answer to this. You just need to always communicate with each other and be willing to figure out what "works" for the both of you
this is the answer. Communication and shared financial goals are key.
We do joint for everything. We use mint.com and set-up the month's budget together the 1st of every month. We know we want to save X and payoff X extra on debt each month, so our budget categories flex each month depending on needs. (i.e. christmas shoppin next two months, so I'll not golf ($150/mo budget and we will cut eating out in half ($350/mo); and just like that you have $650 to purchase all family x-mas gifts over next 2 months).
We've done this and it's worked, starting when we were making very little money to now both successful. I've found the budgeting process is even more important now that our incomes are higher.
Posted on 11/11/13 at 7:09 am to King of New Orleans
joint account, she pays the bills out of it
it would be nice to have separate accounts since I'm the only one that makes money
it would be nice to have separate accounts since I'm the only one that makes money
Posted on 11/11/13 at 7:58 am to yellowfin
Joint account for everything. We both write checks as needed out of the same account. Reconcile as needed - we dont write but usually 4-5 checks per month.
Only thing seperate is each of us have a side account with a set amount deposited monthly. This is basically our mad money to do with as we please. Mine is usually going to a new gun or some kind of "toy" - I dont have a clue what she uses hers on.
Only thing seperate is each of us have a side account with a set amount deposited monthly. This is basically our mad money to do with as we please. Mine is usually going to a new gun or some kind of "toy" - I dont have a clue what she uses hers on.
Posted on 11/11/13 at 8:49 am to aaronb023
quote:
wife and I have been married for almost 4 years, living together for 7. we still have separate accounts and just split bills. it really hasn't been a big deal.
THIS THIS THIS THIS
We have never fought about money using this method.
Posted on 11/11/13 at 8:55 am to King of New Orleans
We have a joint account and use online billpay for our bills. We also share a high limit credit card (with cash back rewards) and put basically all purchases over $10 on it. Pay off the credit card every month. We also discuss purchases over a couple of hundred dollars (i.e. purses/TV's/electronics/etc., but not groceries)--not asking for permission, but as a courtesy (we never sat down and made this rule, but we both do it)
Posted on 11/11/13 at 9:11 am to King of New Orleans
We have a joint checking account that all of the bills are paid out of and each have a small separate checking account that we use for personal spending. If we do anything together it comes out of the joint account, if we want something for ourselves we just take it out of our separate account. I'm the sole provider for the household.
Posted on 11/11/13 at 9:15 am to Chris4x4gill2
quote:
Only thing seperate is each of us have a side account with a set amount deposited monthly. This is basically our mad money to do with as we please. Mine is usually going to a new gun or some kind of "toy" - I dont have a clue what she uses hers on.
This is what we do. We have a joint account that all paycehcks go into and bills, food and other necessities come out of. We each have a set ammount that gets put into a "personal spending" account we each have separately. I dont ask what she spends and same for her. It is working pretty well so far
Posted on 11/11/13 at 9:19 am to SeaPickle
quote:
This is what we do. We have a joint account that all paycehcks go into and bills, food and other necessities come out of. We each have a set ammount that gets put into a "personal spending" account we each have separately. I dont ask what she spends and same for her. It is working pretty well so far
This is exactly how our accounts are set up. It just makes sense to me.
Posted on 11/11/13 at 9:20 am to King of New Orleans
two joint accounts. my check goes in one, hers in the other. use one for bills, live on the other.
pretty much do this exactly except with two accounts. gotta talk about the big purchases, imo.
quote:
We have a joint account and use online billpay for our bills. We also share a high limit credit card (with cash back rewards) and put basically all purchases over $10 on it. Pay off the credit card every month. We also discuss purchases over a couple of hundred dollars (i.e. purses/TV's/electronics/etc., but not groceries)--not asking for permission, but as a courtesy (we never sat down and made this rule, but we both do it)
pretty much do this exactly except with two accounts. gotta talk about the big purchases, imo.
This post was edited on 11/11/13 at 9:23 am
Posted on 11/11/13 at 9:29 am to King of New Orleans
Getting married in May. Everything will be joint.
This post was edited on 11/11/13 at 9:29 am
Posted on 11/11/13 at 10:00 am to Dupont3
Just got married. Joint account is the route we are going while paying for everything with credit card and paying the card off monthly.
AMEX points = win.
My wife is much more disciplined in saving so its a huge plus for me bc I can no longer spend money on stupid shite.
AMEX points = win.
My wife is much more disciplined in saving so its a huge plus for me bc I can no longer spend money on stupid shite.
Posted on 11/11/13 at 10:15 am to Toula
quote:
Communication and shared financial goals are key.
This right here.
No matter how you do it, joint, seperate or whatever, you must be on the same page.
If you cant trust her to stay within a budget that you have both agreed on that works for your family you are never going to make it anyway.
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