How do you manage finances with your spouse?

You guys have spouses?

We keep two bank accounts (they are joint accounts in name only), split bills but not 50/50 and large purchases are evaluated and we easily reach agreement.

All money in one account. I pay all the bills from the checking account. We try to do all our spending on cash back CC's. I pay all the CC's off a week or so before they are due.

If I left it up to her nothing would get paid on time...

Same checking account/savings account/investments, etc.

quote:

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How do you decide on big purchases like houses / vehicles and how do decide on investments?

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We talk it over like normal adults.

All accounts together. My husband pays the bills and decides on the budget. It's not something we ever argued about, it's just better that way. I am also the main earner but I still don't want to be in charge of it.

I describe this as "he is the accounting department, I'm in reasearch and purchasing."

Same

How do you manage finances with your spouse?

Joint checking & savings. I have my 401K. Both paychecks are direct deposited into our checking. We pay bills on the 1st & 15th. After bills are paid we see what else we have coming up before the next pay period. Based on that we leave enough in checking to run on and the rest goes into savings. We’ve been married going on 26 years and have done it this way almost since the start. Works great and has allowed us to both enjoy life while also building up a substantial savings in addition to my 401K.

Shared Checking account that the bills are paid out of.

Home/Car/Vacation Savings account

Emergency fund savings account.

Then we each have our own fun money account.

Generally I would say Mrs. STLDawg handles financial tactics, and I handle the strategy.