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This will be our first christmas sharing an account, but we normally set an amount and stick to it (DH LOVES budgets =/). We both still have our own personal accounts and I usually just take out my monthly spending money and put it in my personal account. Since we have a joint account this year, we will just take out the cash so nothing comes up on our debit cards.
We agreed on what we were going to spend, but we both ordered off ebay and so that went on our separate mastercards (not linked).
We have had a shared bank account practically since we started dating. (two incomes were better than one for us). He usually gets the more surprising gifts and he is generally the only one that checks the bank statements online. I do not like to know that our $1000 went down to $200 due to paying wedding deposits. Mine are usually ones that I need his help picking out. He's not like most guys...he likes golfing and Notre Dame. Besides that he loves computer stuff, but I think he spends too much time on the computer, so I'm not too keen on that idea haha
My fiance and I share an account, then we have separate, personal accounts.
We decide on how much we are going to spend, then we transfer that amount to our personal accounts. This way, he gets a surprise, and I do as well, too!
One year, my fiance decided he wanted to rebuild his computer. That was my gift to him- since I have no clue on how computers work, he wanted me to go to the store with him...I sat in the corner while he picked out what he needed (he looked like an 8-year-old in the toy aisle) then I paid for it all when he was through. He was thrilled to death. We couldn't get home quick enough for him to get everything installed and running!
DH and I haven't figured that out yet, but his parents typically wait until December to buy so it doesn't show on the credit card statement until after Christmas...however, since we check online, that's a no-go.
@MrsChuckles:oh god that sounds like my FI. He's an Network Administrator. He LOVESS computers! He built a computer and was already looking online that day on how to make it better. You just built the damn thing...break it in a little atleast.
Yes, we usually decide on how much we will spend on each other. And then I use a credit card to buy it and he uses cash so we don't see anything going out of accounts etc.
This year though we aren't getting each other any gifts other than our stockings...need to save for the wedding!
Neither of us like using credit cards, so we just take out cash to buy Christmas gifts. Sometimes we give each other a ball park number to spend. This year I think we are going to save our money for a vacation though, and that will be our Christmas present.
This will be our first Christmas with a joint account. I'm a little worried about the process. If we agree to set a budget... it's not fair. He has Christmas, his Birthday, & our Anniversary all within 2 weeks of each other. I'd have to get 3 gifts while he'd have to get 2. He always tries to get us to set the same exact budget!
He's also sooo hard to shop for. He hardly ever wants anything but when he indicates that he wants something... he's already looking to buy it.
Yes we agree on a set amount and take it out in cash so then we cant look at the bank history and know. Mostly for me because I work at our bank lol
We haven't combined yet but this was a concern to me so we decided that our plan would be to have a joint account for bills and also maintain our personal accounts for spending and gifts. We also won't combine all of our credit cards so that's an option as well.
@jude7186: I totally understand your pain. We have Christmas, his bday, & our anniversary all within 3 weeks. We set a budget for Christmas & anniversary only. His birthday doesn't go into the budget b/c we my bday rolls around in June there isn't a budget.
We don't really agree on a certain amount. I am the one in charge of bills, so he hardly looks at what is on the history. For me, he usually pulls out the Money so I can't see where he buys the stuff from.
@Aure: That's what we'll do as well. Joint for saving and paying bills, but separate accounts for our monthly discretionary fun money and to save up for surprises and Christmas gifts, etc. I'd be sad to see a telefloral charge on our account before I got my flowers, lol.
We have 2 joint accounts so I'll usually just tell DH to transfer a certain amount into the other shared account and then use that card. Theres also the option of taking out cash and paying for whatever with that!
We agree on what we are going to spend on each other and then purchase things with the credit cards.
We usually decided if it's a "budget" christmas or not. If not, sky's the limit. And we usually ask each other not to look at the account for X time.
I'm typically the finance person so he'll usually ask me not to look at transactions or statements for a bit until the holiday/event.
We normally set a budget but don't always stick to it. We also share a credit card (for points!) and our regular accounts too so it's hard to shop without him seeing what's going on. For that reason, I've kept the credit card I had when I was on my own active even though I don't use it and at Christmas, I buy my gifts with that because FI can't see it on his online banking and know what stores I'm at.
We always have the cash on hand when we use credit cards but the points are so worth it! I have some really expensive medical treatments that my work benefits cover but I pay for them upfront (using my travel points Visa) and because of that we get about $1000 a year in free travel expenses! YAY! Sorry... side tracked lol.
We always set a certain amount to spend and use cash. We budget everything normally and use a cash system for everything except for bills so it's nothing out of the norm for us :)
We are trying out having a separate 'fun' money account, where we can do anything we wish with that money (including buying each other gifts). For Christmas, we do a joint present for ourselves - so no big surprise there.
I'll just use my credit card then pay it off with our checking account, and he'll cash some checks instead of depositting them and use the cash since he doesn't do direct deposit. Unless we're really tight on money I doubt we'll do a budget, he usually spends a lot on me but it's often things for the kitchen so we both benefit.
We have a joint account and we each have a seperate "monthing fun spending" account. We transfer money to our respective accounts and that way we can't see what the other person is spending their "fun" money on. Would use this same method for gifts!
We have a number of joint accounts but we both still maintain a personal account each for our personal spending (we "pay" ourselves a monthly allowance).
We usually set a rough budget for birthday and Christmas presents for each other which come out of our personal accounts. Presents for everybody else come out of our joint account.
We always set a budget and we both always blow it :) He doesn't look at any of our finances so when he buys me something he just takes cash out of the ATM and I can buy it on my debit card since he never looks.
We just tell each other what we want (or 3 things we want so it's a surprise) but the sad part is he is the only one making money and he basically buys his own gift. LOL. Theres no price cap because of that..
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Ok Bees, so I know it is October but DH and I were discussing Christmas and I was curious as to what you ladies do! We have a joined bank account that both of our checks go into. When it comes times for the Holidays, do you guys give eachother an even amount of money to spend on gifts for eachother (ex: we each get $300 to spend on eachother and thats it) or do you do something else?