(Closed) becoming one in $$$ ?

posted 6 years ago in Career
  • poll: Do you plan on having joint banking accounts?
    Yes.. savings and checking : (46 votes)
    61 %
    Yes but only for bills and I will have a seperate account for all other expenses : (24 votes)
    32 %
    No.. everything is seperate : (3 votes)
    4 %
    Yes only savings. : (3 votes)
    4 %
  • Post # 3
    Member
    515 posts
    Busy bee
    • Wedding: June 2012

    @LAPhoto:  What we do is I have my own bank account, Fiance has his own bank account , than we have a joint account. We both use our joint account for joint expenses(Mortgage,bills etc..) We have direct deposit into the joint account when we get paid. This is what works for us, but it might not work for another couple.

    Post # 4
    Member
    10367 posts
    Sugar Beekeeper
    • Wedding: September 2010

    If you were to get divorced, all assets gained in the marriage will be 50/50 fair game, so you may as well be able to see where it’s all going. We have everything going into one main checking and savings, and a monthly fun money allowance going into our personal accounts.

    Post # 5
    Member
    2819 posts
    Sugar bee
    • Wedding: February 2013

    We’ll be going completely joint. We MAY each keep a small savings account separate from the other in case one of us passes away suddenly & the main bank accounts go to probate, but we haven’t decided yet.

    Post # 6
    Member
    964 posts
    Busy bee
    • Wedding: June 2012

    Similar to Nicolebug. We will have a joint checking and savings account for bills that need to be paid monthly. We will have some money in own separate accounts (which we already had) for whatever we’d like to do. I think I’d still run big purchases by him and he’ll do the same. I think some amount of freedom to buy  a gift or lunch with friends is important. We will reassess if this doesn’t seem to work.

    Post # 7
    Member
    2216 posts
    Buzzing bee
    • Wedding: August 2012

    @hecallsmelove:  Same here.  Joint accounts for shared expenses (mortgage, date nights, etc) and separate accounts for personal expenses (clothes for me, car parts for him).

    Post # 8
    Member
    645 posts
    Busy bee
    • Wedding: May 2010

    Everything is seperate but we can see each others accounts. The reason for this is because when we tried to combine it was just too confusing. We have two checkings and two savings. It’s what works for us.

    Post # 9
    Member
    1245 posts
    Bumble bee
    • Wedding: June 2011

    We have both joint checking and saving accounts. Neither of us have a separate account that the other is not listed as co-owner on. It works for us, but it is NOT for everyone.

    Post # 10
    Member
    585 posts
    Busy bee
    • Wedding: May 2012

    My fiance and i are already have our money together and have for almost a year now. 

    Post # 11
    Member
    13099 posts
    Honey Beekeeper
    • Wedding: July 2010

    We have a joint checking and a joint savings with no personal side accounts.  Honestly, I personally wouldn’t be willing to have it any other way.

    Post # 12
    Member
    198 posts
    Blushing bee
    • Wedding: August 2008

    We kept our separate bank accounts (at two separate banks) but we put each other on our accounts. We just talk about money and what we are spending it on with each other, just because it’s separate doesn’t mean it’s secret. My husband and I have different spending habits, I’m a saver and he is a spender and it just works better for us to maintain the separate accounts we’ve always had. This is definitely not a typical financial arrangement but we communicate well and it works for us.

    Post # 14
    Member
    1562 posts
    Bumble bee
    • Wedding: November 1999

    @LAPhoto:  If you want to protect your assets, you should consider a prenup.  

    Post # 15
    Member
    17 posts
    Newbee
    • Wedding: August 2008

    My husband is horrible with money, so I joined our checking accounts and pay everything through there.  He only has access to the checking account and not to the savings

    Post # 16
    Member
    802 posts
    Busy bee
    • Wedding: April 2012

    We have checkings & two savings accounts together. I would be pissed if he felt he needed to open another account without me. We’re in it together, expecially financially.

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