Deleted
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Post by Deleted on Jun 10, 2012 21:24:26 GMT -5
We have one joint pot, and fun money separate for each. For extra spending, he asks if it is in the budget.
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kindthatjingles
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Joined: Feb 5, 2011 19:06:06 GMT -5
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Post by kindthatjingles on Jun 19, 2012 13:36:14 GMT -5
Divorced so: 1 Checking that he deposits money into once a month Tip for the Men: Think before your pants are off
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ambellamy
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Joined: Dec 23, 2010 10:05:26 GMT -5
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Post by ambellamy on Jun 20, 2012 6:59:27 GMT -5
We only have one checking account, so everything is ours. No matter who brings the money in, each of us has an equal say. We do a monthly budget and talk about it before hand and agree what we are doing to the month money wise (like if we have overtime is it going in savings, spending, etc). But to keep us sane when my husband is working, we set aside a small amount of "fun money" that we just hand to one another and don't ask any questions.
Its our little freedom and then i'm not asking about small debit card purchases or big ones.
Right now money is tight because only one of us is working so we have Date Night money isn't a blow money so we just talk about purchases before we make them and shop together.
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oreo
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Joined: Jan 4, 2011 19:42:49 GMT -5
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Post by oreo on Jul 17, 2012 18:01:20 GMT -5
We have separate accounts. We each pay certain bills. I pay the house (mine) and he pays utilities and food. If we are doing a home repair, we split it (depends on what the repair is what the split is). When it is something for our son, we split it 50-50. We never fight about money and never have for the 22 years we've been together.
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racermom
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Post by racermom on Jul 18, 2012 13:21:19 GMT -5
We have one account that our checks are direct deposited into and I pretty much control. I withdraw cash for our spending money (because I don't feel like keeping up with 3 checking accounts! DH would NEVER keep up with one!) and all of the bills are paid from the one account.
DH has absolutely no interest in knowing where the money is going as long as the bills are paid and he gets his spending money every week. We pretty much make the same amount but DH is paid every two weeks and I'm paid every week. My checks cover weekly spending, groceries, and small bills. DH's checks cover the big stuff (mortgage, car payment, etc.) It's waaaaay easier to pool it all together. We tried the seperate accounts once, and it was a pain.
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Deleted
Joined: May 1, 2024 19:05:31 GMT -5
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Post by Deleted on Jul 21, 2012 9:44:13 GMT -5
We really don't discuss money that much. I think it helps that DH is not a spender. He rarely buys anything except for daily iced tea or soda at the convenience store on the way home from work. He doesn't care what i buy one way or the other. Our bills our paid so we haven't had those kinds of issues. If i buy something more elaborate, doesn't seem to bother him. But, if one of us was a big spender, i can see where that might cause problems.
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sarcasticgirl
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Location: Chicago
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Post by sarcasticgirl on Jul 25, 2012 9:57:02 GMT -5
we each have our own account and a joint account. A percentage of our pay goes into the joint account for rent/utilities/groceries/car etc. The rest is ours. we have our own bills from before marriage so we pay them with our own money. we have a joint savings as well... and i have my own savings, not sure what he has.
it works well for us. we're both paying down a small amount of debt so adding to savings is on hold. after that, we'll both be tossing what we can into savings to buy a house.
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daisylu
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Post by daisylu on Jul 27, 2012 8:53:24 GMT -5
We have your's, mine, and our accounts. When we married, I was 34 and DH was 30. We both had been in our own homes since 18, and DH had almost lost his once due to co-signing for a live-in GF's car and credit cards. She stopped paying, and he refinanced the house to take money out to pay off the debts (@$20,000). So he was reluctant to co-mingle, and since I had been on my own raising 2 kids for so long it was appealing to me as well. The fact that he used his debit card for EVERYTHING would have driven me INSANE.
We keep all account info in a secure place that either of us could access at any time, but we choose not to. We split up the bills according to % of income. We do talk about our separate accounts - no secrecy there. We both know how much dough the other has, and what debts are owe. We also often view each other's bank statements, but not to the point of knowing where every dollar goes.
The "our" accounts are savings and MM, which are both well-funded. We both have a % of our income direct deposited to these every pay, and made them large enough that they would hurt - which helps keep the frivolous spending to a minimum.
It is important to us keep our costs low though, so that we would be more than OK in case of sudden illness or a job loss.
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