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For those of you who are married, do you have seperate accounts?
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November 20, 2008, 01:24:54 AM
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Author Topic: For those of you who are married, do you have seperate accounts?  (Read 1110 times)
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allinyc
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« on: January 11, 2008, 02:55:08 AM »
We have a joint checking and savings, but we each both still have our own personal checkings and savings.

Some people think that's weird.  It works for us though.  And I still like being somewhat independent with my money.  My check is directly deposited into my checking, I pay off all my bills, put a certain amount into my savings and then every month, put a certain amount into our joint account to cover our rent and joint bills.

I am *thinking* about possibly closing my checking when I start this new job, but I dunno.......I still like having my independence.  Discuss!!
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Brooke
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« Reply #1 on: January 11, 2008, 05:25:26 AM »
Prince( this is what I have always called my husband) and I presently have personal checking accounts, joint savings, I have a personal GIC .. I pay the bills.. his and mine and joint...he is not so great with money bouncing lol I have tried to teach him.. but  hammer it is easier said than done.. I have been thinking lately of closing our personal checking accounts... because we end up paying twice the fees... and if I am doing it all anyway.. it would make sense to make it as easy as possible for us.

I to like my independance... but I like saving money more.. and 4 dollars a month in fees,( this is if we do next to no transactions.. we are almost always over this blah blah blah ) is still 4 dollars... $48 a year..

 diva
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HeatherH
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« Reply #2 on: January 11, 2008, 07:46:53 AM »
DH and I have seperate finances.  He wanted to combine, but I didn't want to,  and I think he's now glad we didn't.  We have such different money issues and I know we'd drive each other nuts.  We split the household bills and rent.  Usually he pays the rent up front and I pay all of the other bills, and then I pay him the difference when we do a reconciliation.
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Jen
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« Reply #3 on: January 11, 2008, 08:40:55 AM »
DH and I have never had a joint checking or savings account.  We do have joint credit card accounts.  Basically, he pays mortgage and business bills and I pay everything else.  He writes every other paycheck over to me, to help with bills and savings.  It works for us, though we didn't intend to do it this way.  We both had accounts with a credit union that we loved (no fees, good rates) but they wouldn't let us do a joint account without first closing one of our individual accounts.  So, we just kept what we had.  I update DH periodically on how our savings are doing, and we can both log in to the credit card account online any time. 
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allinyc
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« Reply #4 on: January 11, 2008, 05:38:13 PM »
Cool, so it does look like everyone is in a similar boat as me.  I guess I am kinda of the belief, that if "it works, you don't need to fix it".

I also wonder if some of us are just getting married and settling down later, so we are just so used to being financially independent?

Plus many of us also have probably always worked.  I think times have changed from maybe say, our parents and the way they did things.

I also suspect that some people feel that if you get married, you have to mesh everything together.
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Jen
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« Reply #5 on: January 11, 2008, 09:23:09 PM »
I know some couples need to mingle funds so that they aren't able or liable to keep secrets when it comes to money.  And for some it's a trust issue, that is, joint accounts = trust.  Like you said, if it works, don't fix it!
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allinyc
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« Reply #6 on: January 12, 2008, 04:28:00 AM »
Good point.  I think for us too, my husband since he owns his own company, it's hard to know when the $$$ will always come in, he gets different amounts each month, etc. So if he just had the same check coming in every 2 weeks it would probably be easier to do the joint account thing. A lot of his $$$ goes right back into the business.

Fortunately, I've never had a "trust issue" with him about $$$. He doesn't really use credit cards and always gives me more then our needs/bills each month in our joint account.
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