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For the married folks: How do you all manage bank accounts?


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#11 Davidson Deac II

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Posted 10 February 2013 - 09:06 PM

Same as logic 1977.

We have seperate, albeit linked accounts. Either one of us can look at the other's account. She has a few small bills to pay, plus the majority of the household expenses (clothes, food, tp etc...). I pay the big bills (mortgage, car, electicity etc...). We contribute to a joint savings account/emergency fund.

#12 Davidson Deac II

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Posted 10 February 2013 - 09:12 PM

I have separate because my wife still hasn't learned how to balance a check book. I pay for everything but the kids daycare and groceries.



People actually balance checkbooks these days? ;)

I just use bill pay, and all the bills come out of my pay on payday. That includes savings. Everythign left is weekly spending and expense money. Anything left from that before the next payday goes into savings or paying off the little bit of credit card debt we have left. I don't even have a checkbook or write any purchases down.

#13 Panthro

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Posted 10 February 2013 - 09:21 PM

Joint and I have a credit union acct. separate credit cards

#14 Kevin Greene

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Posted 10 February 2013 - 09:31 PM

People actually balance checkbooks these days? ;)



WTH is a check book these days?
Nothing more annoying than being stuck behind some dinasour at the grocery store who pulls out their check book and starts writing a check after the checker is all done and waiting for payment.
Slide the damned card idiot.

And joint, everything is right at your fingertips 24/7 on your computer and on your droid.
Banking by phone ftw..

#15 Mrs Pantherfan

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Posted 11 February 2013 - 09:03 AM

Completely seperate with each of us having visibility into the other's account if we need to, but the need for that rarely arises.

Basically we divide the joint bills up based on our salaries, and after that she can spend her money any way she feels like and i can do the same.

Will never have joint accounts as i won't be put on an allowance of my own money.

Same as logic 1977.

We have seperate, albeit linked accounts. Either one of us can look at the other's account. She has a few small bills to pay, plus the majority of the household expenses (clothes, food, tp etc...). I pay the big bills (mortgage, car, electicity etc...). We contribute to a joint savings account/emergency fund.


Husband...is that you?? :D

We do it just like this...separate accts..He transfers me money to pay the bills out of my account....then I have my money, and he has his

#16 Inimicus

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Posted 11 February 2013 - 09:21 AM

Joint everything. If I couldn't trust my wife to be completely responsible with all of our money then I would find a different spouse.

#17 Jase

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Posted 11 February 2013 - 09:23 AM

It takes every red cent we have every month to make ends meet, so separate bank accounts are a luxury of sorts.

We're joint on my wife's account. I have my own account, but only because it is a hassle to add her to it. She can see it any time she wants, in all of its empty glory.

#18 Zcustom

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Posted 11 February 2013 - 09:27 AM

Joint.

Not hard to keep track of it when there's not much of it. Reminds me of something funny I heard the other day. "There's too much month at the end of my money"

#19 Mrs Pantherfan

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Posted 11 February 2013 - 09:28 AM

Joint everything. If I couldn't trust my wife to be completely responsible with all of our money then I would find a different spouse.


In our situation its got nothing to do with trust why we don't have joint accounts. We were together for 4 years before we got married..what worked for us with bills, worked for us..so we didn't change it. We've now been together for almost 13 years and keeping it separate still works. I do better with money when it's on a debit card..he prefers cash. I know exactly what's being spent b/c I'm the only one swiping on the account. We honestly never really argue or fight..but when we do money is never one of those things.

#20 mr beauxjangles

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Posted 11 February 2013 - 09:40 AM

I'm glad this question was asked. The fiancee and I have been discussing this recently. We have a joint savings account already but are discussing what to do with checking. She wants to combine them and I'd like to keep them separate. I guess my only reason is so that we keep our discretionary spending on one another separate (meaning gifts). For those of you with joint checking accounts, how do you keep birthday gifts, etc a secret? Separate credit cards?


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