(Closed) Are we the only married couple who DOESN'T have a joint bank account?!

posted 5 years ago in Money
Post # 3
5789 posts
Bee Keeper
  • Wedding: October 2013

@ThinkingOutLoud:  we don’t have a joint account either!

Post # 4
953 posts
Busy bee

We plan to keep our accounts separate after we get married.

Post # 5
2122 posts
Buzzing bee
  • Wedding: June 2014 - DD born 2015 DS born 2017

@ThinkingOutLoud:  I legally married last month (wedding next June). We have decided not to have a joint bank account for a few reasons. We share dinner and bills like before we were married. If I ever stop working full time to be a stay-at-home mum, we may create a new additional account together, or he may give me an allowance until I work again. Not decided, but we hear money is the number one reason for relationship arguments, so we want to avoid quarrells over ‘that mystery $50 withdrawal on the bank account’ when it’s just a pair of jeans.


Post # 6
4947 posts
Honey bee
  • Wedding: June 2014

@ThinkingOutLoud:   Separate accounts except for one “household” account primarily for groceries.  

Not to be a downer, but as you are contributing financially it may be best to pay your part by check, that way you have a paper trail.  

Post # 7
487 posts
Helper bee
  • Wedding: October 2013

We don’t and I don’t think it’s going to happen for a while – we both like our banks and don’t want to change.

Post # 8
12 posts
  • Wedding: August 2014

@ThinkingOutLoud:  I’m not married quite yet, but we don’t have a joint account and we probably won’t either. He has a lot of debt, which I don’t want to put under my name until it’s gone. He spends a lot, whilst I save like you. Just easier this way

Post # 9
2602 posts
Sugar bee
  • Wedding: September 2014

I find it very strange, as does SO, but not in the “oh my goodness, you’re doing it wrong!” type of way.

Post # 10
6830 posts
Busy Beekeeper
  • Wedding: June 2011

We have a joint but we also kept our own accounts also.  

Post # 11
11747 posts
Sugar Beekeeper
  • Wedding: November 1999

@ThinkingOutLoud:  we only have a joint savings that we dumped our wedding money into and now put a % of our paycheck in. It’s for all big joint expenses that aren’t in our normal budget. our system worked for us before so we see no reason to change it right now. we know what each person has in their separate accounts and are totally transparent and believe it’s all our money. It’s just easier to keep the accounts we had before for multiple reasons.

Post # 12
2600 posts
Sugar bee
  • Wedding: October 2010

@ThinkingOutLoud:  We do things pretty much the same way – we each have our own accounts And pay our own bills and I give my husband a check every month for my share of the mortgage/household bills. 

It’s a carry over from when we met and then lived together. We each have our own systems for managing bills and would make each other nuts if we tried to combine a checking account!

Post # 13
509 posts
Busy bee
  • Wedding: August 2014

My parents have never had a joint account, and they’re going strong with almost 35 years of marriage, one of the happiest couples I know. That said we’re not completely following their example. I hate the constant back and forth of figuring out who is responsible for groceries this time or who’s paying for dinner, so once we’re married we’re going to set up a joint account to use for all joint expenses, but keep seperate accounts for our own personal money. 

Post # 14
1245 posts
Bumble bee
  • Wedding: August 2013

We have separate accounts, but one joint credit card for emergencies. This works for us.

Post # 15
84 posts
Worker bee
  • Wedding: October 2014

We haven’t had this talk yet and I honestly wouldn’t mind if our accounts stayed separate. It would be less complicated that way in my opinion. I’m a stay at home mother, I raise purebred dogs and work for a website called zazzle. I pull in a few hundred a month. He works full time and intends to support us while i raise children and contribute what I can. I wouldn’t mind if he just paid the bills from his account and I paid for things that the kids needed, like clothes or school stuff. Gas for running them around. Dog food, groceries, whatever. But if he wants everything to go into one account then thats cool too.

Post # 16
1671 posts
Bumble bee
  • Wedding: October 2014 - Church

@ThinkingOutLoud:  Fiance and I only got engaged a couple months ago, we’ve been living together for 3.5 years, but last year we joined our finances completely. We worked out a budget we both agree on and both get the same monthly allowance as the other. It has honestly increased our communication and has relieved a lot of tension. We have agreed on goals in our lives and so we have a joint savings account. It took a lot of discussion and trust but we feel we are now stronger. We also feel more like a unit than two separate individuals and it has made the way we think different than before. It has also made us be completely open about our debts and where we are at financially. I do reccomend it, but it’s not for everyone and you just need to figure out what works for you.

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