Post # 17
I might be late on this, but what has worked well for my husband and I is a seperate household account.
I keep track of the finances because this is how I did my financing before marriage/joint accounts.
I have written down everything that is due every single month and the day it is due. Every month I transfer money to the bill pay account, and pay our bills out of that account. Then we direct deposit money into our savings account every paycheck. So basically our joint checking is for gas, dinner, going out, shopping. This has been so helpful for me since my husband makes so many debit card purchases.
I work at a bank, so maybe this is easier for me to keep track of, but this is the only way ill ever do our finances.
Post # 18
@studentbride: This is how I am hoping to do things as well. I really want to still keep seperate accounts and then have a joint checking/savings for the day to day stuff and big joint purchases.
Its just hard to figure out and keep track of so many accounts. I have my salary direct deposited to my checking. From there I put some into my checking and some into the joint checking. From there more bills are paid out of both of those accounts.
Post # 19
I use mint for my own budgeting, but it’s going to be tough to bring my husband into that. I tried to bring up making a budget this weekend but he wanted to focus on schoolwork and purging the house. Maybe next weekend.
I also want to start saving like gangbusters but husband isn’t ready for that yet either. He wants to splurge a little on a new laptop and I want a netbook, but maybe he’ll let us start the savings after that. We’re hoping to live off one salary and save his. And maybe he’ll finish negotiating said salary this week. Let’s hope.